RasteKaMaalSasteMein
TF Buzz
Hi,
I need help to decide if I should apply for Millenia or not and if yes, then how.
Mainly the answer to 'if' seems like a yes to me considering just the direct monetary benefits. But if you think otherwise, please let me know.
I currently don't hold any HDFC CCs, and have never activated any HDFC CCs (though have received one Business MoneyBack due to a mis-sell)
I opened a Classic savings account in the beginning of Oct, so only 2 months old account, maintaining an AMB of 25k+.
These are the options I currently have and know of:
This is my first post here, please help me get better and forgive me for any errors.
I tried researching similar issues, but found only this one somewhat relevant but not addressing my issue exactly: Similar thread
Also, if I'm better off not applying Millenia this way (as it's not LTF), then let me know. I currently have 7 cards (3 ICICI + 3 AXIS + 1 IDFC, ICICI has limit of 4.6L).
I need help to decide if I should apply for Millenia or not and if yes, then how.
Mainly the answer to 'if' seems like a yes to me considering just the direct monetary benefits. But if you think otherwise, please let me know.
I currently don't hold any HDFC CCs, and have never activated any HDFC CCs (though have received one Business MoneyBack due to a mis-sell)
I opened a Classic savings account in the beginning of Oct, so only 2 months old account, maintaining an AMB of 25k+.
These are the options I currently have and know of:
- Via Online Application Portal without staff details
I'm getting daily mails for a pre-approved Millenia, and the mail title also mentions a 1500 Amazon Voucher. This is the benefits I see on the portal for the card. I'm also seeing a Joining and Annual Fee of 1000.
I was thinking to take all the benefits as shown below (1k welcome benefit + 500 activation offer + 1500 Special Offer for NTB customer).
Please note the "(without any HDFC Bank staff assistance)" for the Special Offer.
I talked to a CC guy my RM referred, and he said you should put our code, as anyways you won't get all these voucher's, now bank is only offering 1k voucher on making 4 transactions in 30 days. This is one thing I would like to ask, if anyone has had experience with this.
My main motive here was to see if I can benefit my RM by adding his code without sacrificing on the benefits here.
- Via Online Application Portal with staff details
The same as above but if the statement of HDFC giving only 1k is true anyways, then I'll add the details of the RM. - Directly in branch via the staff who are also applying via the same portal
This is another option, doing the process via their link but I'm not sure about the rewards from this.
This is my first post here, please help me get better and forgive me for any errors.
I tried researching similar issues, but found only this one somewhat relevant but not addressing my issue exactly: Similar thread
Also, if I'm better off not applying Millenia this way (as it's not LTF), then let me know. I currently have 7 cards (3 ICICI + 3 AXIS + 1 IDFC, ICICI has limit of 4.6L).
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