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?

 

[hender]

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"

 

[GTSaketh]

Also, I would like to know what's the cooldown for applying Swiggy card in Swiggy App after getting core card

 

[theMessiah]

How much limit are you getting?

 

[GTSaketh]

How much limit are you getting?

I don't think I can see it?

 

[SSV]

What were your previous cards thar were offered in the past in chronological order?
@GTSaketh

 

[GTSaketh]

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.

 

[Ra.One]

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

chill maar bhai
henderva bhai was just astonished that you, as a student were offered DCP, whereas he and many others are stuck with Moneyback or Millenia (me too).
Strange are the ways of HDFC

 

[GTSaketh]

chill maar bhai
henderva bhai was just astonished that you, as a student were offered DCP, whereas he and many others are stuck with Moneyback or Millenia (me too).
Strange are the ways of HDFC

I thought he was being sarcastic, then I realised my mistake

 

[Ra.One]

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 🙁

 

[Piyush Yadav]

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 🤔 ⁉️

 

[theMessiah]

I don't think I can see it?

You might be able to see it in the offers page in netbanking. I also got this offer yesterday but it is paid.

 

[GTSaketh]

I

You might be able to see it in the offers page in netbanking. I also got this offer yesterday but it is paid.

It says limit upto 96000

 

[hender]

chill maar bhai
henderva bhai was just astonished that you, as a student were offered DCP, whereas he and many others are stuck with Moneyback or Millenia (me too).
Strange are the ways of HDFC

Liked the rhythm "henderva bhai" 🥳🥳.
Reminded me of AB's
"Eer bir patte"

 

[hender]

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.