Regalia Gold Kickstarting My Banking Journey with HDFC for Pre-Approved LTF Credit Card Offers! 💳🚀

[Anindya98]

With advice from @SSV & @Anupama_Jha, I reopened my HDFC journey after closing my Tata Neu Plus CC (74K limit) since they refused to upgrade it to Infinity or a core card. Got the 2nd-year fee waived with 87K spends but finally closed it in Jan 2025.

Opened a Max Savings Account on 24th March 2025, received all details the next morning, and the welcome kit was dispatched on 28/03/2025 - Delivered by 30/03/2025.

Welcome Kit Includes:
✅ HDFC New Platinum DC
✅ Passbook
✅ 5 Leaves Cheque Book

However, they sent the New Platinum DC by default, which is pretty useless!
Now, I need to request the Millennia DC, but the upgrade section still shows Platinum DC along with Millennia & Business DC.




Is the Millennia DC free with the Max Savings account?
I plan to use this as a semi-primary account after IDFC.
Any suggestions on how to speed up the pre-approved offer?
My main goal is to secure an HDFC core card (Regalia Gold or above) as LTF with a good limit.
Millennia will not be useful for me as I hold SBI CB, ICICI Apay, and FK Axis.

Update(31-03-2025): Applied the Millennia DC

Suggestions are welcome! Share your journey on how you received the offer or the process you followed to get it.
@kuchbhi @Mr. Bean @BVC @vaibhav111 @helloworld @Aniket

 

[helloworld]

Is the Millenia DC free with the Max Savings account?

Yes.

I plan to use this as a semi-primary account after IDFC.

Can use as primary too, except IDFC gives higher interest for idle amount

Any suggestions on how to speed up the pre-approved offer?

Usage with debit card (earlier its easy with credit card payments, now you have to find a way), transact netbanking transfers, and keep balance as high as possible.

My main goal is to secure an HDFC core card (Regalia Gold or above) as LTF with a good limit.

Regalia Gold LTF may not possible without your efforts. Anyway, first they'll offer u mb+, then millennia or can possible upto DCP. Once you got DCP may request to provide Regalia Gold. Otherwise, wait atleast an year and ask again. Directly Regalia Gold means ur profile should be solid (heavy payments, high MAB, etc.)

I'm not talking about high enough to get DCB/Infinia, just upto preferred MAB range.

Millenia will not be useful for me as I hold SBI CB, ICICI Apay, and FK Axis.

Just don't apply, If they call u convey ur interest, you never know that one lucky agent can help you!

Suggestions are welcome! Share your journey on how you received the offer or the process you followed to get it.

Journey of one of my friend:

- savings max
- frequent credit card payments with debit card
- got offer mb+ with limit 2.2L
- used heavily for 1 year (heavy = 20k which is max in mb+ to get highest 3.3% cashback) + frequent spend 50rs voucher on 1000rs. spends so helps to get extra 5%. for those 20k spends
- after 1 year requested for millennia upgrade, asked income proofs etc. couldn't share - closed the card.

card net 4% (spent 1.5L and got 6k cashback + amzn voucher) --> Yes, this is with Moneyback+

- waited another 8 months (frequent credit card payments with debit card)
- balance this time equal to classic
- got offer for DCP LTF with limit 1.1L (less limit than earlier)

 

[nh124001]

bhai.. agar travel related kharche hai.. toh hi..RG loo..varna cashback cards are more than sufficent

 

[prankster]

I'm in the same boat waiting for preapproved Regalia LTF. Opened account in April 2024. I had LTF offer for Millenia, DCP after 3 months of using the Plat dc. Right now have Marriot, Regalia as paid and Pixel LTF as preapproved. Even swiggy app started showing up it's card as LTF from last week but I don't want to start my HDFC CC journey with cobranded card. Anyways, good luck for your journey.

 

[Anupama_Jha]

All my cards are manually approved except Kotak League. I have very marginal experience with pre-approved offers. Hence I am also following this thread 😀

 

[Anindya98]

Yes.

I just applied for the Millennia DC.

 

[Anindya98]

bhai.. agar travel related kharche hai.. toh hi..RG loo..varna cashback cards are more than sufficent

I don't have a travel-centric card and already have three CB cards, so I'm aiming for the RG. If not, any other suitable option will work.

 

[Anindya98]

I don't want to start my HDFC CC journey with cobranded card.

Yes, I had a bad experience with a co-branded card. After getting a core card, I'll go for the HDFC Swiggy LTF.

 

[nh124001]

I don't have a travel-centric card and already have three CB cards, so I'm aiming for the RG. If not, any other suitable option will work.

if location is not an issue, better to wait for amex pt..

 

[kuchbhikuchbhi is verified member.]

Good move Hdfc mai acc hona hi chiye
Most people get millenia offer then DCP if not accepted millenia

But RG is difficult

Better method is when you are getting millenia visa/master take it (not diners) then wait for 1 more yr and you will get millenia upgrade to RG directly like I am getting right now (but not doing).

 

[Ak Singh]

Good move Hdfc mai acc hona hi chiye
Most people get millenia offer then DCP if not accepted millenia

But RG is difficult

Better method is when you are getting millenia visa/master take it (not diners) then wait for 1 more yr and you will get millenia upgrade to RG directly like I am getting right now (but not doing).

What should be minimum limit of millennia to get upgrade offer for RG?
Limit less than 1lac works?

 

[kuchbhikuchbhi is verified member.]

What should be minimum limit of millennia to get upgrade offer for RG?
Limit less than 1lac works?

Itna bhi asan nhi hai 😁

3L lim is necessary ig

 

[Anindya98]

if location is not an issue, better to wait for amex pt..

Amex Location issue

 

[nh124001]

Itna bhi asan nhi hai 😁

3L lim is necessary ig

RG ke liye itni mehnat.. bataoo..hdfc ke bhaav kuch jayda hi nahi baad gaye hai!!??

 

[nh124001]

Amex Location issue

hmm same here.. woh amex ka best banker bhai hai naa... shayad help krde..jabb start hoo..

 

[Ak Singh]

Itna bhi asan nhi hai 😁

3L lim is necessary ig

 

[Anindya98]

What should be minimum limit of millennia to get upgrade offer for RG?
Limit less than 1lac works?

1L- Millennia
3L - RG
5L - DCB Metal

 

[VISION]

I just applied for the Millennia DC.

is it ltf for max savings?

 

[Ak Singh]

is it ltf for max savings?

Yes ltf ig...

 

[cardio_guycardio_guy is verified member.]

This is awesome, congrats! I'm actually in a similar situation and I'll share my experience so far. I'm also aiming for RG LTF or higher.
Here's a rough timeline of my journey with HDFC:

• April 2023: Applied and got Tata Neu Plus FYF (Limit 86k)
• July 2023: Closed Neu Plus permanently (Because I wanted Infinity)
• November 2023: Applied and got Swiggy (Paid 500 JF + 500 AF, Limit: 1.25L)
• September 2024: Credit limit of Swiggy card increased to 1.52L
• October 2024: Applied and got Neu Infinity. (FYF, same limit, 1.52L)
• November 2024: Got both Neu and Swiggy converted to LTF
• December 2024: Opened HDFC salary account (Preferred variant)
• January 2025 onwards: Salary started crediting in HDFC account.
• March 2025: Limits of Neu Infinity and Swiggy enhanced to 7.53L (used these cards extensively in the last 2 months)
• As of today: March 31, 2025: Have the salary account and two cards.

As of what I think, HDFC issues cards under three heads:

• Core
• Floater
• Co-branded

They issue one core card as Core, and (maybe) one more (core card) as floater (based on eligibility), and then the co-branded cards.
(I have seen people here in TF with Infinia as Core and Biz Black as Floater). Pixel is out of this equation.

I am waiting, fingers crossed. So far I have not made any requests from my side. Will talk to RM after one month.
I am also waiting to see if they upgrade my Preferred to Imperia. But RM is saying it needs net salary of 3L+.
As the account gets older and with time, they may relax some requirements (I think).