Here is my journey of 30 days. Prior this, I had no relationship with HDFC whatsoever.
City: City of pearls (Hyderabad)
I got interested in tata neu cards, app mentioned even infinity LTF. During application, it allowed me to apply only for Tata Neu Plus LTF. Somehow due to some screw up in office address & delivery address, it got rejected. It was 5 months ago.
2 months ago, I tried applying directly from HDFC website. It showed me tata neu plus FYF, Money Back+ paid & some other Indian oil card. I did choose moneyback+ but didn't do KYC. Thanks to this community, understood that should never apply for co branded as first HDFC card. And also basic cards if you are eligible for much better cards.
This is when I decided to open HDFC bank account for pre-approved offers.
End of Nov 2023, I opened MaxSaving account online... but KYC wasn't being done via APP. It asked me to visit Branch, but then Branch guys asked me to wait for 3 days, only then they can help. Next day I got a call from far away branch (but big branch), they visited home & opened account offline & provided me with generic kit for net banking and debit card.
Took 2-3 days for my IP cheque of 25k to en cash & account is live. I started pestering the guy who opened account (who is actually RM, but not to me as maxsavings has no RM). To help to negotiate, I added 2L funds to my account & the guy triggered manual upgrade to Preferred. I provided consent on same day & account turned preferred. Same guy is now preferred RM.
My pestering continued, he connected me with CC person. I told him my intention go for LTF only cards & he agreed. He guided me through HDFC DAP application process (https://apply.hdfcbank.com/vivid/ccuiux_new#CC-Login). It didn't trigger any CIBIL hit, but showed me somewhat better cards (6 of them) but all chargeable (Diners club privilege being the best). Agent tried to convince me that its LTF, but its clearly a paid card as per summary there. For this guys, any card with spend based waiver is LTF... so even infinia is LTF for them.
I then gave a BAMBOO to my RM, and he connected me to another guy next day. He said my employer is in their special list, and they can process me regalia gold or diners club privilege LTF (requires 1.5L salary/month). They do provide Millenia LTF is salary is around 40-45k. You don't need to have salary account with them. Pre-approved offers are also not needed. But if you have pre-approved offer, they can process it LTF online if you have salary account with HDFC.
Agent came home for offline documentation. Shared 3 month pay slips and 3 months salary account bank statement. Got verification call within 2 days, lady confirmed LTF card without even asking & within a week, received approval & virtual card for Regalia Gold LTF with 3L limit.
So within 30 days, from no relationship to LTF regalia Gold.
Now I'm in negotiations for Infinia. Discussed with couple of bank manager, one guy confirmed that he can get me Infinia. But I'm trying for LTF, which may not work most likely. But BM is veteran HDFC employee, and has history of processing Infinia LTF. So lets wait & see.
Companies list: Credit to @V G for public post. https://www.technofino.in/community...lia-gold-will-be-considered.20915/post-472973
Happy to share my journey & tricks.
Special Mentions:
1. @4uziaul for clarifying my newbie doubts @ https://www.technofino.in/community/threads/first-hdfc-cc-need-help.19408/
2. @avis_ for sharing contact who can help with LTF Millenia. If anyone in Chennai needs help, he should be able to do it himself. This helped me to confidently push my RM and get it out of him.
3. @Astraea for triggering my interest towards LTF part of HDFC https://www.technofino.in/community/threads/getting-hdfc-millennia-credit-as-ltf.20315/
City: City of pearls (Hyderabad)
I got interested in tata neu cards, app mentioned even infinity LTF. During application, it allowed me to apply only for Tata Neu Plus LTF. Somehow due to some screw up in office address & delivery address, it got rejected. It was 5 months ago.
2 months ago, I tried applying directly from HDFC website. It showed me tata neu plus FYF, Money Back+ paid & some other Indian oil card. I did choose moneyback+ but didn't do KYC. Thanks to this community, understood that should never apply for co branded as first HDFC card. And also basic cards if you are eligible for much better cards.
This is when I decided to open HDFC bank account for pre-approved offers.
End of Nov 2023, I opened MaxSaving account online... but KYC wasn't being done via APP. It asked me to visit Branch, but then Branch guys asked me to wait for 3 days, only then they can help. Next day I got a call from far away branch (but big branch), they visited home & opened account offline & provided me with generic kit for net banking and debit card.
Took 2-3 days for my IP cheque of 25k to en cash & account is live. I started pestering the guy who opened account (who is actually RM, but not to me as maxsavings has no RM). To help to negotiate, I added 2L funds to my account & the guy triggered manual upgrade to Preferred. I provided consent on same day & account turned preferred. Same guy is now preferred RM.
My pestering continued, he connected me with CC person. I told him my intention go for LTF only cards & he agreed. He guided me through HDFC DAP application process (https://apply.hdfcbank.com/vivid/ccuiux_new#CC-Login). It didn't trigger any CIBIL hit, but showed me somewhat better cards (6 of them) but all chargeable (Diners club privilege being the best). Agent tried to convince me that its LTF, but its clearly a paid card as per summary there. For this guys, any card with spend based waiver is LTF... so even infinia is LTF for them.
I then gave a BAMBOO to my RM, and he connected me to another guy next day. He said my employer is in their special list, and they can process me regalia gold or diners club privilege LTF (requires 1.5L salary/month). They do provide Millenia LTF is salary is around 40-45k. You don't need to have salary account with them. Pre-approved offers are also not needed. But if you have pre-approved offer, they can process it LTF online if you have salary account with HDFC.
Agent came home for offline documentation. Shared 3 month pay slips and 3 months salary account bank statement. Got verification call within 2 days, lady confirmed LTF card without even asking & within a week, received approval & virtual card for Regalia Gold LTF with 3L limit.
So within 30 days, from no relationship to LTF regalia Gold.
Now I'm in negotiations for Infinia. Discussed with couple of bank manager, one guy confirmed that he can get me Infinia. But I'm trying for LTF, which may not work most likely. But BM is veteran HDFC employee, and has history of processing Infinia LTF. So lets wait & see.
Companies list: Credit to @V G for public post. https://www.technofino.in/community...lia-gold-will-be-considered.20915/post-472973
Happy to share my journey & tricks.
Special Mentions:
1. @4uziaul for clarifying my newbie doubts @ https://www.technofino.in/community/threads/first-hdfc-cc-need-help.19408/
2. @avis_ for sharing contact who can help with LTF Millenia. If anyone in Chennai needs help, he should be able to do it himself. This helped me to confidently push my RM and get it out of him.
3. @Astraea for triggering my interest towards LTF part of HDFC https://www.technofino.in/community/threads/getting-hdfc-millennia-credit-as-ltf.20315/
