I tried applying for my wife yesterday, she is already holding 3 cobranded plus one hdfc virtual rupay card, on payzapp homepage ( it was showing ltf), on card selection page, charges were mentioned, hence I dropped the application midway ( from card selection page) , raise grievance mail with hdfc yesterday, received response today to raise ticket on payzapp app, I have raised ticket on app today evening. I too have 4 hdfc credit cards but i won't apply for it as I have to split limit, which I am not willing to even if the card is ltf, as it will make it more difficult to get infinia in future.