Is HDFC millennia Not offered to Self Employed?

[pradeepG]

Today i went to HDFC branch(offline) for Card to Card Basis application for HDFC Millenia Card, there a branch person told me that they do not offer millennia to Self-Employed. On Previous instance another person was there who said it will be done at that time i had just been decline axis card so didnt proceed with the application. Now they are saying they will give either Business Regalia or Business Moneyback, But in my use case only millennia Fits. I don't have any previous relationship with HDFC.
Anybody having similar experience and Got millennia? plz confirm either is it their executive's bluff or true?

 

[Phonix_YT]

If we apply through the process of C2C, would the card be LTF or not?

 

[Anil_SinghAnil_Singh is verified member.]

If we apply through the process of C2C, would the card be LTF or not?

Yes. It will be LTF.

 

[Gau₹av]

Very hard to get Millennia if self-employed, work from home, and home and office address same. Online algorithm will never offer it and in offline application, declined for having address same. They only force business credit cards on you.

 

[pradeepG]

Very hard to get Millennia if self-employed, work from home, and home and office address same. Online algorithm will never offer it and in offline application, declined for having address same. They only force business credit cards on you.

i got millennia then by c2c method.

 

[Gau₹av]

i got millennia then by c2c method.

Are you self-employed AND having same office-home address in your C2C application, bro?

 

[Anil_SinghAnil_Singh is verified member.]

Are you self-employed AND having same office-home address in your C2C application, bro?

Yes. I too got Millennia on same conditions you mentioned.

 

[Gau₹av]

Yes. I too got Millennia on same conditions you mentioned.

Then they're just a bunch of mean jerks refusing it to me since 2022 despite Preferred banking and good cibil, good 1.88L limit. For 3 years I've been trying. Finally got Freedom LTF besides Swiggy LTF & Neu ∞ LTF. Will get Freedom upgraded to Millennia soon

 

[InfamousInfamous is verified member.]

Yes. I too got Millennia on same conditions you mentioned.

How long was that and what was the bank & limit of your card you applied with?

 

[pradeepG]

Are you self-employed AND having same office-home address in your C2C application, bro?

yes and yes

 

[Anil_SinghAnil_Singh is verified member.]

How long was that and what was the bank & limit of your card you applied with?

Last year Feb. Applied using ICICI with 2.8L limit. Got only 25k limit. Later increased limit by providing income documents. You should provide either Axis/SBI statements for better limits.

 

[pradeepG]

Last year Feb. Applied using ICICI with 2.8L limit. Got only 25k limit. Later increased limit by providing income documents. You should provide either Axis/SBI statements for better limits.

applied approx that time, given 2.65L SBI statement, got only 1.3L in hdfc.

 

[Anil_SinghAnil_Singh is verified member.]

applied approx that time, given 2.65L SBI statement, got only 1.3L in hdfc.

Good to see more limit in the 1st attempt.

 

[pradeepG]

Good to see more limit in the 1st attempt.

more, it was half of what card i gave, Agent told they do match the limit..

 

[Anil_SinghAnil_Singh is verified member.]

more, it was half of what card i gave, Agent told they do match the limit..

For self employed, its not the case I guess.