I could get IRCTC card LTF only as my mom's first HDFC card since they denied me for having Millennia LTF, Swiggy LTF, 2 UPI RuPay LTF (1 via PayZapp, other via My Cards), Neu Infinity LTF, and Pixel Play Visa+RuPay LTF. Next I will try for PhonePe Ultimo for mom as 2nd card
So my suggestion only try this as the first card for someone else in the family