HDFC Pre-Approved Credit Card Offers

[crazyuploader]

Hi,

I opened Savings Max online account in HDFC Bank in January this year, with the thought of holding a Credit Card from HDFC Bank for offers, etc. After ~3 months of usage, and maintaining 26-28k balance, Pre-Approved offers started popping up in NetBanking as well as through emails. Firstly it was 2 wheelers loan, then 4 wheelers, so on. Finally started getting HDFC MoneyBack+ Credit Card offer as well, it had yearly charges, later I started getting conditional LTF. Now, I keep emails from them daily regarding a LTF Credit Card which is MoneyBack+, thought I'd get Millenia, if it was given as LTF, BTW I do have SBI Cashback Credit Card. Anyways, attaching some screenshots below. My question is that —

1. Should I avail the MoneyBack+ Card only? They say limit up-to 40,000 INR most of the time.
2. Or should I wait in hope for Millenia as LTF? If they provide it as Pre-Approved that is.
3. I also have SBI SimplySAVE Credit Card with 1L limit, which was recently increased so don't have more than one statement reflecting the same, should I try C2C for HDFC Millenia Credit Card as LTF?
4. And finally, since my account is Savings Max, I am supposed to maintain 25,000 INR MAB, but for some reason the same isn't reflected in the NetBanking, and so can I use the fund at times?

Thanks in advance.

 

[John123]

Good boy ... Patience ..

Not patience. Anyhow its not useful as I have better cards in Cashback category. But just to have a card from HDFC 😁🙃

 

[Riya Sharma]

You should first change the profile on HDFC Account. Show yourself as Salaried instead of Self employed to get good cards. You can change it easily via NetBanking.

After changing, wait for 2-3 months to see the Change in offers. If its still the same, then send a mail to their priority support that you are a salaried individual (as per your profile) and hence need regular card instead of business card.

Huh then why doesn't everybody just select the maximum annual salary option? I went to check but mine was already at the maximum (>1cr)

 

[Chaitanya-a]

Huh then why doesn't everybody just select the maximum annual salary option? I went to check but mine was already at the maximum (>1cr)

Its just for the profile to check whether you're salaried or self employed. Limit and card variant depends upon the no. of funds you're keeping initially and no. of txns to some extent.

 

[Chaitanya-a]

I am thinking of applying, the limit in emails and notification panels have said "up-to 1,03,000 INR", not sure how much limit I can expect but let's see, what do you think? @Chaitanya-a

I've held SavingsMax account variant with them mostly balance up-to 30K, but hopefully I should be able to get it I guess

You'll get the same mentioned limit as floor limit of Millenia is itself 1L.

 

[pkpr]

I am a HDFC regular savings account customer for a year now(age 20). I started to recieve pre-approved credit card (business moneyback all three variants no other cards) offers from june or july this year, hence i applied for the card in October and it got rejected (idk why pre-approved got rejected, i had 765 cibil too, Single name could be the issue idk) and every time u put details they make cibil enquiries (i got 6 enquiries 🙂) my cibil dropped 10 points then again 13 points. After rejection the pre-approved offers stopped for a month and again same pre-approved offers started to appear(obv not gonna apply now). I recently changed occupation from Self-employed to salaried, i just wanted to know that how much time does it take to appear for the millenia or other good Credit card?

 

[pkpr]

I'm getting 1,27,000 limit with business moneyback card

 

[oneadi]

Hehe boiView attachment 37076

Apko ye offer profile change karne k kitne bad mila

 

[cardy]

Once you take money back 40k
It's finished. It will take ages to reach 2L and another stone age to upgrade.

 

[crazyuploader]

I did a mistake by applying immediately after seeing millenia in pre-approved section as I was rejected 3 times before that. Now I regret if I waited few more days i could have got LTF millennia. Any suggestions now what can be done to make it LTF?

I don't think anything can be done now

 

[crazyuploader]

you just maintained 30k and was offered LTF? Here I was maintaining more than 3L and trash MB was showing on NB. 😅

Yes, mostly it was just above 25K for MAB, just that I've used the DC to pay CC bills, and at times my balance reached 90K but only for a few hours, recently went up to 1.35L and that's it. I haven't held big funds in it for too long, just credit and debit immediately afterwards 😛

 

[crazyuploader]

I spent 1L+ on tata neu in first 3 months and sent them request on email. They did it. Then i closed my card 😂

Here people aren't getting it, and you're slapping HDFC right on their face.

 

[crazyuploader]

Not patience. Anyhow its not useful as I have better cards in Cashback category. But just to have a card from HDFC 😁🙃

Patience does work, at least in my case it did, it was basically like this -

1. Paid MoneyBack+ upto 40K
2. LTF MoneyBack+ upto 40K
3. Paid MoneyBack+ upto 98K
4. Paid/LTF MoneyBack+ upto 1L
5. Paid/LTF Freedom/IndianOil/MoneyBack+ upto 67K
6. Paid Millennia upto 1.03L
7. LTF Millennia upto 1.03L

So, I do think patience is the key here, took me 11 months to get the desired offer, might be that I could get it earlier if I transacted more. But I did what I comfortably could and got the offer.

 

[crazyuploader]

You'll get the same mentioned limit as floor limit of Millenia is itself 1L.

And guys just received an SMS from HDFC Bank -

Congrats! Your HDFC Bank Insta Credit Card ending XXXX has been sent to your registered email ID. To open attachment use password . DO NOT DELETE.

And the checked email, which states 60K limit, big F for me guys, paying respect time 😀



Gotta admit I was excited for this one, but I am not sure if that's the case, in any case having 80K limit on Amazon Pay, 1L on SBI SimplySAVE, 30K on Axis ACE, 20K on SBI Cashback, 50K on Kotak League. Checked my profile in HDFC Bank and realized it was set to 1-3L as yearly income, maybe that has to do with less limit, but at least 1L should be great to have, guess time to move to other bank (won't close this account) and make it my primary bank for UPI payments and stuff.

 

[Akashn]

And guys just received an SMS from HDFC Bank -



And the checked email, which states 60K limit, big F for me guys, paying respect time 😀

View attachment 37171

Gotta admit I was excited for this one, but I am not sure if that's the case, in any case having 80K limit on Amazon Pay, 1L on SBI SimplySAVE, 30K on Axis ACE, 20K on SBI Cashback, 50K on Kotak League. Checked my profile in HDFC Bank and realized it was set to 1-3L as yearly income, maybe that has to do with less limit, but at least 1L should be great to have, guess time to move to other bank (won't close this account) and make it my primary bank for UPI payments and stuff.

Thats really strange.. CIBIL hit?

 

[crazyuploader]

Thats really strange.. CIBIL hit?

Yeah, I did receive a CIBIL hit, it was immediately when I applied for it, so don't know what went wrong, even though I know my income bracket was set to 1-3L in profile details, which I failed to update. In any case, I wanted to ask this, how hard is it in HDFC Bank to get a manual LE? Will drop them a message from NB's mailbox for the confirmation of LTF today.

 

[Akashn]

Yeah, I did receive a CIBIL hit, it was immediately when I applied for it, so don't know what went wrong, even though I know my income bracket was set to 1-3L in profile details, which I failed to update.

Maybe.. or its just because of cibil score..

I wanted to ask this, how hard is it in HDFC Bank to get a manual LE?

If you can attach supporting docs like salary slip/ITR then they'll consider..

 

[crazyuploader]

If you can attach supporting docs like salary slip/ITR then they'll consider..

I don't actually have any salary slips, just ITR is all I have, and that too 4L, so don't think they'd increase the limit, or would they?

 

[Akashn]

I don't actually have any salary slips, just ITR is all I have, and that too 4L, so don't think they'd increase the limit, or would they?

You can try.. Nothing to lose

 

[crazyuploader]

You can try.. Nothing to lose

Will try after I get the card

 

[crazyuploader]

BTW guys would I get this 500 INR voucher as activation benefits?

Also, I've emailed HDFC to confirm the LTF thing, but they are taking time to respond. Should I call them? Also would it mentioned in the welcome kit somewhere?