HDFC is quite unreliable.
I got HDFC Swiggy in September 2024, and applied through the branch agent, he showed me it is LTF, I even saw it and saw it in my Swiggy app as well.
Now in last month's statement, I got a Rs.500 membership fee charged, when I asked them through email they replied the card is not LTF for me.
But the thing is even now I can see the card as LTF in the Swiggy card details section. I have sent the screenshots and details that I saw while applying as LTF and only then I applied for it.
I don't know if they will reverse the charges or not.