HDFC PRE- APPROVED SURVEY

[VasukiVasuki is verified member.]

We all know you can get pre-approved offers from HDFC if you maintain a good balance in a savings account.

1-How much did you keep in your savings/current account on average?
2- What extra things did you do?
3-What was the credit limit you got in proportion to the money you kept?
4-How long did it take for the pre-approved offer to kick in?

If you have any other valuable information, do share! 🤘

 

[sovon]

I'm sharing my friend's experience here

1. He has the regular savings account, with 5k minimum balance required, he is maintaining that only.

2. He used his account for his daily expenses via UPI.
Never used his debit card for online purchases or payment, only used for cash withdrawal from atm.

3. He was maintaining nearly 5k , got 50k limit.

4. Account was opened on 22nd or 23rd of June, and he received pre approved offer mail / sms / WhatsApp message from September 2nd or third.

This is his first credit card.

He was Offered:
Money Back + LTF
Indian oil LTF
Swiggy Paid

 

[RAMESH BABU N]

Always 1.5L to 2L in SBMax.
All bills paid thru BillPay.
For the last 3 years.

No PRE-APPROVED.
No Credit Card till now.
Not even Co-Branded one.

But, every week
I get over a dozen emails.
Over a dozen SMSs.
Over a dozen phone calls.

Sick of their logic and processes.
No card, even after doing 5 vKYCs and
at least 5 physical verifications.

Within the first month, they approved n issued TNInfinity card, couriered it too. But, MADE IT DORMANT ALMOST IMMEDIATELY. Reasons - not known, not conveyed even after 10+ emails.

Something is seriously wrong with them n their lack of coordination between their core accounting system, marketing, CIBIL hit team n approval teams. No one knows what the others are doing.

Last 2-3 years, got 24 cards from all others.

 

[ccdc]

after reading above post....i think hdfc is very kind to me...like extremely kind...

 

[sunit123]

Pre-approved offfer is just a ninja technique to make fool...They make a hard CIBIL hit and then reject the request

 

[prankster]

I opened SB Max in April 2024.
Used account for CC payments using DC.
Started receiving preapproved CC offers after 3 months for DCP, swiggy, Indian Oil with a limit of 1.3 L. I didn't take it, so started receiving Regalia pre approved (paid).
I still haven't taken the preapproved CC after 1.5 years. The CC list keeps refreshing every couple of months or so.
Still waiting for the perfect opportunity. The offered limit has increased to 4L now.

 

[aayusharyan]

We all know you can get pre-approved offers from HDFC if you maintain a good balance in a savings account.

1-How much did you keep in your savings/current account on average?
2- What extra things did you do?
3-What was the credit limit you got in proportion to the money you kept?
4-How long did it take for the pre-approved offer to kick in?

If you have any other valuable information, do share! 🤘

My mother, opened SB Account 5-6 months ago.
Avg Balance about 5-6K (Since she is part of my Imperia family, doesn't matter the MAB requirement).
No extra things.
Pre approved offer last month for Diners Club. RM said he just needs the OTP to process, no KYC, No Cibil hit, nothing...

Couldn't get time to apply for it, but will share post once applied with the limit as well...

 

[vipin123]

I am maintaining 50K+ from last few months but no pre approved offer,
Should I break my 1.5Lakh FD and keep them in my SB account for next few months.
Will it help me to get pre approved offer.

 

[aishwarya]

BSBDA. No MAB. used for upi. got offer after 1yr. no cibil hit.

 

[_zeebro_]

i opened account in feb; maintained around 1L(was approved for vishesh banking in march);
was offered ltf moneyback+ with 84k limit in july

 

[blupirate]

I came across technofino in March 2024 and after carefully reading testimonials from many peoples here, I decided to open HDFC account online. opened in april 2024.
I did not maintain much but I did 40k wallet load with my Millennia DC every month, did UPI and used it as my main bank (ditched ICICI). in September 2024 they started sending me mails for Pre approved CC.
I checked and saw LTF Millennia with 1 lakh limit with 2000 INR Voucher just before GIF/BBD Sale. Applied and got CC within 4 days. No cibil Hit.
Using it heavily since last year but they did not give any LE. Shifted all spends on Millennia via Smartbuy but no LE.

 

[hitirfan]

I got HDFC IOCL CC first then opened bank account 5K MAB. I didn't get any pre approved offer but I used this banking relationship to make HDFC Swiggy and HDFC Freedom LTF.

 

[Lynx]

I came across technofino in March 2024 and after carefully reading testimonials from many peoples here, I decided to open HDFC account online. opened in april 2024.
I did not maintain much but I did 40k wallet load with my Millennia DC every month, did UPI and used it as my main bank (ditched ICICI). in September 2024 they started sending me mails for Pre approved CC.
I checked and saw LTF Millennia with 1 lakh limit with 2000 INR Voucher just before GIF/BBD Sale. Applied and got CC within 4 days. No cibil Hit.
Using it heavily since last year but they did not give any LE. Shifted all spends on Millennia via Smartbuy but no LE.

I'm doing (millennia wallet load) from April and i have salary account with them
Not recieved any CC offer yet. They are sending spam e-mails like your LTF card is here, 2 Time's i continue and they did cibil enquiry now I'm ignoring that e-mails and messages😐

 

[blupirate]

I'm doing (millennia wallet load) from April and i have salary account with them
Not recieved any CC offer yet. They are sending spam e-mails like your LTF card is here, 2 Time's i continue and they did cibil enquiry now I'm ignoring that e-mails and messages😐

To me they did not check cibil, just send the card and it was LTF. don't know how their system works that's why I haven't received any LE even though I used 99% of limit 2 times. Now i guess i will reduce it to max 4-5k per month.