Year End Offer: Lifetime Free HDFC Bank Credit Cards

[butterfly]

It is not possible to hold two core credit cards from HDFC. However, you can get a business card as a 4th card
In rare cases, HDFC may agree to issue a second card on a split limit, but obtaining the Millennia card under such an arrangement is highly unlikely.
You can try your luck by escalating the request through HDFC’s Grievance Redressal, Priority Redressal, or PNO

pnohdfcbank@hdfcbank.com
Grievance.Redressalcc@hdfcbank.com
priorityredressalcc@hdfcbank.com

Good luck.

Highly appreciated for your valuable thoughts and suggestions…thank you..

 

[butterfly]

Yeah better to drop that plan. U have swiggy cc which has similar features of millinia.

Highly appreciated for your valuable thoughts and suggestions…thank you..

 

[pathanrasul]

Ryt now m having neu plus with 79k limit, every time I apply it is getting rejected or some error

Heard somewhere that if I have my 1st co branded card then it's impossible to get any other card from hdfc is it true?

 

[Fini7777]

Heard somewhere that if I have my 1st co branded card then it's impossible to get any other card from hdfc is it true?

True, u can't get any other core card but u can upgrade the existing cobranded card to core card based on ur eligibility

 

[Boy 07]

True, u can't get any other core card but u can upgrade the existing cobranded card to core card based on ur eligibility

I have tata Infinity LTF with limit 2 L what the options for me ???

 

[pathanrasul]

True, u can't get any other core card but u can upgrade the existing cobranded card to core card based on ur eligibility

Been using since 18 mnths got 2ND LE 25>50>79k but no card upgrade offer showing, should I close it to get Swiggy card,? It's my 1st credit card... Will it impact credit score? Current Cibil is 774

 

[Fini7777]

I have tata Infinity LTF with limit 2 L what the options for me ???

If u r seriously looking for core card the only option is upgrade to fyf millennia cc
From LTF TNI

 

[Fini7777]

Don't close it apply swiggy cc from swiggy app when u get LTF offer

If u feel u can recover annual fee of 590 for swiggy card u can also consider applying fyf swiggy card from swiggy app

Been using since 18 mnths got 2ND LE 25>50>79k but no card upgrade offer showing, should I close it to get Swiggy card,? It's my 1st credit card... Will it impact credit score? Current Cibil is 774

 

[pathanrasul]

Don't close it apply swiggy cc from swiggy app when u get LTF offer

If u feel u can recover annual fee of 590 for swiggy card u can also consider applying fyf swiggy card from swiggy app

Applied 2 times in last 8 9 mnths via Swiggy app both times getting rejected, I also have hdfc classic banking saving account, then also not getting approved don't know what's goingon

 

[adnanpasha3711]

I wanted to get Tata Neu Infinity for my UPI spends (in addition to already owned SBI Elite Rupay), but HDFC is only offering Tata Neu Plus. Should I take it now and hope for an upgrade later. Or maybe should I apply for any other card from HDFC. I am also using LTF Millennia for most of my spends, hoping for an upgrade to regalia or even an LE. I have already received a civil hit from checking the Tata Neu link.

Following is my CC portfolio:

1. IndusInd Avios Metal (2.8 L)
2. SBI Elite Rupay(1.5 L)
3. ICICI Sapphiro (5 L)
4. Yes Reserv (4.9 L)
5. ICICI MMT Signature (5 L)
6. HDFC Millenia (1.4 L)
7. Axis Flipkart (1.2 L)
8. ICICI Amazon Pay (5 L)
9. J&K Bank Platinum (3 L)

ICICI cards have a shared limit of 5 L, and all cards are LTF

 

[Beyond]

I wanted to get Tata Neu Infinity for my UPI spends (in addition to already owned SBI Elite Rupay), but HDFC is only offering Tata Neu Plus. Should I take it now and hope for an upgrade later. Or maybe should I apply for any other card from HDFC. I am also using LTF Millennia for most of my spends, hoping for an upgrade to regalia or even an LE. I have already received a civil hit from checking the Tata Neu link.

Following is my CC portfolio:

1. IndusInd Avios Metal (2.8 L)
2. SBI Elite Rupay(1.5 L)
3. ICICI Sapphiro (5 L)
4. Yes Reserv (4.9 L)
5. ICICI MMT Signature (5 L)
6. HDFC Millenia (1.4 L)
7. Axis Flipkart (1.2 L)
8. ICICI Amazon Pay (5 L)
9. J&K Bank Platinum (3 L)

ICICI cards have a shared limit of 5 L, and all cards are LTF

Tata neu infinity has minimum bar of 1.5L you can either -
apply again once your millennia crosses 1.5l limit
or you can apply now and upgrade it later to infinity after reaching 1.5L limit (subject to HDFC whims)

 

[Fini7777]

Applied 2 times in last 8 9 mnths via Swiggy app both times getting rejected, I also have hdfc classic banking saving account, then also not getting approved don't know what's goingon

Ok, in that case u can close ur current credit card and I'd suggest u wait for pre approved offer from their side
Also they do offer some cards as LTF occasionally. wait for that time and grab the offer

currently they r running the yr end offer but even if u close ur card now the time is less
Immediately close ur card now and try to apply before jan 16 2025 , if u r lucky u will get an LTF card otherwise wait till march and apply then
Most likely u will get a card
Make sure u apply for a core card like MB+, Millennia, DCP first

 

[Fini7777]

I wanted to get Tata Neu Infinity for my UPI spends (in addition to already owned SBI Elite Rupay), but HDFC is only offering Tata Neu Plus. Should I take it now and hope for an upgrade later. Or maybe should I apply for any other card from HDFC. I am also using LTF Millennia for most of my spends, hoping for an upgrade to regalia or even an LE. I have already received a civil hit from checking the Tata Neu link.

Following is my CC portfolio:

1. IndusInd Avios Metal (2.8 L)
2. SBI Elite Rupay(1.5 L)
3. ICICI Sapphiro (5 L)
4. Yes Reserv (4.9 L)
5. ICICI MMT Signature (5 L)
6. HDFC Millenia (1.4 L)
7. Axis Flipkart (1.2 L)
8. ICICI Amazon Pay (5 L)
9. J&K Bank Platinum (3 L)

ICICI cards have a shared limit of 5 L, and all cards are LTF

Apply for TNI once u cross 1.5L limit on ur Millennia CC

 

[amitr29]

Are people still getting Pre-approved offers without CIBIL hit? Only option I see is with CIBIL hit.

If one takes a core card like Biz Power, will they upgrade to Biz Black if income criteria is met?

 

[Fini7777]

Are people still getting Pre-approved offers without CIBIL hit? Only option I see is with CIBIL hit.

If one takes a core card like Biz Power, will they upgrade to Biz Black if income criteria is met?

Yeah, cibit hit is for sure
Yes upgrade is possible but they r now considering these cards as business cards not as core cards and they even removed some of these cards from instant discount offers during sales

 

[adnanpasha3711]

Tata neu infinity has minimum bar of 1.5L you can either -
apply again once your millennia crosses 1.5l limit
or you can apply now and upgrade it later to infinity after reaching 1.5L limit (subject to HDFC whims)

I want to apply now and upgrade later, but does HDFC give LTF upgrade?

 

[metal_heart]

I applied for Regalia GOLD during the end of year offer; only to realize later that it is FYF and not LTF. Any option to convert it to LTF or opt for Millinea LTF. Should I not activate it and apply later; as & when future offer come.

I won't be able to cover 4L milestone (may not be half of it)

 

[Fini7777]

I want to apply now and upgrade later, but does HDFC give LTF upgrade?

If pre-approved upgrade offer: Yes
Manual Upgrade Req: No

 

[Fini7777]

I applied for Regalia GOLD during the end of year offer; only to realize later that it is FYF and not LTF. Any option to convert it to LTF or opt for Millinea LTF. Should I not activate it and apply later; as & when future offer come.

I won't be able to cover 4L milestone (may not be half of it)

Card Approved?

use it for 10-11 months and Req for LTF conversion
if they disagree then downgrade ur RG To Millennia

 

[pathanrasul]

Ok, in that case u can close ur current credit card and I'd suggest u wait for pre approved offer from their side
Also they do offer some cards as LTF occasionally. wait for that time and grab the offer

currently they r running the yr end offer but even if u close ur card now the time is less
Immediately close ur card now and try to apply before jan 16 2025 , if u r lucky u will get an LTF card otherwise wait till march and apply then
Most likely u will get a card
Make sure u apply for a core card like MB+, Millennia, DCP first

It's my oldest and 1st card, closing will it effect cibil score?