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.

 

[Alex292929]

Do you have ss of that offer?

Just checked, there is spend based ltf for this card but not for millenia & tata neu

 

[Nobody]

Yeah they've stopped this offer since last year itself. Now they're only running basic per year spend based waiver offer which is useless.

I made my home branch apply for ltf millennia which i received but got approved with low limit. So it depends on the relationship you have with bank.

 

[crazyuploader]

I made my home branch apply for ltf millennia which i received but got approved with low limit. So it depends on the relationship you have with bank.

How much limit you got?

 

[crazyuploader]

Limit is more then double now

Yes, almost 2.5x times the previous limit now

 

[Alex292929]

Yes, almost 2.5x times the previous limit now

have you applied?

 

[BeingIncog]

Millennia Visa Signature received today. Converted from MasterCard variant.

 

[Nobody]

How much limit you got?

50k only despite maintaining decent balance. But since in my net banking pre approved offer for moneyback with 50k was there, i think that's why they gave this limit. But i am ok with this limit as long as i got the desired card.

 

[Akashn]

50k only despite maintaining decent balance. But since in my net banking pre approved offer for moneyback with 50k was there, i think that's why they gave this limit. But i am ok with this limit as long as i got the desired card.

How much balance maintained?

 

[crazyuploader]

I made my home branch apply for ltf millennia which i received but got approved with low limit. So it depends on the relationship you have with bank.

Think I should try to have LTF Millennia from HDFC Bank Home Branch

 

[crazyuploader]

have you applied?

Nope, I want Millennia not MoneyBack+

 

[varun__goel_]

I have a CC received as pre approved. If I cancel it, can I again get a pre approved offer from from HDFC or will have to apply myself with docs?

 

[Nobody]

Think I should try to have LTF Millennia from HDFC Bank Home Branch

All depends on branch people for my case they had to take approval from some senior person in cards division since ltf card application could only be done through c2c mode and highest limit on my card was 95k, just short of required one lakh for millennia. For that to approve even branch manager was also not eligible as they told me. Approval came in 8-9 days i think.

 

[crazyuploader]

All depends on branch people for my case they had to take approval from some senior person in cards division since ltf card application could only be done through c2c mode and highest limit on my card was 95k, just short of required one lakh for millennia. For that to approve even branch manager was also not eligible as they told me. Approval came in 8-9 days i think.

C2C for Millennia seems to be the only way of getting it I guess, for now that is.

 

[crazyuploader]

BTW guys, seeing emails which are mentioning IndianOil Credit Card, plus a little increment in "upto" limit, from 98K -> 100K. No sign of Millennia Credit Card yet

 

[crazyuploader]

And IOCL CC as LTF, TATA Neu Plus as well. Not sure if they're truly LTF or what, but don't see any condition written either. Not sure how easy it would be for me to have Millennia Credit Card after taking any of this

 

[Akashn]

And IOCL CC as LTF, TATA Neu Plus as well. Not sure if they're truly LTF or what, but don't see any condition written either. Not sure how easy it would be for me to have Millennia Credit Card after taking any of this

Wait for millennia. Dont take tata neu as first card

 

[Alex292929]

I also got a slight limit extension in pre app offer 1.25> 1.56 but for the indian oil card.
But will I get same limit if I apply millenia?

 

[crazyuploader]

Wait for millennia. Dont take tata neu as first card

Got it, thanks. BTW starting to see Millennia now

 

[crazyuploader]

Millennia Visa Signature received today. Converted from MasterCard variant.

Any benefits over MasterCard variant?

 

[Chaitanya-a]

Any benefits over MasterCard variant?

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