I had received a pre-approved offer from HDFC Bank in which I was offered the HDFC Diners Club Privilege, HDFC Swiggy, and HDFC Indian Oil Credit Card.
This was going to be my first HDFC credit card, and until now I hadn’t used any HDFC Bank credit card. In an attempt to be a bit too smart, I ended up applying for the co-branded Swiggy card, and it got approved with a ₹1 lakh credit limit and has already been delivered to me.
I haven’t activated it yet. Its last date for activation is 4th July 2025.
So I want to know whether I am doing the right thing or not—should I have taken a core card as my first credit card instead of a co-branded one? Because I read on forums that if you take a co-branded card as your first HDFC credit card, you might face issues later when applying for a core card.
And yes—is Diners Club Privilege definitely considered a core card?
If I don’t activate this Swiggy card, when should I apply for a core card and how long will I have to wait?
If you have any suggestions or can help, please let me know.
I have already asked about this on forums but I am still having doubts, so I am posting again.
Now please tell me what should I do—should I activate it or leave it?
This was going to be my first HDFC credit card, and until now I hadn’t used any HDFC Bank credit card. In an attempt to be a bit too smart, I ended up applying for the co-branded Swiggy card, and it got approved with a ₹1 lakh credit limit and has already been delivered to me.
I haven’t activated it yet. Its last date for activation is 4th July 2025.
So I want to know whether I am doing the right thing or not—should I have taken a core card as my first credit card instead of a co-branded one? Because I read on forums that if you take a co-branded card as your first HDFC credit card, you might face issues later when applying for a core card.
And yes—is Diners Club Privilege definitely considered a core card?
If I don’t activate this Swiggy card, when should I apply for a core card and how long will I have to wait?
If you have any suggestions or can help, please let me know.
I have already asked about this on forums but I am still having doubts, so I am posting again.
Now please tell me what should I do—should I activate it or leave it?
