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What is the chance of getting pre approved CC by opening Regular HDFC account?

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harshn

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Pls 🙏🏻 answer my queries but pls keep in mind i ONLY want CC for Flipkart/Amazon sale discounts and not interested in reward points , cashback etc but fully interested in getting card LTF any variant is fine for me as long as it gives sale discounts, i can wait for 5-10 years for getting pre-approved offers.

1. What are the chances for Getting pre approved credit card by opening Regular savings account in HDFC ?
2. Chances for Getting that CC life time free ?
3. On what parameters it depends ? apart from CIBIL score ?
4. New account holders r given more preference or old account holders get better offers ?
5. I don't have any CC yet , so no CIBIL score generated , what is preferred: opening account now or after my CIBIL has been generated ?
6. Is it worth using HDFC & maintaing 10k for tech savvy person just in the hope of getting CC later on in life (not in hurry to get CC just now)?
7. Can we get HDFC any CC LTF without having savings account any possibility? What abt getting CC without account but not LTF ?

More queries but less imp (I will be thankful if u ans) :

8. Without debit card can this account be used perfectly after initial net banking and fund transfer setup ? (I mean in ICICI debit card grid is required ALWAYS for many authentications)

9. Branch experience with HDFC ?

10. Can communication address be changed after account is opened ONLINE or through branch using rent agreement or something else ?

11. Chances of HDFC freezing account based on many Debit UPI transactions ?(Like IDFC) OR heavy credit transaction but in accordance with income.

Thanx in advance for any replies or insights 🙏🏻🙏🏻
 
Last edited:
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1. 100%
2. Depends on your luck
3. Relationship value
4. Depends on luck
5. It doesn't matter
6. Ok (btw, what does tech savvy person has to do anything about maintaing 10k balance, how are both related? its not iPhone, right?)
7. Yes & Yes (100%)
8. No (but you'll get DC in instant kit, once login completed after that not required)
9. Depends on location
10. Yes, using official supported docs ('something else' works not the rent agreement)
11. Depends on how many
 
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If you can wait for 5-10 years, then you will definitely get pre-approved LTF credit card offers, given you consistently use the account.

HDFC is known to give pre-approved paid CC offers to NTB customers after 3-6 months of account opening. After a few more months, LTF offers start to show. But this is when the account is active, being used consistently and a good volume of Debit Card transactions are there. The bank may also care a bit about MAB.

Since you don't have a CIBIL profile yet, having some FDs n all with HDFC would help. You can also go for a secured credit card.

You can always get LTF HDFC credit card without any relationship with HDFC. You will have to apply via agent on a C2C basis.

Having an old relationship with the bank will certainly help, but not to much extent if you are only going to maintain around 10K and not do a good amount of transactions. It will be fine even if you open the account later and use it as your primary account when you want the HDFC CC.

There is no Grid or anything in HDFC DC. So, the dependence on DC is not as much as in case of ICICI. But, I am not sure if one can manage UPI register/password reset without HDFC DC. Also, if you aren't going to make use of HDFC DC when you don't have their CC, it is not going to be of any help in getting their CC at all.

You can change the communication address online or through branch with rent agreement.

HDFC is unlikely to freeze accounts due to high UPI or DC transactions.

Most of the HDFC branches are going to be bad. It also depends on the location. Crowded ones are more likely to provide a poor service.
 
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Upvote 0 Downvote
Sourabh_13 said:
if you aren't going to make use of HDFC DC when you don't have their CC, it is not going to be of any help in getting their DC at all
Click to expand...
U mean CC in last line right ?
So without debit card transactions , even if I m doing debit : UPI , NEFT , credit : NEFT , IMPS etc. I will never get credit card offer ?
Others also pls give insights on this 🙏🏻
 
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prankster said:
In my case, I got pre-approved LTF offers after maintaining 25k mab. I opened account in May and just now started getting the offers.
Click to expand...
I also got LTF offer with 1500rs voucher when I was trying to apply there was 3 cards showing (Freedom, IndianOIl, Swiggy) but the LTF and 1500rs voucher is showing only on first 2 cards not on swiggy, So HDFC Swiggy card is Pre-approved or not for me ?

One more query- Should I apply for a non-core HDFC cc as my First Ever credit Card
 
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harshn said:
U mean CC in last line right ?
So without debit card transactions , even if I m doing debit : UPI , NEFT , credit : NEFT , IMPS etc. I will never get credit card offer ?
Others also pls give insights on this 🙏🏻
Click to expand...
Yes, I wanted to write CC. As per what people on this forum say, use of DC seems the most important thing.

I know people who have received LTF CC offers without much use of DC but I don't know how much time did it take for them to get such offers.
 
Upvote 0 Downvote
If you're earning, get ICICI platinum LTF,Why to wait?
harshn said:
Pls 🙏🏻 answer my queries but pls keep in mind i ONLY want CC for Flipkart/Amazon sale discounts and not interested in reward points , cashback etc but fully interested in getting card LTF any variant is fine for me as long as it gives sale discounts, i can wait for 5-10 years for getting pre-approved offers.

1. What are the chances for Getting pre approved credit card by opening Regular savings account in HDFC ?
2. Chances for Getting that CC life time free ?
3. On what parameters it depends ? apart from CIBIL score ?
4. New account holders r given more preference or old account holders get better offers ?
5. I don't have any CC yet , so no CIBIL score generated , what is preferred: opening account now or after my CIBIL has been generated ?
6. Is it worth using HDFC & maintaing 10k for tech savvy person just in the hope of getting CC later on in life (not in hurry to get CC just now)?
7. Can we get HDFC any CC LTF without having savings account any possibility? What abt getting CC without account but not LTF ?

More queries but less imp (I will be thankful if u ans) :

8. Without debit card can this account be used perfectly after initial net banking and fund transfer setup ? (I mean in ICICI debit card grid is required ALWAYS for many authentications)

9. Branch experience with HDFC ?

10. Can communication address be changed after account is opened ONLINE or through branch using rent agreement or something else ?

11. Chances of HDFC freezing account based on many Debit UPI transactions ?(Like IDFC) OR heavy credit transaction but in accordance with income.

Thanx in advance for any replies or insights 🙏🏻🙏🏻
Click to expand...
 
Upvote 0 Downvote
In my case I got tata neu Plus within 20 days of account opening.
BSBDA, this is lowest varient of account in hdfc.
So it's luck based.
I didn't get pre-approved offer I randomly applied for it and got it.

Same happened with axis ace ( first cc )
 
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