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I have a salary account with HDFC and no credit card so far. Just saw emails offering Freedom card as LTF but I prefer Millenia (at least). Should I apply for this freedom and try for upgrades or wait for Millenia LTF? Any suggestions please! Also my net pay is 1.5+L per month so can it be upgraded to Preferred banking program and then expect Millenia CC LTF?
 
Hi, everyone, after 1 month of back and forth emails, HDFC increased the limit by 50K, not great but good enough for now, but in case if I were to get regular LE offer, will it be available 6 months from now, or will I be eligible anytime and it doesn't matter ?
 
I have a salary account with HDFC and no credit card so far. Just saw emails offering Freedom card as LTF but I prefer Millenia (at least). Should I apply for this freedom and try for upgrades or wait for Millenia LTF? Any suggestions please! Also my net pay is 1.5+L per month so can it be upgraded to Preferred banking program and then expect Millenia CC LTF?
I suggest wait for better offers.
Upgrade is hard with hdfc
 
Also getting an upgrade offer on regalia first LTF to MILLENNIA FYF. Don't think it is worth. Any takes on this? I mainly use amex and bonvoy over this. But it is my oldest card with over 6 years.
 
No credit limit nor upgrade offer for me 🙁

Sad Zoom GIF
 
I was saying it's not worth upgrading to Metal if you have a DCB LTF already.
My relative is having DCB LTF (and stuck for long years in this) along with Tata neu infinity LTF and Swiggy LTF.
His wife is getting Millennia card LTF because of banking relationship though she is already using the DCB addon card of her husband. She doesn't have any CIBIL rating.
Their total spending is not too high (max 6 lakhs in an year) Do u think getting millennia would be for any use or they can try negotiating for another card which can compliment DCB or better in some circumstances)
Can someone suggest?
 
I have a salary account with HDFC and no credit card so far. Just saw emails offering Freedom card as LTF but I prefer Millenia (at least). Should I apply for this freedom and try for upgrades or wait for Millenia LTF? Any suggestions please! Also my net pay is 1.5+L per month so can it be upgraded to Preferred banking program and then expect Millenia CC LTF?
Get into preferred banking first, then take RM's help to apply cc offline, you should easily get regalia gold ltf.
 
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