Chances of HDFC Swiggy Approval?

[safetorpedo2]

I applied for hdfc Swiggy card through Swiggy app (FYF) for a family member of mine. They do not have any credit score, salary is 7LPA, hold savings account with HDFC (Preferred Banking)

Are there any chances for approval? Also any tentative timeline for approval/rejection? (The bank sms says standard 7-8 days for decision)


Also, even if it gets approved, if I cancel the card before the renewal date ,will it still charge the renewal fees?

 

[Ram1]

It is not advisable to apply cobranded card as first card.
Should apply core card first in any bank

 

[safetorpedo2]

It is not advisable to apply cobranded card as first card.
Should apply core card first in any bank

I know that, currently not looking to apply for core card
Have applied for Swiggy card for some specific use case.

 

[Ram1]

As it is first card, physical verification might happen mostly.
Gonna takes 10 days imo.

Regarding fees, u can cancel before renewal, no fees will be charges.

U can keep mailing to priority redressal to convert this card to ltf

 

[safetorpedo2]

As it is first card, physical verification might happen mostly.
Gonna takes 10 days imo.

Regarding fees, u can cancel before renewal, no fees will be charges.

U can keep mailing to priority redressal to convert this card to ltf

Is physical verification required even if we hold a savings bank account with them?

Recently a debit card of that account had come to the address too, so I thought physical verification won't be required

 

[Ram1]

Is physical verification required even if we hold a savings bank account with them?

Recently a debit card of that account had come to the address too, so I thought physical verification won't be required

Savings account doesn't matter unless u have pre-approved offer in most cases.
This is what i observed from hdfc.

Why would u think debit card requires physical verification? It wont

 

[AkashnAkashn is verified member.]

Savings account doesn't matter unless u have pre-approved offer in most cases.
This is what i observed from hdfc.

Why would u think debit card requires physical verification? It wont

They did verification in case of pre-approved also 😭

Is physical verification required even if we hold a savings bank account with them?

Recently a debit card of that account had come to the address too, so I thought physical verification won't be required

Most likely they'll do home verification

 

[safetorpedo2]

Savings account doesn't matter unless u have pre-approved offer in most cases.
This is what i observed from hdfc.

Why would u think debit card requires physical verification? It wont

Well they are indeed offering freedom as pre-approved since months, but idk I just wish the process could have been a bit quicker 🥲

I thought u meant address verification by physical verification

 

[safetorpedo2]

They did verification in case of pre-approved also 😭

Most likely they'll do home verification

Could you share your timeline for approval

 

[AkashnAkashn is verified member.]

Could you share your timeline for approval

A

Thread 'HDFC Pre-Approved Credit Card Rejected'

Jun 20, 2025

Hi everyone,


I’m sharing my experience with HDFC Bank regarding a pre-approved credit card offer with a ₹1 lakh limit, which I was genuinely looking forward to.


Unfortunately, my application was rejected, and the reason provided was:

“We encountered a challenge while verifying and validating your Residence address through our Contact Point Verification process, and it did not meet our Residence verification norms.”

Here’s why this is frustrating:

• No one from HDFC came to my residence or contacted me during the...

• Akashn
• credit card hdfc pre approved rejected
• Replies: 37
• Forum: HDFC Bank Credit Card

• 
• 
• 

Check this thread

 

[GABBA₹]

I think chance is less as there is no credit score. If they want to approve they will do lots of verification.

The first cc application of my life was hdfc tata neu with no credit score (2023). Applied with hdfc salary account. They rejected next day. But after 3 months when I applied for it again with arround 750 cibil they approved it within 2 hours (no kyc, no verification). 4 months back applied for Swiggy card. Approved in 1 day without kyc and verification.

For my wife I applied hdfc card twice. Once without credit score and once with it. Rejected both the time without verification.

Try to apply Amazon pay icici and fk axis now. Before big sale. Chances are high to be approved.

 

[safetorpedo2]

I think chance is less as there is no credit score. If they want to approve they will do lots of verification.

The first cc application of my life was hdfc tata neu with no credit score (2023). Applied with hdfc salary account. They rejected next day. But after 3 months when I applied for it again with arround 750 cibil they approved it within 2 hours (no kyc, no verification). 4 months back applied for Swiggy card. Approved in 1 day without kyc and verification.

For my wife I applied hdfc card twice. Once without credit score and once with it. Rejected both the time without verification.

Rejection in case of your wife within how many days?
The branch manager of the nearest HDFC branch is known to us so maybe I'll try out my luck with him

 

[GABBA₹]

Rejection in case of your wife within how many days?

Without credit score: next day
With credit score: 3-4 days

The branch manager of the nearest HDFC branch is known to us so maybe I'll try out my luck with

Then there are good chances. Best of luck🤞