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

Roadmap to HDFC CC Pre Approved Offers New

Anindya98

TF Legend
VIP Lounge
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.

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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

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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
 
Last edited:
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

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.
 
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
 
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