Opening Multiple Bank Accounts

[Trust Me]

With SavingsMax, from what I know, Millennia DC is LTF too. Others, please correct me if I am wrong.

HDFC
Documentation on website doesnt show anything as such for LTF Millennia with the SavingsMax. Not sure if ES Platinum which is LTF can be converted to LTF Millennia.

Any DC having a fee upto the entitlement (Platinum in this case) is LTF, -- So, Millennia qualifies.

I had successfully argued on this ground to get Millennia LTF myself even before I saw any written confirmation to this effect from HDFC, -- which I also managed to find later online.

Unfortunately, I don't have access to that written document from HDFC right now since I am travelling. -- So you could either search online for it yourself, or take my word for it believing my username. 🙂
.

 

[Fini7777]

I'm also holding this savings account from last 6 month like about September 2024 to April 2025... maintained it with above 1 lakh... 💵
Using this as a primary account...
to get pre-approved offer of core credit card..💳
Also make there debit card transactions frequently...
Unfortunately, still there is no any pre-approved offer for me till the date don't know when to get it...
Can you suggest something,. to get there offer fast 😊 ⁉️
Note = i fill my occupation details as a salary person is this get effect?

SavingsMax?
Do u have any existing other bank credit cards?
if u have any other bank cc and a good credit profile u should get one

Try applying for their core cards via Paytm - easiest way
or by clicking the credit card banners in net banking. Don't actually submit the application just leave it incomplete.
This way, you show interest in their credit cards, and it might trigger a pre-approved offer for you in the future.

for salaried they'll ask inc docs if u apply manually via HDFC website so, wait for pre approved offer, the time duration for getting pre-approved offer varies person to person

I'm planning to open an account in ICICI to get there pre-approved core card offer...
Is it worth for me..
my only motive is.. to get AMAZON PAY ICICI CREDIT CARD 💳 mine got rejected 2 times now there is an cooling period of 6 month ☹️
Do suggest something to get amazon pay icici credit card easily...

Not recommended. You can get the ICICI Amazon Pay card without having an ICICI account, but make sure your credit history is good (credit age, payment history).
Try applying again after 6 months—you might get it then.

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

Apr 3, 2025

@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...

• Fini7777

• 
• 

 

[Piyush Yadav]

SavingsMax?
Do u have any existing other bank credit cards?
if u have any other bank cc and a good credit profile u should get one

Yes I'm holding 4 cards
Induslnd Legend ( 1 Lkh)
IDFC first Millenia ( 45k)
IDFC first power plus ( 45k share limit add on)
SBI cashback ( 20k 😔) any tips to increase this❓
CIBIL = 774 ( March 25)
Credit age = 1 year 4 month

Try applying for their core cards via Paytm - easiest way
or by clicking the credit card banners in net banking.

Actually in December 24... i visit branch there is an credit card agent of hdfc. They ask me that i should check your pre-approved offer.. I make a statement ok.... I already checked in netbanking that time but there is no any offer showing there...
then they check something from there end and said to me that there is no any pre-approved offer.. I also share my otp to them... And after that i get a message from cibil union that my cibil was checked... And there is an enquiry of hdfc credit card on Dec 24.. Is this effect my cibil also is this can effect my pre-approved time ❓

Don't actually submit the application just leave it incomplete.
This way, you show interest in their credit cards, and it might trigger a pre-approved offer for you in the future.

I can't understand how make it incomplete..
Can i submit i otp to that ⁉️

for salaried they'll ask inc docs if u apply manually via HDFC website so, wait for pre approved offer, the time duration for getting pre-approved offer varies person to person

Hmm that's the reason why I'm using there savingsmax account only for pre-approved...
But somewhere in community i read that savingsmax is not enough for this i switch to classic savings account variant for pre-approved... (MQB = 1 lakh. Classic banking)

Not recommended. You can get the ICICI Amazon Pay card without having an ICICI account, but make sure your credit history is good (credit age, payment history).
Try applying again after 6 months—you might get it then.

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

Apr 3, 2025

@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...

• Fini7777

• 
• 

Thnx for suggestion.. 😊
Don't even know after 6 month should i get it or not very typical to get AMAZON PAY ICICI CREDIT CARD
Credit age = 1 year 4 month
Highest limit of card 1 lakh
Payment history = this will always in time never in out of date

 

[Fini7777]

Yes I'm holding 4 cards
Induslnd Legend ( 1 Lkh)
IDFC first Millenia ( 45k)
IDFC first power plus ( 45k share limit add on)
SBI cashback ( 20k 😔) any tips to increase this❓

😅 😅 Many ppl here got the same limit, try to use the card as much as u can and wait for LE they usually increase limit for every 6 months.

CIBIL = 774 ( March 25)
Credit age = 1 year 4 month

Actually in December 24... i visit branch there is an credit card agent of hdfc. They ask me that i should check your pre-approved offer.. I make a statement ok.... I already checked in netbanking that time but there is no any offer showing there...
then they check something from there end and said to me that there is no any pre-approved offer.. I also share my otp to them... And after that i get a message from cibil union that my cibil was checked... And there is an enquiry of hdfc credit card on Dec 24.. Is this effect my cibil also is this can effect my pre-approved time ❓

1 or 2 enquiries in a month will not effect ur credit score and pre approved offer

I can't understand how make it incomplete..
Can i submit i otp to that ⁉️

Enter OTP, fill all the details and check the offered cards - if u r lucky the cards will directly appear and no docs required
sometimes, before they offer cards to u they ask for inc docs - leave the application (Incomplete application)

Hmm that's the reason why I'm using there savingsmax account only for pre-approved...
But somewhere in community i read that savingsmax is not enough for this i switch to classic savings account variant for pre-approved... (MQB = 1 lakh. Classic banking)

if u can then it's a good move to switch to classic banking but there's no assurance on CC approval just the chances will be increased if u upgrade to classic

Thnx for suggestion.. 😊
Don't even know after 6 month should i get it or not very typical to get AMAZON PAY ICICI CREDIT CARD
Credit age = 1 year 4 month
Highest limit of card 1 lakh
Payment history = this will always in time never in out of date

My father has similar profile with 782 cibil score but he couldn't get ICICI Apay cc due to low credit history of 1.5 yrs
here there's no trick, you've to apply after 6 months
AFAIK, opening ICICI account will not help u much - Any other experts in this matter may confirm this

 

[Mr. BeanMr. Bean is verified member.]

AFAIK, opening ICICI account will not help u much - Any other experts in this matter may confirm this

Not an expert, but can confirm that opening itself will not help. A lot more factors are in play. Regular (high value) transactions (in SB account if opened), purchase history in Amazon, ITR, employed or self-employed, etc.

I didn't have SB account with ICICI when I applied and got approved (but had regular high value purchases in Amazon, credit history of 9 years, CIBIL of 790+ with just 2 CCs from Axis).

In general, there is a slowdown in CC approvals across the industry. So, that would have added to the rejection.

 

[Fini7777]

Not an expert, but can confirm that opening itself will not help. A lot more factors are in play. Regular (high value) transactions (in SB account if opened), purchase history in Amazon, ITR, employed or self-employed, etc.

I didn't have SB account with ICICI when I applied and got approved (but had regular high value purchases in Amazon, credit history of 9 years, CIBIL of 790+ with just 2 CCs from Axis).

In general, there is a slowdown in CC approvals across the industry. So, that would have added to the rejection.

yes, currently the approval rate especially for ICICI Apay is low
I don't have any ICICI SB acc but acquired this card a yr ago with good limit

 

[Piyush Yadav]

😅 😅 Many ppl here got the same limit, try to use the card as much as u can and wait for LE they usually increase limit for every 6 months.

1 or 2 enquiries in a month will not effect ur credit score and pre approved offer


Enter OTP, fill all the details and check the offered cards - if u r lucky the cards will directly appear and no docs required
sometimes, before they offer cards to u they ask for inc docs - leave the application (Incomplete application)

if u can then it's a good move to switch to classic banking but there's no assurance on CC approval just the chances will be increased if u upgrade to classic

My father has similar profile with 782 cibil score but he couldn't get ICICI Apay cc due to low credit history of 1.5 yrs
here there's no trick, you've to apply after 6 months
AFAIK, opening ICICI account will not help u much - Any other experts in this matter may confirm this

Thnx only one ques...
What's that AFAIK stand for 😂

 

[Piyush Yadav]

Not an expert, but can confirm that opening itself will not help. A lot more factors are in play. Regular (high value) transactions (in SB account if opened), purchase history in Amazon, ITR, employed or self-employed, etc.

I didn't have SB account with ICICI when I applied and got approved (but had regular high value purchases in Amazon, credit history of 9 years, CIBIL of 790+ with just 2 CCs from Axis).

In general, there is a slowdown in CC approvals across the industry. So, that would have added to the rejection.

Now waiting is only option for me ☹️

 

[Fini7777]

Thnx only one ques...
What's that AFAIK stand for 😂

As far as I know