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Should I Take Pre Approved DCP Or Wait For Millennia?

GTSaketh

TF Premier
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?
 
OP is embarassed with all your replies.
He must not, he deserves appriciation, even I am learning from his experience.

One thing am sure is, whoever is teaching me, or Can gain from his/her experience, I must be thankful from core of my heart and openly praise the things which I learnt from him. Doesn't matter how much younger or older master is.

"Gratitude"
 
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Reactions: LVJ
What were your previous cards thar were offered in the past in chronological order?
@GTSaketh
First offer LTF Swiggy, Moneyback+ and HDFC oil, but later Swiggy turned to paid. Now starting of March offers refreshed and I got DCP paid, then in a few days I am getting lifetime free card email where it shows only DCP card but LTF.
 
I thought he was being sarcastic, then I realised my mistake
For me, Millenia is better as SBI too has time and again rejected me for CB CC, hence Millenia/FK Axis (my first card)/Amz ICICI/Swiggy HDFC is in my PF of cashback cards.
DCP would be the ideal stepping stone for Regalia Gold & above, & is a decent card if offered LTF.
Lucky you, even my Millenia is paid 🙁
 
I'm holding Hdfc bank savings account
Variant = Savings max account
AMB= 25,000/-
Period = about 6 month
using it as my primary account
Also using there debit card and upi in daily basis...
still there is no any pre-approved credit card offer for me now...
Also checked netbanking. offer section as of 18/03/25
Don't know when to receive 🤔 ⁉️
 
I'm holding Hdfc bank savings account
Variant = Savings max account
AMB= 25,000/-
Period = about 6 month
using it as my primary account
Also using there debit card and upi in daily basis...
still there is no any pre-approved credit card offer for me now...
Also checked netbanking. offer section as of 18/03/25
Don't know when to receive 🤔 ⁉️
Seems they have mind mapping also.
They enjoy seeing people waiting for it.
 
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