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

uipolo

uipolo

TF Select
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
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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)
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uipolo said:
Contacted customer care via phone call, they are saying card limit is only 75k
Click to expand...
What! Millennia of limit 75k. But I think it is minimum 1 lakh limit for Eligibility for millennia. Isn't that?

Here having swiggy and taata old plus card with 45k. From 1.5 years. 😢
Also spend much in first 6 months, so next 6 months not spend anything and next 6 months moderate usage but no limit enhancement.

What criteria their system use for limit enhancement. Pata nhi lagta hai ab dono card band karwane hi padege.
 
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RAHUL GOYAL said:
padta hai par hdfc ka kuch keh nahi sakte mood ke upper hai unke maine bhi 1 sall use kiya jyaada par kuch nahi milla 94k thi limit meri
Click to expand...
One more Interesting thing I have money back plus card with limit 70k
At time when Hdfc was good giving Swiggy ltf so I was not able to apply with the same mobile no so i applied with different number and card approved with limit 15K
I sent email for LE they asked for Itr Or salary slips
If I send them salary slips they will increase separately or will match to 70K with my existing card
 
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Boy 07 said:
One more Interesting thing I have money back plus card with limit 70k
At time when Hdfc was good giving Swiggy ltf so I was not able to apply with the same mobile no so i applied with different number and card approved with limit 15K
I sent email for LE they asked for Itr Or salary slips
If I send them salary slips they will increase separately or will match to 70K with my existing card
Click to expand...
increase separately kyoki tumne dusre number liya hai agar same number par hota toh same merged limit hoti
 
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RAHUL GOYAL said:
hurray preferred banking mein upgrade ho gaya mein dekhte hai mujhe konsa card denge ye
ignore both of these cards they are closed in may but till now showing in net banking
Click to expand...
Bhai 1oct tak ki khushi rahegi. Preferred needs 4L MAB from 1st Oct. But we need to see if hdfc really implement this requirement for existing preferred customers
 
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Apply For LTF Axis Bank Credit Card
panu24 said:
Bhai 1oct tak ki khushi rahegi. Preferred needs 4L MAB from 1st Oct. But we need to see if hdfc really implement this requirement for existing preferred customers
Click to expand...
ohhh koi nahi 1 lakh toh kar lunga maintain clasic bhi thik hai
mai abhi icici bank mein bhi gaya tha privilage account ke liye vo bole ki 2 lakh ka khulega minimun pata nahi kya naam bata rahe the usme MAB 2 lakh rakhna padega nahi toh charges lagenge downgrade nahi hoga automatic
 
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RAHUL GOYAL said:
acha jo red color ka hai 6 likha ka jispe vo ublock origin hai ads blocker
Click to expand...
discussion talk GIF

Task bar which is in the bottom. The very first one before whatsapp. Not the address bar.
 
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