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Has anyone with a secured credit card from HDFC received another credit card from HDFC?

SMS91

TF Select
I have an HDFC secured credit card (Moneyback), and due to that, I haven't received any credit card upgrade in the last three years. Now, the PayZapp app shows an LTF Pixel credit card offer with an 'Apply Now' option. Will it get approved? Can anyone with an HDFC secured credit card get another credit card from HDFC? I don’t want a CIBIL enquiry and later face rejection because I already have a secured credit card.
 
I have an HDFC secured credit card (Moneyback), and due to that, I haven't received any credit card upgrade in the last three years. Now, the PayZapp app shows an LTF Pixel credit card offer with an 'Apply Now' option. Will it get approved? Can anyone with an HDFC secured credit card get another credit card from HDFC? I don’t want a CIBIL enquiry and later face rejection because I already have a secured credit card.
My two cents:

U don't want cibil enquiry, but want's credit card.

I have 25 enquiries this yr. My cibil never fell below 770.
 
Pixel card results in a CIBIL enquiry even for existing card holders of HDFC bank , no way around that.
For existing card holders, they split the limit and transfer some portion to the Pixel Card. I am not sure if the same will apply for secured cards,but you can try.

P.S. Agree with Anupam, don't be scared of CIBIL enquiries, I have 15+ enquiries and my score is 799
 
I have an HDFC secured credit card (Moneyback), and due to that, I haven't received any credit card upgrade in the last three years. Now, the PayZapp app shows an LTF Pixel credit card offer with an 'Apply Now' option. Will it get approved? Can anyone with an HDFC secured credit card get another credit card from HDFC? I don’t want a CIBIL enquiry and later face rejection because I already have a secured credit card.
one or two extra cibil enquiries doesn't affect your credit score too much.
 
But why do you want this Pixel card?
There are so many better entry level cards like
Axis Airtel
SBI cashback
AU Lit
This is my first credit card. I now have Axis Flipkart and ICICI Amazon credit cards. I got this HDFC MoneyBack card for a small FD amount, so the credit limit is very low. If I get this Pixel credit card, even with a low limit, I may receive a limit enhancement in the future. I am only looking for another HDFC card for discount offers on online sites.
 
I asked my RM, and he said to cancel the current card and wait for a pre-approved offer. I don't know how much they know about it. I decided to keep the card, as it is my first credit card.
I closed my card .
The problem with secured card is we will never get limit enhancement or upgrade offer .

My experience:
Got hdfc millennia secured card on July month 2023 .
Jan 2024 removed lein amount of fd and converted from secured to unsecured card .
But later only realised they didn't convert it properly , just removed lein . But other things are still same .
So i closed my card feb 2025 since I didn't get limit enhancement or upgrade offer even after the convertion.

Will apply hdfc card after 6 months from the card cancellation date .
 
I asked my RM, and he said to cancel the current card and wait for a pre-approved offer. I don't know how much they know about it. I decided to keep the card, as it is my first credit card.
Appreciated bro.. keep it and ask on email for giving unsecured or converting it to unsecured on the basis of your spendings & years of keeping the card and using it.
 
I closed my card .
The problem with secured card is we will never get limit enhancement or upgrade offer .

My experience:
Got hdfc millennia secured card on July month 2023 .
Jan 2024 removed lein amount of fd and converted from secured to unsecured card .
But later only realised they didn't convert it properly , just removed lein . But other things are still same .
So i closed my card feb 2025 since I didn't get limit enhancement or upgrade offer even after the convertion.

Will apply hdfc card after 6 months from the card cancellation date .
You have done wrong. Now again you will have to wait for applying & after getting you still don't know when limit enhancement Triggers for you.
 
You have done wrong. Now again you will have to wait for applying & after getting you still don't know when limit enhancement Triggers for you.
I asked hdfc to convert the card into unsecured after I opened salary account there , then they agree to remove lien of fd but keep the existing limit .
70k+ salary got credited into my account every month , and my company is in their list.
My colleagues who applied card and spent less than that got limit enhancement twice ( they also have salary account) , but mine never got increased.

May i know what I have done wrong ?

My max limit in my other cards are 3L , but hdfc I got stuck at 1.2L for years .
I was suspecting , they simply removed lein amount but kept the other things same , so no limit enhancement and upgrade offer . I might be wrong but this thing bugging my brain for long time . That's why I closed my card.
Now take home salary increased to 85k , so I will apply again based on my salary or wait for pre-approved offer.
My wife already have 2 hdfc cards .
So I am not loosing anything on closing the card . Who knows , may be when they approve the card that time i may get higher limit .
Since my wife having hdfc card with 4.9L limit , I am ok to wait for years lol 😆.
 
I asked hdfc to convert the card into unsecured after I opened salary account there , then they agree to remove lien of fd but keep the existing limit .
70k+ salary got credited into my account every month , and my company is in their list.
My colleagues who applied card and spent less than that got limit enhancement twice ( they also have salary account) , but mine never got increased.

May i know what I have done wrong ?

My max limit in my other cards are 3L , but hdfc I got stuck at 1.2L for years .
I was suspecting , they simply removed lein amount but kept the other things same , so no limit enhancement and upgrade offer . I might be wrong but this thing bugging my brain for long time . That's why I closed my card.
Now take home salary increased to 85k , so I will apply again based on my salary or wait for pre-approved offer.
My wife already have 2 hdfc cards .
So I am not loosing anything on closing the card . Who knows , may be when they approve the card that time i may get higher limit .
Since my wife having hdfc card with 4.9L limit , I am ok to wait for years lol 😆.
If salary is less than 1.5l, for fresh application, you will get millennia again and the limit will be again two times of salary so maybe 2 lacs.

But as i remember when I closed and reapplied they gave me half of the previous limit and it took me an year again to reach my previous limit.

Took 3.6 years in total to get dcbm.
 
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