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Subject: How to get Credit Card against HDFC (saving max) savings account?
I am unemployed from last 10 years, earlier I worked as system admin in company like HCL, IBM.But due to some family reasons, I leave NCR and do farming in my village. I have 8 hectares of land but all is in my father's name. I have no source of income to show. I also do not have any CIBIL record/score as I have not taken any loan or credit card till date. Only 6.8 lakh loan taken from LIC is going on in my name but it is secured loan taken on my LIC policy so it has nothing to do with CIBIL score because a lot of my money is already with LIC from which loan is given.
On someone's suggestion, I opened a Savings Max Account (Product Code 193) in HDFC Bank on January 25, 2023, in which I have to maintain MAB 25000. From the time of account opening till 22/04/23, I have maintained minimum balance of around 5lakh+ and cumulative transactions (credit+debit) is 45lakh+.
So I want to know will HDFC offer me credit card without any source of income?
I am getting offers for pre approved Amazon co branded cards on HDFC's mobile app and netbanking platform. Once I checked eligibility online, it was told online that "Sorry you are not eligible" so I stopped there but within 15 minutes I got a call from HDFC and Shetold that "You are eligible for Millennia card but I am still can't apply for you card from here because your area pincode is not being taken by the system. If you contact the bank you will get the card easily". So I called the RM in the bank, he checked and told that you have not received any card offer yet and you will need salary slip / source of income etc in the card offer which is currently showing.
So I want to know from all of you that how can I get credit card without any FD. Note: IDBI Bank gives credit cards (Lumine/Eclate) against LIC policy but I am not interested in these cards.
Will call it some charisma or coincidence that while I am typing this post, I have received this SMS from HDFC "Dear Bhanu, Being a privileged HDFC Bank customer, you can now opt for a Business Credit Card to cater to all your business needs -without any documentation.
Check here: hdfcbk.ioxxxx xxxx xxxxx"
I am unemployed from last 10 years, earlier I worked as system admin in company like HCL, IBM.But due to some family reasons, I leave NCR and do farming in my village. I have 8 hectares of land but all is in my father's name. I have no source of income to show. I also do not have any CIBIL record/score as I have not taken any loan or credit card till date. Only 6.8 lakh loan taken from LIC is going on in my name but it is secured loan taken on my LIC policy so it has nothing to do with CIBIL score because a lot of my money is already with LIC from which loan is given.
On someone's suggestion, I opened a Savings Max Account (Product Code 193) in HDFC Bank on January 25, 2023, in which I have to maintain MAB 25000. From the time of account opening till 22/04/23, I have maintained minimum balance of around 5lakh+ and cumulative transactions (credit+debit) is 45lakh+.
So I want to know will HDFC offer me credit card without any source of income?
I am getting offers for pre approved Amazon co branded cards on HDFC's mobile app and netbanking platform. Once I checked eligibility online, it was told online that "Sorry you are not eligible" so I stopped there but within 15 minutes I got a call from HDFC and Shetold that "You are eligible for Millennia card but I am still can't apply for you card from here because your area pincode is not being taken by the system. If you contact the bank you will get the card easily". So I called the RM in the bank, he checked and told that you have not received any card offer yet and you will need salary slip / source of income etc in the card offer which is currently showing.
So I want to know from all of you that how can I get credit card without any FD. Note: IDBI Bank gives credit cards (Lumine/Eclate) against LIC policy but I am not interested in these cards.
Will call it some charisma or coincidence that while I am typing this post, I have received this SMS from HDFC "Dear Bhanu, Being a privileged HDFC Bank customer, you can now opt for a Business Credit Card to cater to all your business needs -without any documentation.
Check here: hdfcbk.ioxxxx xxxx xxxxx"
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