Should I Take Pre Approved DCP Or Wait For Millennia?

[GTSaketh]

Hello, I opened digisave account around 8 months ago. I am getting LTF DCP pre approved offer. But I am not sure whether to get it or wait for millennia. The reason I can't wait is, I have HDFC Swiggy LTF offer in Swiggy App(which is the card i actually want) But waiting to get core card before getting Swiggy Card. Now I am afraid the LTF offer might change in Swiggy App.

I feel like DCP won't be useful for me apart from core card offers. Since I don't travel much. Also afraid of acceptance, especially I heard Razorpay doesn't accept Diners. But most websites use Razorpay. Imagine a website offers core card offers on HDFC cards, but not able to use it.

Also, I would like to know is it possible to upgrade to core cards like Millennia or Regalia Gold From DCP in future?

 

[AkashnAkashn is verified member.]

Better wait for next quarter

 

[GTSaketh]

Better wait for next quarter

Any Particular Reason?

 

[rogerthat]

Hello, I opened digisave account around 8 months ago. I am getting LTF DCP pre approved offer. But I am not sure whether to get it or wait for millennia. The reason I can't wait is, I have HDFC Swiggy LTF offer in Swiggy App(which is the card i actually want) But waiting to get core card before getting Swiggy Card. Now I am afraid the LTF offer might change in Swiggy App.

I feel like DCP won't be useful for me apart from core card offers. Since I don't travel much. Also afraid of acceptance, especially I heard Razorpay doesn't accept Diners. But most websites use Razorpay. Imagine a website offers core card offers on HDFC cards, but not able to use it.

Also, I would like to know is it possible to upgrade to core cards like Millennia or Regalia Gold From DCP in future?

HDFC considers DCP higher than Millennia (Moneyback > Millenia > DCP > Regalia Gold > DCB > Infinia). DCP is their primary entry level offering as LTF with all salary and non-vanilla accounts with good transactions. I suggest you take it, wait for a couple of months and ask for a change to Regalia Gold citing acceptance issues. Collect all your non-accepting websites info and use it while applying. They will comply. I have experience doing so. Though it will be issued as FYF and not LTF.

Also, you will hardly face any offline acceptance issues with Diners. Only some old POS machines do not accept it. Online is a different case, of course. All the common big branded portals (Amazon, FK, Myntra, BMS, Swiggy etc.) with their propreitory payment gateways accept it. However small independent websites running third-party branded Payment Gateways (Razorpay, Atom, PayU etc.) usually do not accept Diners. However, if HDFC is running a promo, those PGs will accept it without fail.

 

[AkashnAkashn is verified member.]

Any Particular Reason?

New quarter. Offers might refresh.

 

[praful47]

Hello, I opened digisave account around 8 months ago. I am getting LTF DCP pre approved offer. But I am not sure whether to get it or wait for millennia. The reason I can't wait is, I have HDFC Swiggy LTF offer in Swiggy App(which is the card i actually want) But waiting to get core card before getting Swiggy Card. Now I am afraid the LTF offer might change in Swiggy App.

I feel like DCP won't be useful for me apart from core card offers. Since I don't travel much. Also afraid of acceptance, especially I heard Razorpay doesn't accept Diners. But most websites use Razorpay. Imagine a website offers core card offers on HDFC cards, but not able to use it.

Also, I would like to know is it possible to upgrade to core cards like Millennia or Regalia Gold From DCP in future?

What was your spending pattern and AMB ?

 

[GTSaketh]

What was your spending pattern and AMB ?

I pay credit card bills with my debit card every month below 10k usually as I am just student. I maintain mostly 10k. Last 3 months i maintained 50k.

My total credit and debit until now is 4,70,000( both of them - not combined)

 

[praful47]

I pay credit card bills with my debit card every month below 10k usually as I am just student. I maintain mostly 10k. Last 3 months i maintained 50k.

My total credit and debit until now is 4,70,000( both of them - not combined)

Ok ok .

 

[LVJ]

Take pre-approved LTF DCP now. After a few months, you may apply for Millennia offline. Easy to get for your spending pattern.

 

[LVJ]

HDFC considers DCP higher than Millennia (Moneyback > Millenia > DCP > Regalia Gold > DCB > Infinia). DCP is their primary entry level offering as LTF with all salary and non-vanilla accounts with good transactions. I suggest you take it, wait for a couple of months and ask for a change to Regalia Gold citing acceptance issues. Collect all your non-accepting websites info and use it while applying. They will comply. I have experience doing so. Though it will be issued as FYF and not LTF.

Also, you will hardly face any offline acceptance issues with Diners. Only some old POS machines do not accept it. Online is a different case, of course. All the common big branded portals (Amazon, FK, Myntra, BMS, Swiggy etc.) with their propreitory payment gateways accept it. However small independent websites running third-party branded Payment Gateways (Razorpay, Atom, PayU etc.) usually do not accept Diners. However, if HDFC is running a promo, those PGs will accept it without fail.

I roger that.

 

[hender]

I pay credit card bills with my debit card every month below 10k usually as I am just student. I maintain mostly 10k. Last 3 months i maintained 50k.

My total credit and debit until now is 4,70,000( both of them - not combined)

So Humble 🥳

Just Student: Acedmic​

Premier: TF Community​

DCP LTF: HDFC​

What else any would expect Out of Student life ...

 

[GTSaketh]

So Humble 🥳

Just Student: Acedmic​

Premier: TF Community​

DCP LTF: HDFC​

What else any would expect Out of Student life ...

Anything wrong with it? 🥲

 

[hender]

Anything wrong with it? 🥲

Come on Man, it's a proud moment, Salute to you...

 

[GTSaketh]

Come on Man, it's a proud moment, Salute to you...

I was hesitant to post this expecting these kind of comments. But I just wanted to know why

 

[hender]

Come on Man, it's a proud moment, Salute to you...

You not only know , but achieved that level, even many still dreaming to get...
How well you are organising yourself.
Even when I read first, thought came in mind, May be you have a very good salary relationship kind of thing with HDFC...

 

[hender]

I was hesitant to post this expecting these kind of comments. But I just wanted to know why

I don't know much about you, but, I will tell you my story -
Previously had Salary Account with-
1-UTI(now Axis)
2-HDFC
3-Citi
4-ICICI
I do have 1 Money Back Card...
End 🔚.

Shall I elaborate more....

 

[hender]

I was hesitant to post this expecting these kind of comments. But I just wanted to know why

And 1 more award to you, by your last reaction, TF gave me Ace title.

 

[GTSaketh]

I don't know much about you, but, I will tell you my story -
Previously had Salary Account with-
1-UTI(now Axis)
2-HDFC
3-Citi
4-ICICI
I do have 1 Money Back Card...
End 🔚.

Shall I elaborate more....

Damn, me and my cousin brother(has job) both opened savings accounts around 8 months ago at the same time. Both of us are getting pre approved of LTF DCP.
May be classic banking helped me for offers.
And he had savings max account.
He doesn't do any transactions apart from maintaing AMB.
I don't even Maintain balance required for Classic which is 1L. But I just pay all my credit bills with HDFC debit card.

 

[LVJ]

And 1 more award to you, by your last reaction, TF gave me Ace title.

OP is embarassed with all your replies.

 

[hender]

Damn, me and my cousin brother(has job) both opened savings accounts around 8 months ago at the same time. Both of us are getting pre approved of LTF DCP.
May be classic banking helped me for offers.
And he had savings max account.
He doesn't do any transactions apart from maintaing AMB.
I don't even Maintain balance required for Classic which is 1L. But I just pay all my credit bills with HDFC debit card.

That's really nice 👍