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
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)
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)
Attachments
Last edited:
