Swiggy HDFC LTF (2024)

[anonymuos]

How to get Swiggy CC LTF? It will be offered LTF for a lot of people soon as I and a few other random people got this today. There was a cibil hard enquiry but card approved in a few hours of applying. I don't have a core card (closed Business MoneyBack, now being spammed daily with Biz Grow Visa and Biz First RuPay in Net Banking). I also have Neu Infinity RuPay LTF and now this on Mastercard. Par mujhe Millennia chahiye 😩😫😭😭😭




And ultimately it will be devalued due to too many LTF issued cards

 

[SSV]

Any. In recent LE waves, people with co branded cc reported not receiving any LE offers which they did before. So its an accepted theory for now.

If this is going to be true longterm..what would be fate of Tata Neu Plus holders !!!🤔
I guess definitely not rosy !!! Poor plus holders ... poor Tata Neu ....
This applies to somewhat infinity holders as well

 

[BhaiyaJi]

If this is going to be true longterm..what would be fate of Tata Neu Plus holders !!!🤔
I guess definitely not rosy !!! Poor plus holders ... poor Tata Neu ....
This applies to somewhat infinity holders as well

Is this because of shared underwriting and risk?

 

[Prime Carlsen]

Is this because of shared underwriting and risk?

More likely faulty algorithm. No point of applying restriction to all the users even those with good profile and spending.

 

[varun__goel_]

Any. In recent LE waves, people with co branded cc reported not receiving any LE offers which they did before. So its an accepted theory for now.

That's not the case
Have received LE on 8 month old Tata Neu, though only for additional 29k limit

 

[Prime Carlsen]

That's not the case
Have received LE on 8 month old Tata Neu, though only for additional 29k limit

Oh, how many other hdfc cards do you have?

 

[varun__goel_]

Oh, how many other hdfc cards do you have?

Hdfc millenia ...

 

[Prime Carlsen]

Hdfc millenia ...

Then that's great. Recent threads discussing not giving LE because of multiple cards had me worried.
Maybe the time to give LE offers again is reset when getting another card and we just have to wait longer.

 

[djrocky]

I believe the cashback associated with this card will be linked to the mobile number of the card holder.
If that's true, the swiggy one membership may be priced higher for such members in future. Today also the one membership charges are different for different customers.
Those using multiple accounts may find discounted membership in some other account and this card may not be of any value.
This is one area where the bank/swiggy can control profits.
Am I correct in understanding?

In comparison, Cards like tata neu can be used by anyone as there are no Neupass membership charges (for default Neu coins benefit)

 

[Animal]

Application is approved.

 

[falcon007]

Get another credit card from HDFC and forget LE.

 

[Hisoka]

Seeing so many people still interested in this card proves that HSBC Cashback is very underrated.

Just because it has high annual fees compared to other cards, people don’t realise that it has much wider array of Cashback. Online food, dining, groceries and what not. 10% Cashback straight into statement.

 

[Prime Carlsen]

Seeing so many people still interested in this card proves that HSBC Cashback is very underrated.

Just because it has high annual fees compared to other cards, people don’t realise that it has much wider array of Cashback. Online food, dining, groceries and what not. 10% Cashback straight into statement.

Direct into statements is always better. Reward points or cashback in 'wallets' also reduces the overall returns.

I need to look into this card's details. Sounds like a good one to hold.

 

[ankit ojha]

Swiggy LTF or chargeable Millennia, which is best? ( already have business money back 10 month old and RuPay biz)

 

[msankadi]

I believe the cashback associated with this card will be linked to the mobile number of the card holder.
If that's true, the swiggy one membership may be priced higher for such members in future. Today also the one membership charges are different for different customers.
Those using multiple accounts may find discounted membership in some other account and this card may not be of any value.
This is one area where the bank/swiggy can control profits.
Am I correct in understanding?

In comparison, Cards like tata neu can be used by anyone as there are no Neupass membership charges (for default Neu coins benefit)

Possible. We'll just close the card if that happens won't we.

We love the game and we will win the game no matter what happens. Thou banks shall not profit off us.

 

[UdayTr]

I opted for the paid HDFC Swiggy card just last month from hdfc portal.
But now in my swiggy app it is showing ltf for me. I asked hdfc support and they said it's not ltf card so probably a bug from swiggy end, sad. Unless I'm the lucky one who would be later made ltf.

 

[Bigde]

Received this LTF offer yesterday (thanks to this post as I didn't check the notification from the Swiggy app). Applied for the card and received approval in 2 hours. Card is already dispatched and will receive the same in next 2-3 days.

 

[vijay.vj]

Applied yesterday and received virtual card over email within 24 hours.
Had Regalia gold card which is 2-3 months old.

 

[anonymuos]

Eww the Swiggy card just got delivered and it's SO DULL AND FUGLY! It's nothing like what they show in the photos/fake edited and saturated colors. It's like someone put it in the washing machine and the colors faded out

 

[BhaiyaJi]

Eww the Swiggy card just got delivered and it's SO DULL AND FUGLY! It's nothing like what they show in the photos/fake edited and saturated colors. It's like someone put it in the washing machine and the colors faded out

yeah it seems to be very dull in real.

 

[dexter_greycells]

No harm in keeping LTF card. You never know when you need it.

Despite being on TF, I have a different mindset.
Even LTF cards require maintenance (emails, calls, messages, monthly statements, address changes, card renewal etc).
Also, the more cards one has, higher is the effort to figure out which to use for a given transaction. I personally believe no sane individual should have more than a handful (that is 5!) and 3 is the optimum.