Millennia HDFC Pre-approved CC offer updated from MONEYBACK+ to MILLENIA in just 2 Months of Wait.

[uipolo]

I wanted to share my experience for those who are waiting and wondering whether patience with HDFC pays off.

Around 10 June 2025 –I got pre-approved credit card offer with limit upto ₹56K, with only MoneyBack+, Swiggy, and IndianOil variants showing. All were paid but within a week all cards started showing as LTF.

I was very disappointed withcard varient and also with limit provided. So, After suggestion from @SSV and @GTSaketh , I decided to upgrade my account to Classic banking ( Gramin Vishesh Banking)

On 29 June 2025 – I upgraded my regular savings account to VISHESH BANKING.

After upgrading account to VISHESH BANKING :-

Early July 2025 – Pre-approved limit increased from 56k to ₹63K, but still the same card variants.

11 August 2025 – Limit increased again, this time to ₹1,00,000, still same variants.
Also DCEMI increased from 60k to 125k

Today (12 August 2025) – Card variant list finally changed, and Millennia Credit Card is now showing as pre-approved LTF


View attachment 106403

Observation:
After upgrading to Vishesh Banking, my pre-approved limit increases came faster and in bigger jumps .

Now that Millennia is finally showing, should I apply myself directly through NetBanking or go via an HDFC credit card agent for NO ANY VERIFICATION.

It's gonna be my first UNSECURED CC.
Now, I WILL BE NO MORE CC VIRGIN 🙃.

Thanks Technofino members for helping me to get my first ever unsecured cc as MILLENIA CC .
Special thanks to @SSV and @GTSaketh .

Edit 1.
Finally my cc is approved but with 75k limit only .🙂 today(13/08/2025)

 

[TripleAce]

Millenia is a meritorious card in the HDFC Core CC Ecosystem.
Take the RuPay variant and start your journey.
All the very best 🍀

 

[uipolo]

Apply paid millenia after approved use those ltf ss to convert it to ltf.

I am little bit nervous so thinking of waiting a week

Millenia is a meritorious card in the HDFC Core CC Ecosystem.
Take the RuPay variant and start your journey.
All the very best 🍀

I never used any CC till now and don't know how to choose RUPAY variant , in XPRESSWAY and also in CC Application it is showing Mastercard varient.
Any way to get it in Rupay varient please help me to get my first UNSECURED CC

 

[TripleAce]

I am little bit nervous so thinking of waiting a week

I never used any CC till now and don't know how to choose RUPAY variant , in XPRESSWAY and also in CC Application it is showing Mastercard varient.
Any way to get it in Rupay varient please help me to get my first UNSECURED CC

I have no idea on how you can get RuPay while applying online. If there’s no option then you can get the Master and request for a variant change once the card is delivered.
Still, I would request you to wait for more replies on the same from fellow TF experts:
@SSV
@Vasuki
@sourpai
@cardio_guy

 

[GTSaketh]

LTF is possible only if the application page shows card as LTF. It's better to wait for it as converting to LTF will be a big hassle after card is shown as paid in application page.

Not always True, this thing happened to me aswell. Got LTF offers in SMS, Email and NetBanking. But after checking offers it's showing as paid, Escalated to CC escalation team and also talking CC agent in my Branch. Both confirmed it's LTF. So i applied from the link which shows as Paid. Now I got the card. Confirmed with Normal CC team, Escalation Team and Grievance it is infact LTF.

Thread 'HDFC pre approved offer LTF or not?? Confusion' https://www.technofino.in/community/threads/hdfc-pre-approved-offer-ltf-or-not-confusion.41280/

 

[GTSaketh]

My Recommendation is Contact your RM and ask him to connect you to their CC agent. He can check if your offer is actually LTF or not. Also just be safe send an email to Escalation team escalation.cc@hdfcbank.com aswell.

 

[uipolo]

My Recommendation is Contact your RM and ask him to connect you to their CC agent. He can check if your offer is actually LTF or not. Also just be safe send an email to Escalation team escalation.cc@hdfcbank.com aswell.

Thanks @GTSaketh. Emailed them let's see what happens

 

[RAHUL GOYAL]

Millenia is a meritorious card in the HDFC Core CC Ecosystem.
Take the RuPay variant and start your journey.
All the very best 🍀

its a core card? if its a core card then when a sale on flopkart with hdfc 10% can we get both 5% CB & 10% instant discount

 

[HumorSimpson]

its a core card? if its a core card then when a sale on flopkart with hdfc 10% can we get both 5% CB & 10% instant discount

YES Millenia is core card. You get instant discount + regular 5% upto 1K.

 

[TripleAce]

I’m not an expert but I believe if it’s not a co-branded card then we can consider it to be a core card.

its a core card? if its a core card then when a sale on flopkart with hdfc 10% can we get both 5% CB & 10% instant discount

 

[SSV]

its a core card?

Yes, It is a real authentic 1000% a very valuable sought after CORE HDFC card in its category ...

 

[Wealth is my birth right!]

its a core card? if its a core card then when a sale on flopkart with hdfc 10% can we get both 5% CB & 10% instant discount

Yes but 400 pm is cb limit I think
Discount 10% separate

 

[HumorSimpson]

Yes but 400 pm is cb limit I think
Discount 10% separate

No.. 5% upto 1K in a billing month.

 

[Wealth is my birth right!]

No.. 5% upto 1K in a billing month.

Oops 400 for millennia dc
Thanks for correcting

 

[uipolo]

My Recommendation is Contact your RM and ask him to connect you to their CC agent. He can check if your offer is actually LTF or not. Also just be safe send an email to Escalation team escalation.cc@hdfcbank.com aswell.

@GTSaketh @SSV Checked again and this time it is showing 0 fees LTF

 

[Wealth is my birth right!]

@GTSaketh @SSV Checked again and this time it is showing 0 fees LTFView attachment 106434

Looks like u got it ltf finally

 

[Sree CC]

Just grab it , Aditya!!!

 

[uipolo]

Just grab it , Aditya!

Just applied through my RM and got my application no with HARD CRIF ENQUIRY 😂.let's see what happens now

 

[HumorSimpson]

Just applied through my RM let's see what happens

congrats you will get it.

 

[SSV]

@GTSaketh @SSV Checked again and this time it is showing 0 fees LTFView attachment 106434

you got it.. all the best..

congratulations... one more use case for " good things happen to those who have patience and apply the logical things to get things done..

Enjoy...

 

[uipolo]

you got it.. all the best..

congratulations... one more use case for " good things happen to those who have patience and apply the logical things to get things done..

Enjoy...

Don't give me hope. 😂 Application is still in process.But my RM assured don't worry you are classic customer, cc will be approved 🙂.