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.

 

[crazyuploader]

And weirdly enough, the upto offer went from 40K to 98K, then 98K to 1L, and now it's back to 67K, and MoneyBack+ as LTF before, Millennia started showing for brief time and then gone, now back to MoneyBack+ only 🤣

 

[oneadi]

And weirdly enough, the upto offer went from 40K to 98K, then 98K to 1L, and now it's back to 67K, and MoneyBack+ as LTF before, Millennia started showing for brief time and then gone, now back to MoneyBack+ only 🤣

Ab kuon sa mila finally

 

[crazyuploader]

Ab kuon sa mila finally

Right now, it's showing MoneyBack+ & Freedom as spend based fees waiver, Shoppers Stop as truly LTF, and I am only interested in Millennia Credit Card. Maybe it's time to get it from branch using C2C method

 

[varun__goel_]

Right now, it's showing MoneyBack+ & Freedom as spend based fees waiver, Shoppers Stop as truly LTF, and I am only interested in Millennia Credit Card. Maybe it's time to get it from branch using C2C method

Remember not to use icici or kotak😉
Use axis amex sbi

 

[Chaitanya-a]

Right now, it's showing MoneyBack+ & Freedom as spend based fees waiver, Shoppers Stop as truly LTF, and I am only interested in Millennia Credit Card. Maybe it's time to get it from branch using C2C method

They usually give Moneyback on C2C applications.

 

[crazyuploader]

Remember not to use icici or kotak😉
Use axis amex sbi

Could you tell why not? But in any case, I have SBI with 1L limit, so that's the only card I can use anyways

 

[crazyuploader]

They usually give Moneyback on C2C applications.

Ah, I thought I could get Millennia on C2C

 

[varun__goel_]

Could you tell why not? But in any case, I have SBI with 1L limit, so that's the only card I can use anyways

HDFC doesn't respect icici and kotak🤣. As they give limits like hell, even if you give icici or kotak with 4L for millenia c2c, you will get limit around 50k on moneyback+ most probably. You can use sbi 1L to get millenia on c2c basis. It is much better option than icici kotak with lakhs of limits

 

[DarthYoda]

Pre approved check krne pr inquiry hui kya?

 

[Trust Me]

They usually give Moneyback on C2C applications.

What kind of activity is looked for in the C2C base card? Does it matter if it has been idle in recent months?

 

[oneadi]

Pre approved check krne pr inquiry hui kya?

Srif check karne se Hard Enquiry nehi jata card select karke next page mrin jane k bad jata

 

[oneadi]

Could you tell why not? But in any case, I have SBI with 1L limit, so that's the only card I can use anyways

Main july mein account opening kiya hoon , tab self employed select kiya tha isliya ab CSC money-back & SS card pre approved mila , main aj hi Salaryied kiya hoon kitne din badd new offer mil sakta @Chaitanya-a

 

[Chaitanya-a]

Main july mein account opening kiya hoon , tab self employed select kiya tha isliya ab CSC money-back & SS card pre approved mila , main aj hi Salaryied kiya hoon kitne din badd new offer mil sakta @Chaitanya-a

Update hoke new offer aane me 1-3 months lag skta hai.

 

[oneadi]

Update hoke new offer aane me 1-3 months lag skta hai.

Kin kin transaction karna chahiye?
Mera koi v unsecured card nehi hai.ab limit 44k mil raha ,kon sa card lena thik hoga HDFC ka & kitna limit milne k bad apply keru jiske help se muje dusre bank ka card C2C easily mil jaye

 

[Chaitanya-a]

What kind of activity is looked for in the C2C base card? Does it matter if it has been idle in recent months?

It doesn't matter. They only look for existing card limit and the holding time since how many years you're having that card. They may also give priority to few high quality issuers like Amex, StanC & HSBC.

For other cards they usually give quite less limit as compared to your C2C card limit.

 

[Chaitanya-a]

Kin kin transaction karna chahiye?
Mera koi v unsecured card nehi hai.ab limit 44k mil raha ,kon sa card lena thik hoga HDFC ka & kitna limit milne k bad apply keru jiske help se muje dusre bank ka card C2C easily mil jaye

44k limit mat lo. Wait karo bdha hua limit milega. Atleast 1L limit dega tabhi lena.
Card toh Millenia lena sahi rahega but wo milega ya ni pre approved doubtful hai.

 

[DarthYoda]

44k limit mat lo. Wait karo bdha hua limit milega. Atleast 1L limit dega tabhi lena.
Card toh Millenia lena sahi rahega but wo milega ya ni pre approved doubtful hai.

I also got first offer for around 40k small bus moneyback, now getting upto 70k limit business moneyback.
I haven't checked which card are offered other than these. I just checked URL and there it was mentioned.
Should i change my profile from self employed to salaried for millenia ? @Chaitanya-a ?

 

[oneadi]

Account opening k kitne din bad 1st pre approved mila tha apko?

I also got first offer for around 40k small bus moneyback, now getting upto 70k limit business moneyback.
I haven't checked which card are offered other than these. I just checked URL and there it was mentioned.
Should i change my profile from self employed to salaried for millenia ? @Chaitanya-a ?

 

[Chaitanya-a]

I also got first offer for around 40k small bus moneyback, now getting upto 70k limit business moneyback.
I haven't checked which card are offered other than these. I just checked URL and there it was mentioned.
Should i change my profile from self employed to salaried for millenia ? @Chaitanya-a ?

Yes you have to change your profile from Self employed to Salaried for regular cards. Otherwise, they'll only offer you business cards in which Millenia doesn't count. Only Moneyback & Regalia are there.

 

[DarthYoda]

Yes you have to change your profile from Self employed to Salaried for regular cards. Otherwise, they'll only offer you business cards in which Millenia doesn't count. Only Moneyback & Regalia are there.

I'm not salaried tho toh koi problem toh nhi hogi naa?
-And yeh profile m jakr change krna hoga kya?
-after how many days offers will refresh?