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.

 

[oneadi]

Wait for pre approved offer I would say after changing to Salaried. If you're applying by yourself, then fill it as Salaried.

Mera v self employed tha October mein salary kiya tha Lekin avi tak business card show ho raha hai September main Small with 44k upto limit mila tha ab Business monyback LTF with 1L limit mil raha
Kiya Millennia or regular card milega ya fir ye lena thik hoga q ki ye mera 1st unsecured card hoga please send your valuable response @Chaitanya-a

 

[Chaitanya-a]

Mera v self employed tha October mein salary kiya tha Lekin avi tak business card show ho raha hai September main Small with 44k upto limit mila tha ab Business monyback LTF with 1L limit mil raha
Kiya Millennia or regular card milega ya fir ye lena thik hoga q ki ye mera 1st unsecured card hoga please send your valuable response @Chaitanya-a

Ekbar HDFC ko manually request krke dekho mail pe. Ye 1L wale offer ka ss lena or unko request krna ki meri profile salaried hai. Or mai Millenia card k liye bhi eligible hu qki 1L floor limit hoti hai Millenia ki. Please mujhe provide kariye.

Email id:
Grievance.redressalcc@hdfcbank.com

 

[oneadi]

Ekbar HDFC ko manually request krke dekho mail pe. Ye 1L wale offer ka ss lena or unko request krna ki meri profile salaried hai. Or mai Millenia card k liye bhi eligible hu qki 1L floor limit hoti hai Millenia ki. Please mujhe provide kariye.

Email id:
Grievance.redressalcc@hdfcbank.com

Mail kar Diya hoon dekta hoon kiya hota Hain

 

[crazyuploader]

Just want to share my experience:
Got rejected for HDFC/Axis CC over the 4 years. So finally this year June I opened HDFC max savings account. Kept 2L balance and moved all transactions to HDFC debit card. Used smart pay for utilities bill payment. Used Payzap for UPI.

Started getting money+ ltf offers in September. I ignored it. From October started getting offers for paid millenia, ignored that as well. Then Millennia conditional ltf, skipped this as well. Then last week got offer for millennia ltf with 1L limit. On application form it clearly mentioned "No charges , renewal fees". So I applied and got Insta e card within 10hrs. card was delivered in 4 days. I have emailed customer care to confirm card is ltf.

So key is patience and moving most transactions to HDFC.

Also, what I observed is that first time when I opened link on my phone it was showing as ltf but I couldn't complete the application and thought I will do it later. I opened same link after 1 hour on my laptop and now it was showing conditional ltf i.e. fee waiver on 1L spend. So I did not proceed. I was confused how this happened. I tried again on phone but again conditional ltf. Then I used different browser and this time it was unconditional ltf. I took screenshot and applied. So this whole process of ltf seems bit random.

Hehe boi

 

[crazyuploader]

Hehe boiView attachment 37076

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

 

[Akashn]

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 should get max limit shown

 

[crazyuploader]

You should get max limit shown

Wasn't sure as it said "up-to", but let's see, have applied, wish me luck guys, I see a CIBIL hit as well.

 

[crazyuploader]

We don't see virtual card immediately?

 

[Akashn]

We don't see virtual card immediately?
View attachment 37077

Nope. You should get approval msg in 24hrs

 

[crazyuploader]

Nope. You should get approval msg in 24hrs

Hopefully, it will be LTF only, I have screenshots ready, it's just that I didn't immediately apply even though I was on that page, didn't want to recheck from the same link again because at times it shows LTF, at times it doesn't.

 

[Bhaskar]

Hehe boiView attachment 37076

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?

 

[NShah]

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?

Mail to
grievance.redressalcc@hdfcbank.com

priorityredressal.creditcards@hdfcbank.com

 

[Bhaskar]

Mail to
grievance.redressalcc@hdfcbank.com

priorityredressal.creditcards@hdfcbank.com

Mailed to grievance but reply came from escalation team and they straightaway denied to convert it to LTF. Any other way or specific things to mention in mail? I hold savings max account with decent balance. I told them about my relationship with them too and requested even for spend based LTF offer still denied.

 

[NShah]

Mailed to grievance but reply came from escalation team and they straightaway denied to convert it to LTF. Any other way or specific things to mention in mail? I hold savings max account with decent balance. I told them about my relationship with them too and requested even for spend based LTF offer still denied.

First spend good amount above 50k within 3 to 5 months and then request for ltf

 

[Bhaskar]

First spend good amount above 50k within 3 to 5 months and then request for ltf

Okay thank you 😊

 

[varun__goel_]

First spend good amount above 50k within 3 to 5 months and then request for ltf

Now they are not taking ltf request at all. They denied to convert both tata neu and millenia to ltf, have around 3L combined spends on fathers card in 4-5months, still nothing.

 

[Akashn]

Now they are not taking ltf request at all. They denied to convert both tata neu and millenia to ltf, have around 3L combined spends on fathers card in 4-5months, still nothing.

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

 

[John123]

We don't see virtual card immediately?
View attachment 37077

I have millenia offer now.( offer appeared in last week of nov) Will wait until its offered as LTF.

 

[John123]

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

 

[SSV]

I have millenia offer now.( offer appeared in last week of nov) Will wait until its offered as LTF.

Good boy ... Patience ..