What are the conditions to make HDFC Bank Millennia Credit Card LTF?

[Shahkhan]

Hello community members!,
Last month I applied for. HDFC MILLINEA which was conditional LTF offer. But im uncertain about the spending condition, as before 2022 it was 1L spend to LTF.
Now some sources says 50K spends to LTF.
SO, which one should I prefer, also , does the spend condition applies when buying gold or silver jewellery?

 

[prc1990]

Hello community members!,
Last month I applied for. HDFC MILLINEA which was conditional LTF offer. But im uncertain about the spending condition, as before 2022 it was 1L spend to LTF.
Now some sources says 50K spends to LTF.
SO, which one should I prefer, also , does the spend condition applies when buying gold or silver jewellery?

LTF conditions get changed periodically. You need to get in touch with the customer support.

 

[Shahkhan]

LTF conditions get changed periodically. You need to get in touch with the customer support.

Ok, then thank you.

 

[alanabraham]

Hello community members!,
Last month I applied for. HDFC MILLINEA which was conditional LTF offer. But im uncertain about the spending condition, as before 2022 it was 1L spend to LTF.
Now some sources says 50K spends to LTF.
SO, which one should I prefer, also , does the spend condition applies when buying gold or silver jewellery?

I got Millennia on 1st week of march and 50K spend within 90 days was the rule. Don't know any changes happened in April

 

[mukundstud]

According to this official page:

https://www.hdfcbank.com/personal/pay/cards/credit-cards/credit-card-fee-waiver-condition

Need to spend 50k in first 90 days to make Millennia LTF

 

[prc1990]

According to this official page:

https://www.hdfcbank.com/personal/pay/cards/credit-cards/credit-card-fee-waiver-condition

Need to spend 50k in first 90 days to make Millennia LTF

You are absolutely right however, at times (mostly during the financial year end) they even also offer unconditional LTF cards even if it is applied through their employees/agents (Many people got calls including me) based on the following criteria.

1. Card to Card Basis: If you have an existing credit card with other bank with a min. limit of 30K and atleast 6 months old

2. Income Proof basis: If you're working with any of the MNCs, HDFC bank has partnered with and your office location is within 30KM of your residential area.

 

[AllSeeker]

I've unconditional LTF millennia, just got it in 2nd week of March, as prc1990 has said, it was financial year end thing, I got 4 new credit cards and one in process without having to do a single documentation or verification since March 8th to April today. And all of them are LTF.

 

[prc1990]

I've unconditional LTF millennia, just got it in 2nd week of March, as prc1990 has said, it was financial year end thing, I got 4 new credit cards and one in process without having to do a single documentation or verification since March 8th to April today. And all of them are LTF.

I was also eligible for unconditional Millennia LTF but unfortunately got declined due to some issues. Will reapply in May.

 

[prc1990]

I've unconditional LTF millennia, just got it in 2nd week of March, as prc1990 has said, it was financial year end thing, I got 4 new credit cards and one in process without having to do a single documentation or verification since March 8th to April today. And all of them are LTF.

Please share your 4 card name with the group 👻.

 

[AllSeeker]

Please share your 4 card name with the group 👻.

Flipkart Axis
Hdfc Millennia
IDFC First Millennia
RBL Zomato

BOB in process.

 

[prc1990]

Flipkart Axis
Hdfc Millennia
IDFC First Millennia
RBL Zomato

BOB in process.

This year I added the following so far:

1. IDFC First Millennia
2. HSBC VISA Platinum
3. CITI Rewards 🥱

 

[AllSeeker]

This year I added the following so far:

1. IDFC First Millennia
2. HSBC VISA Platinum
3. CITI Rewards 🥱

Awesome!
I'll not apply for anything new till at least year end, I'm eyeing for axis airtel and SC Manhattan cards. But I doubt I can get them easily. I need to also let my CIBIL recover a little. 🤣

 

[prc1990]

Awesome!
I'll not apply for anything new till at least year end, I'm eyeing for axis airtel and SC Manhattan cards. But I doubt I can get them easily. I need to also let me CIBIL recover a little. 🤣

Right on track, doing the same this side as well 😝.

 

[prc1990]

Awesome!
I'll not apply for anything new till at least year end, I'm eyeing for axis airtel and SC Manhattan cards. But I doubt I can get them easily. I need to also let my CIBIL recover a little. 🤣

On an other note, I didn't find Axis Airtel to be that much attractive. What's your view?

 

[AllSeeker]

On an other note, I didn't find Axis Airtel to be that much attractive. What's your view?

In my family, I've 3 Airtel sims, 1 DTH and I feel if I get it for LTF, it's worth having it just for that. I Don't think everything else it offers is anything special. Capping on it limits its potential.

 

[prc1990]

In my family, I've 3 Airtel sims, 1 DTH and I feel if I get it for LTF, it's worth having it just for that. I Don't think everything else it offers is anything special. Capping on it limits its potential.

No question is asked if it is offered as LTF 👻.

 

[AllSeeker]

No question is asked if it is offered as LTF 👻.

Indeed. 🤣

 

[akshayhs]

Hello community members!,
Last month I applied for. HDFC MILLINEA which was conditional LTF offer. But im uncertain about the spending condition, as before 2022 it was 1L spend to LTF.
Now some sources says 50K spends to LTF.
SO, which one should I prefer, also , does the spend condition applies when buying gold or silver jewellery?

Just had two different calls with HDFC bank about the same card today as it is related to my current application.

She said basically you need to put all your bills on Smartpay. That will ensure your card will remain LTF. If you want waiver for first year charges, then 50k spend in first 90 days is must. (You will not be charged initially, but if you cross the 50k threshold within 3 months, then they will not charge you at all). This to quote "her info"

 

[AllSeeker]

What's your Cibil now, how much did it dip?

Not much actually, only 6 points last I checked, real impact will happen in next months report. Right now it is 764, next update is in 24 days.

 

[prc1990]

2. How did you get HSBC CC?

Applied digitally with income proof.