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]

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.

 

[Piyush Yadav]

Seems they have mind mapping also.
They enjoy seeing people waiting for it.

Hmm i also think....
Is regularly checking offer can lead to more days 🤔 🤔

 

[hender]

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 🙁

Don't worry HDFC is very generous.👇

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....

Look at - Water 🌊 of the Ocean,
HDFC special -

 

[SSV]

Hmm i also think....
Is regularly checking offer can lead to more days 🤔 🤔

Nothing like that ..

 

[SSV]

I

It says limit upto 96000

You will most likely get around that limit ..

 

[SSV]

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 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.

So, basically it comes down to how desparate you are to get a HDFC card..
Remember one thing, HDFC only cares until you are a HDFC virgin.. Once you are into their system, then it is very hard to get upgrades/ LEs unless you have a very good inocme doc and / or Exellent spends... even then it is not guaranteed.

Pros and cons of taking this offer.

1) Taking this offer.. means you get not bad card, but updgrades from here purely depend on your spends and / or income docs.. Take the offer if you really need a HDFC card now and your spend pattern should suit this card's reward benefits..

2) Not taking offer: you may have to wait for upto another year to get Millennia but you would definitley get Millennia with better LE .. but it requires a lot of patience and also increase your spends on HDFC DC .. I had given you a lot of things to do to get a better offer before quite a few times , I guess .. keep doing that more aggressively you will surely get a better card with better LE.
DO you believe you got upto here by following a few things I mentioned before?? If so, wait for another year..
but if you really require a HDFC card now then take this .. it is much much better than Money Back + card.

all the best

 

[GTSaketh]

So, basically it comes down to how desparate you are to get a HDFC card..
Remember one thing, HDFC only cares until you are a HDFC virgin.. Once you are into their system, then it is very hard to get upgrades/ LEs unless you have a very good inocme doc and / or Exellent spends... even then it is not guaranteed.

Pros and cons of taking this offer.

1) Taking this offer.. means you get not bad card, but updgrades from here purely depend on your spends and / or income docs.. Take the offer if you really need a HDFC card now and your spend pattern should suit this card's reward benefits..

2) Not taking offer: you may have to wait for upto another year to get Millennia but you would definitley get Millennia with better LE .. but it requires a lot of patience and also increase your spends on HDFC DC .. I had given you a lot of things to do to get a better offer before quite a few times , I guess .. keep doing that more aggressively you will surely get a better card with better LE.
DO you believe you got upto here by following a few things I mentioned before?? If so, wait for another year..
but if you really require a HDFC card now then take this .. it is much much better than Money Back + card.

all the best

Well, the only reason I want to get DCP now is so i can get HDFC Swiggy LTF offer i have from Swiggy App.

If one can assure that LTF offer won't expire in Swiggy App I don't mind waiting an year for millennia with higher limit