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 Timeline
📅 31st March – Applied
📦 2nd April– Dispatched
📬 3rd April – Delivered



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
Check Post Number 31 by @Fini7777

 

[GTSaketh]

Take DCP then downgrade. Many have done this.

Will they give Millennia as LTF aswell when downgraded?

Also I heard they will also increase limit in future offers. Currently it's saying limit upto 96k. So i don't mind waiting a little bit.

 

[6ix9ine]

Will they give Millennia as LTF aswell when downgraded?

Obviously no, upgrades or downgrades are generally not LTF.

 

[roshan mothukuri]

My Journey with HDFC so far:

September 2023: Received the HDFC IRCTC credit card (limit: just Rs. 37K).

January 2024: Opened SavingsMax account. MAB/MQB till January 2025: 40K-2L (mostly on the higher side), used Plat DC for 40K-75K each month for CC payments only (always felt it would be suboptimal to use DC for other things when better CCs are available). Was using the account as a primary account (NB, UPI transactions).

June 2024: Closed the IRCTC HDFC card due to low limit, no LEs despite high usage, and the core/co-branded policy of HDFC.

June 2024: Account enrolled into Classic banking.

End of January 2025: No pre-approved offers yet. Had very poor customer service experience with HDFC over the year. Decided it's not worth holding the account.

Start of February 2025: Transferred the balance to another account, stopped using the account completely (Balance in the account since then: ~Rs. 500). Approached the nearest branch for account closure but was asked to visit the home branch, which is in my hometown. Called RM, he too said I will have to visit the branch.

19th March: For the first time, received a pre-approved CC offer: DCP LTF with upto 1.8L limit (They have really given 1.8L limit). Took it considering all I want is just any core HDFC card. With SBI CB, ICICI Amazon and Axis FK cards, Millennia doesn't add much value for me.

Last week: Managed to visit the home branch in my howetown and closed the account.

hi,
if hdfc Savings account closed
credit card remains active or it also get close?????

 

[Anindya98]

credit card remains active or it also get close?????

Remains Active no link with SB closure.

 

[kiwi195]

hi,
if hdfc Savings account closed
credit card remains active or it also get close?????

It remains active. there's no link apart from customer ID

 

[Sourabh_13]

hi,
if hdfc Savings account closed
credit card remains active or it also get close?????

The card is active.

 

[Piyush Yadav]

@Anindya98

I am sharing here the three different Journeys - three different possibilities​

1. My Mother’s Credit Card Journey​

• Started with HDFC Classic Banking (Primary Acc Holder in the Group) in 2021 with a ₹5L FD.
• Within a month, she received a Biz MB CC with a ₹50K limit.
• Used the card occasionally and received frequent LEs
• After a year (2023), she received an offer for a FYF Business Regalia(3L). Though not the best option, she took it.
• Used the Biz Regalia rarely and later requested an LTF conversion through the RM and customer care both refused.
• Decided to downgrade the Biz Regalia to Millennia FYF via email. After spending ₹1L, she requested an LTF conversion, which was approved.
• In 2024, she received a ₹5L LE and an upgrade offer to Regalia Gold (RG) FYF. Waited for a month, and the offer refreshed to Regalia Gold LTF, which she availed.
• She didn't spend much on any card and did not reach the fee waiver condition
• Final Journey: Biz Moneyback → Biz Regalia → Millennia → Regalia Gold LTF

2. My Credit Card Journey​

• Started with HDFC Preferred Banking (No FD) in 2023. (Joined as member in Group)
• Received a pre-approved MB+ FYF with a ₹75K limit.
• Later applied for Swiggy FYF and maintained a decent balance but without an FD.
• Sent multiple emails for LTF conversion, but no luck. No LEs either.
• Closed both cards and waited a few months.
• In 2024, applied for TNI FYF and got a ₹1.8L limit.
• Spent around ₹3L and requested an LTF conversion, but it was denied.
• Every time I reached the fee waiver condition
• 3-4 months later, upgraded TNI to Millennia FYF and currently using it.

3. My Cousin’s Credit Card Journey​

• Started with HDFC Preferred Banking in 2024 with a ₹10L FD.(Not a primary acc holder)
• Maintained only ₹10K in the savings account, didn’t use the debit card, and had no significant transactions.
• Exactly 3 months after the account opening, he received a pre-approved Swiggy LTF with a ₹3L limit.

My Advice​

1. Don't apply for any basic cards until you get the one you truly want. It may take some time.
2. Start with Millennia/DCP FYF/LTF, ensuring a minimum limit of ₹1.5L.
3. Make it your primary card and use it as much as possible.
4. Wait with patience; they will offer some useless cards or LEs like I mentioned in my experience , Don't avail any such offers
5. SavingsMax may not be helpful; upgrade to Classic if you can.

I also have savingsmax..
Using it an primary account also use there platinum debit card frequently for pre-approved offer of credit card.... Maintaining it with above 1 lakh.. There is about 6 month to go still there is no any offer in netbanking/email/sms

1. if you're the primary account holder in ur family group chances of getting premium cards as LTF is very high.

 

[Fini7777]

I also have savingsmax..
Using it an primary account also use there platinum debit card frequently for pre-approved offer of credit card.... Maintaining it with above 1 lakh.. There is about 6 month to go still there is no any offer in netbanking/email/sms

Have u tried applying through paytm, Swiggy, or Tata neu app

I'd suggest u apply for HDFC core cc from paytm or swiggy cc or TNI/TNP from tata neu
after getting the card wait for 6 months and upgrade to Millennia or any other core cards depending on ur limit on existing CC

Good luck

 

[Fini7777]

Also check out this thread

Thread 'HDFC Pre approved Credit Card Application URL - Decoded...'

Jul 4, 2023

This thread is in continuation to my previous thread

My Previous thread is here:

HDFC CC Pre Apporved Offer - CIBIL Hit or Not -- Decoded( I think)...

Note: There is a follow up thread to this thread i.e. URL Decoding. That next thread is here: https://www.technofino.in/community/threads/hdfc-pre-approved-credit-card-application-url-decoded.14749/...

www.technofino.in

URL Decoding - HDFC Card Applcation :​

Disclaimer: This is going to be a very lengthy post. The intention is to make sure even a newbie can understand and hence less follow up questions. Experts please bear with me...

(These examples could have diffferent values for different customers in different scenarios., hence the values could be dynamic. This is to give us more...

• SSV
• hdfc pre approved offer
• Replies: 253
• Forum: HDFC Bank Credit Card

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[Piyush Yadav]

Have u tried applying through paytm, Swiggy, or Tata neu app

I'd suggest u apply for HDFC core cc from paytm or swiggy cc or TNI/TNP from tata neu
after getting the card wait for 6 months and upgrade to Millennia or any other core cards depending on ur limit on existing CC

Good luck

Means...
I don't wait for pre-approved offer I'm right.. ⁉️

 

[Piyush Yadav]

Have u tried applying through paytm, Swiggy, or Tata neu app

No, only once there is an credit card executive in branch who can check it..
From my side currently not.. 😊
Will i apply through it or wait for pre-approved offer ⁉️

I'd suggest u apply for HDFC core cc from paytm or swiggy cc or TNI/TNP from tata neu
after getting the card wait for 6 months and upgrade to Millennia or any other core cards depending on ur limit on existing CC

Good luck

 

[Fini7777]

No, only once there is an credit card executive in branch who can check it..
From my side currently not.. 😊
Will i apply through it or wait for pre-approved offer ⁉️

Wait for pre approved offer
If possible upgrade to classic banking

 

[Piyush Yadav]

Wait for pre approved offer
If possible upgrade to classic banking

Ohkk I'm waiting..