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kuchrm

kuchrm

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I am getting this HDFC swiggy card LTF.

My cibil is 754 which is 2 month old and 6 hard enquiries on my cibil and one secured card and Amazon pay later. I also have an savings account with HDFC. Is there any chances I can get , I am still a student and through some earings and allowance I get 30K per month.
 
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kuchrm said:
I am getting this HDFC swiggy card LTF.

My cibil is 754 which is 2 month old and 6 hard enquiries on my cibil and one secured card and Amazon pay later. I also have an savings account with HDFC. Is there any chances I can get , I am still a student and through some earings and allowance I get 30K per month.
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You may get it easily but ut would be difficult to get Core Card later like Moneyback + , Millennia etc.
 
You have 6 enquiries already in 2 months. Bro slow down. Use the fd card for atleast a year, then apply for any unsecured card.
 
Last edited:
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6ix9ine said:
Get a core card first, these co-branded cards are very easy to get later in future, that too LTF.
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Which one is easy to get now considering my current situation, I have hdfc savings from a month and a SBI savings account with 6 years.
 
hitirfan said:
You may get it easily but ut would be difficult to get Core Card later like Moneyback + , Millennia etc.
Click to expand...
Which one is easy to get now considering my current situation, I have hdfc savings from a month and a SBI savings account with 6 years.
 
kuchrm said:
Which one is easy to get now considering my current situation, I have hdfc savings from a month and a SBI savings account with 6 years.
Click to expand...
HDFC Swiggy will be easy to get. But ut would be better to wait for sometime till u get pre-approved offer of a Core Card. Moneyback+ or Millennia.
HDFC may offer LTF cards in March, 2025 due to end of financial year targets.
 
hitirfan said:
HDFC Swiggy will be easy to get. But ut would be better to wait for sometime till u get pre-approved offer of a Core Card. Moneyback+ or Millennia.
HDFC may offer LTF cards in March, 2025 due to end of financial year targets.
Click to expand...
Oh I see..
 
hitirfan said:
HDFC Swiggy will be easy to get. But ut would be better to wait for sometime till u get pre-approved offer of a Core Card. Moneyback+ or Millennia.
HDFC may offer LTF cards in March, 2025 due to end of financial year targets.
Click to expand...
Ok but I have a hard enquiry of hdfc in nov 24 of tata neu card which was rejected, will they offer me card on March 25 , but is 6 months cool down period is necessary between two different variants of card with same bank ?
 
kuchrm said:
Ok but I have a hard enquiry of hdfc in nov 24 of tata neu card which was rejected, will they offer me card on March 25 , but is 6 months cool down period is necessary between two different variants of card with same bank ?
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Not necessary. Once you get Card from HDFC Bank, you won't be easily able to apply for any other card from HDFC site, but you can get from third party sites like Tata Neu, Swiggy, Paytm etc.

I got online rejection in February, 2024 then applied offline in March which was approved. Then got Swiggy Card from Swiggy App in July, 2024
 
hitirfan said:
Not necessary. Once you get Card from HDFC Bank, you won't be easily able to apply for any other card from HDFC site, but you can get from third party sites like Tata Neu, Swiggy, Paytm etc.

I got online rejection in February, 2024 then applied offline in March which was approved. Then got Swiggy Card from Swiggy App in July, 2024
Click to expand...
Ok then I think I have to wait till March 2025. And which card did you got approved on Feb. And can please tell me the name of core cards of HDFC.
 
kuchrm said:
Ok then I think I have to wait till March 2025. And which card did you got approved on Feb. And can please tell me the name of core cards of HDFC.
Click to expand...
I got HDFC IOCL Card. I didn't knew then about getting Core card first. Now I'm unable to get core card.

Core Cards are Freedom then Moneyback+ which is better than Freedom then Millenia, which is very good.

You should aim at Millennia. In case you don't get that card then get Moneyback+ and upgrade that in future.

Co-branded card Tata Neu plus/ Infinity are very good. HDFC Swiggy also very good.
 
hitirfan said:
I got HDFC IOCL Card. I didn't knew then about getting Core card first. Now I'm unable to get core card.

Core Cards are Freedom then Moneyback+ which is better than Freedom then Millenia, which is very good.

You should aim at Millennia. In case you don't get that card then get Moneyback+ and upgrade that in future.

Co-branded card Tata Neu plus/ Infinity are very good. HDFC Swiggy also very good.
Click to expand...
Ok thank you for your reply. I will try to get millennia.
 
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