I am getting Millenia pre-approved but I want HDFC Regalia or Diners privilege cc

[M2222]

Hello Everyone

I am getting HDFC millennia LTF (50k spend) pre-approved but I am more interested in Regalia or Diners privilege card.
I don't shop much. I am only interested in cc just because of free international lounges.
I keep 1-2 lakh MAB in my hdfc account regularly.
Should I get this millennia cc now and wait for an upgrade offer(that would be 6-12 months on average) or I should wait a little more to get Regalia or Diners privilege cc pre approved offer?

 

[007]

Hello Everyone

I am getting HDFC millennia pre-approved but I am more interested in Regalia or Diners privilege card.
I don't shop much. I am only interested in cc just because of free international lounges.
I keep 1-2 lakh MAB in my hdfc account regularly.
Should I get this millennia cc now and wait for an upgrade offer(that would be 6-12 months on average) or I should wait a little more to get Regalia or Diners privilege cc pre approved offer?

Imo if you don't see any benefit getting Millenia, you should wait. They would be more eager to offer you one (Regalia), if you don't hold any CC.

 

[M2222]

Imo if you don't see any benefit getting Millenia, you should wait. They would be more eager to offer you one (Regalia), if you don't hold any CC.

Thanks

 

[007]

That's true too
But do they provide upgrades in pre approved offers?

Yes, that's what I have heard. And I believe it should work!

 

[M2222]

Get what you get
I don't know whether HDFC gives upgrades in pre approved offers or not

Regalia is just above Millennia so I don't think getting Regalia later would be an is

I heard that if you don't accept their pre-approved cc then they offer better cc within few months. I keep fine MAB and I pay other cc bills through HDFC bill pay. So, I guess they might offer me something better in coming months.

 

[tiny]

Hello Everyone

I am getting HDFC millennia LTF (50k spend) pre-approved but I am more interested in Regalia or Diners privilege card.
I don't shop much. I am only interested in cc just because of free international lounges.
I keep 1-2 lakh MAB in my hdfc account regularly.
Should I get this millennia cc now and wait for an upgrade offer(that would be 6-12 months on average) or I should wait a little more to get Regalia or Diners privilege cc pre approved offer?

Just out of curiosity how olds your account as you have mentioned that you maintain 1-2L MAB

 

[cherryj1988]

I heard that if you don't accept their pre-approved cc then they offer better cc within few months. I keep fine MAB and I pay other cc bills through HDFC bill pay. So, I guess they might offer me something better in coming months.

Happened to someone I know. She had a HDFC savings acc and used to keep getting calls from HDFC for CC with 50k limit. She said she started getting these calls/emails in 2020 and she just ignored. Few months later it increased to ~80k and finally last month she got a preapproved no conditions LTF millenia with 1.7L limit and she took the card lol

 

[M2222]

Just out of curiosity how olds your account as you have mentioned that you maintain 1-2L MAB

Around 3.5 months ago. Now they offered me 1L credit limit.
It's kinda surprising to me.
In the morning it was 50k spend based LTF and now they are offering no condition LTF.

 

[Krish]

Around 3.5 months ago. Now they offered me 1L credit limit.
It's kinda surprising to me.
In the morning it was 50k spend based LTF and now they are offering no condition LTF.

They increased from 50,0000 to 1 Lac limit within one day ? 🥲

I shouldn’t have accepted the Moneyback+ For 50,000 then 🥲 , that too I accepted within first day of offer itself.

 

[M2222]

They increased from 50,0000 to 1 Lac limit within one day ? 🥲

I shouldn’t have accepted the Moneyback+ For 50,000 then 🥲 , that too I accepted within first day of offer itself.

No, In the morning I had the offer to convert the Milennia cc LTF by spending 50k in 90 days but now it's no condition LTF. I can see both option in my net banking offer section.
Earlier I didn't know the cc limit but in evening It started showing that I have 1L credit limit.

 

[Abhimanyu]

Hi all , I got the HDFC NEW MILLENNIA CREDIT CARD today and it is LTF for me unconditionally. I do not hold any existing relationship with HDFC BANK. I got this LTF based on my credit history and credit score across several credit information companies.
Another great thing is that my MILLENNIA card is based on DINER’s CLUB International platform and has a unique 14 digit Card number

 

[007]

Hi all , I got the HDFC NEW MILLENNIA CREDIT CARD today and it is LTF for me unconditionally. I do not hold any existing relationship with HDFC BANK. I got this LTF based on my credit history and credit score across several credit information companies.
Another great thing is that my MILLENNIA card is based on DINER’s CLUB International platform and has a unique 14 digit Card number

You might regret getting the Diner's Club platform in some cases! 😁

 

[Abhimanyu]

You might regret getting the Diner's Club platform in some cases! 😁

Kindly elaborate these cases ;-) 😉😈

 

[007]

Kindly elaborate these cases ;-) 😉😈

Unacceptability!

 

[Abhimanyu]

Unacceptability!

WHERE EXACTLY!

 

[ashwinkashwink is verified member.]

Around 3.5 months ago. Now they offered me 1L credit limit.
It's kinda surprising to me.
In the morning it was 50k spend based LTF and now they are offering no condition LTF.

Yeah it's very surprising 😮
Lucky you...!

 

[M2222]

Yeah it's very surprising 😮
Lucky you...!

😃😃😃

 

[M2222]

Congratulations
Wait ... You might get LTF Regalia

Yeah, I hope to get that soon.
It's funny they want me to switch.

"You just got lucky! Switch to HDFC Bank Credit Card with Credit Limit of Rs.100000.00"

I guess I pay other cc bills through their platform so they want me to use hdfc cc.

 

[ashwinkashwink is verified member.]

Great ... Wait for Regalia then

I think he he is not need to wait long get it easily soon 🙂

 

[M2222]

I think he he is not need to wait long get it easily soon 🙂

I hope so and I am not in rush either.