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?

 

[AsB]

Why someone will downgrade their card🥲 also some banks don't allow to downgrade 🥲

To convert to LTF. Or, to get the lower spend criteria again

 

[Shahkhan]

HDFC Customer Care confused me.
First when I mailed them, they said that I needed to spend 30k to make it LTF.
After I did that, and after waiting for 1 month, and paying the bill worth Rs 30,366, I emailed them back to see if my card was LTF. Turns out, my card was processed as LTF from the start.


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Yes, Even I spent almost 38k of 50K spend condition. But i felt like I should call customer care once and then when I enquired about my LTF status they said it's already LTF.

I thought of reconfirming so I called 3 times and all 3 of customer executives said my card is already LTF and no need to do any spend condition.

 

[AsB]

I found another curious thing. HDFC Bank does not report the Credit Limit to any credit bureaus. Please confirm, if this is true?

 

[TheTrickySid]

I found another curious thing. HDFC Bank does not report the Credit Limit to any credit bureaus. Please confirm, if this is true?

Stone age thing 🙂
Maybe it's new for you 😅
Yes it's true, mostly it reports maximum utilised limit.

 

[prc1990]

I found another curious thing. HDFC Bank does not report the Credit Limit to any credit bureaus. Please confirm, if this is true?

See this thread bero Thread 'Non reporting of HDFC Credit Card limit to credit bureaus' https://www.technofino.in/community...hdfc-credit-card-limit-to-credit-bureaus.322/

 

[AsB]

Stone age thing 🙂
Maybe it's new for you 😅
Yes it's true, mostly it reports maximum utilised limit.

Could be stone age, but for me , Hdfc card is new age thing 😉