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.

 

[DarthYoda]

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

Under 2 months

 

[varun__goel_]

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?

Yes it change it in your profile from netbanking.
No there won't be any problem, just when filing your application for pre app cc, just declare your true details.

 

[Chaitanya-a]

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?

Koi problem ni hogi. Just change it to get regular cards. They don't verify your employment details for bank account.

Haan NetBanking me jake:
Profile details> Change Customer Profile> Edit

Offers will refresh after 1-3 months. Depends upon HDFC.

 

[DarthYoda]

Okay.
Thanks a lot @Chaitanya-a @varun__goel_

 

[ravi0101]

maine HDFC mein 3 account open kr rakhe hai .
1st Saving Max
2nd Digi Youth
3rd Regular Saving Account

6 month's ho gye hai lekin koi bhi credit card offer nhi aaya hai ... maintain 70k total balance...

Single ki wajah se offer nhi aata kya ... jb m online application fill krta hu toh "" Ravi S/O father name "" show krta hai aur iss Slash ki wajah se application process nhi ho rhi hai ...

balance increase krne se koi chance hai pre approved cc k ..

Existing unsecured cc SBI INDUSIND BOB UNION BANK KOTAK BANK ...

ek below 50k aur highest 80k limit hai

CC bill payment k liye monthly 225k tk ki transaction krta hu


aur ek issue yeh bhi hai ki kbhi net banking login nhi hoti hai..

netportal. HDFC banking open hoti after username fill krne k baad...
yeh page open hota hai every time

isko kse thik kru

 

[MrRobot]

aur ek issue yeh bhi hai ki kbhi net banking login nhi hoti hai..

netportal. HDFC banking open hoti after username fill krne k baad...
yeh page open hota hai every time

isko kse thik kru

Why not use the app. Since you are using the mobile browser on your phone, HDFC suspects some strange activity and hence asks for OTP as safeguard.

 

[ravi0101]

Why not use the app. Since you are using the mobile browser on your phone, HDFC suspects some strange activity and hence asks for OTP as safeguard.

netportal wali website open hoti hai woh dekho upar.... Otp koi issue nhi hai ...

Mobile banking wala interface aata hai web login krne par bhi

 

[varun__goel_]

netportal wali website open hoti hai woh dekho upar.... Otp koi issue nhi hai ...

Mobile banking wala interface aata hai web login krne par bhi

Netbanking change ho gyi h hdfc ki, mobile app jsi lgti h ab. Phle wala gaya

 

[SSV]

Netbanking change ho gyi h hdfc ki, mobile app jsi lgti h ab. Phle wala gaya

You lucky .. you are on the latest and the greatest HDFC Tech...na...

 

[amitr29]

I opened account this month and can maintain a balance of 5-8 lacs. Will higher balance result in better card offer?

 

[invisiblespace]

Got millennia paid as pre approved
Should i wait for LTF or accept it ?

 

[SSV]

Got millennia paid as pre approved
Should i wait for LTF or accept it ?

Wait . .

 

[SSV]

I opened account this month and can maintain a balance of 5-8 lacs. Will higher balance result in better card offer?

Higher balance coupled with Higher activity will result in Higher chances for better card offer

 

[varun__goel_]

You lucky .. you are on the latest and the greatest HDFC Tech...na...

Naah I am still on old😛🤭.

 

[SSV]

Naah I am still on old😛🤭.

There you go. , that proves my inability to read Hindi correctly..

 

[Chaitanya-a]

Got millennia paid as pre approved
Should i wait for LTF or accept it ?

It won't be provided as LTF as HDFC has stopped sourcing LTF cards by default. You should accept the offer.

Millenia is a good card and can give good value on your investment of ₹1k per annum.

 

[SSV]

Got millennia paid as pre approved
Should i wait for LTF or accept it ?

It won't be provided as LTF as HDFC has stopped sourcing LTF cards by default. You should accept the offer.

Millenia is a good card and can give good value on your investment of ₹1k per annum.

Here we go, a LTF offer from HDFC..that I keep rejecting..

 

[varun__goel_]

Here you go, a LTF offer from HDFC..that I keep rejecting..

Check once on the application page let us know🤭😛 Don't believe on these mails of hdfc🤣

 

[varun__goel_]

There you go. , that proves my inability to read Hindi correctly..

No worries, slowly and steadily you will learn🤭😆

 

[SSV]

Check once on the application page let us know🤭😛 Don't believe on these mails of hdfc🤣

Even in the application also it is ltf, but I don’t want to check frequently as it is not offering me a better card and LE , it keeps extending the date..
Hence I stopped checking inside for about a month