HDFC Bank Preapproved Diners Privilege Card

[Amitt Aryan]

Today I got this banner for 2nd time.

Its again HDFC Diner Previlege Card which I rejected in February, 2022.

I was interested for HDFC Regalia.

I thought Hdfc will offer Regalia but again they offered the same with increased limit of just 25k. ☹️😏

Also, its spend based preapproved with charges Rs. 2500/-.
Not unconditional LTF.

Now I am in dilemma, should I accept it or not.😋🤣

 

[moonsmart]

Your card maybe Diners club or may not be, but DCC has nothing to do with diners club. My friend applied for moneyback plus and Application red starts with DCC, its just the reference number.




Not true.

This was not a pre-approved application right? Bcoz when I applied for mom 2 days ago, the application number page was quite different.

 

[lineageos]

Is it advisable to go with Shoppers Stop Credit Card, which is LTF and then upgrade it to another variant like Millennia?(hoping they'll agree on LTF reqeust)
Does HDFC approve request to upgrade from existing co-branded credit cards to a higher varient easily?

 

[Rashya]

This was not a pre-approved application right?

Was an enquiry made in cibil? If no enquiry in cibil then I think it is pre approved

 

[thunderbolt]

Did you got business moneyback card pre-approved initially and waited to get Millennia or directly got Millennia?

Directly got millenia

 

[moonsmart]

Directly got millenia

Alright so in your employment profile in netbanking, it was salaried? And while applying from the pre-approved offer you chose employment type as self-employed?

 

[thunderbolt]

Alright so in your employment profile in netbanking, it was salaried? And while applying from the pre-approved offer you chose employment type as self-employed?

In netbanking employment profile it is "self-employed professional", yes selected "self-employed" while applying. Also I didn't get any CIBIL enquiry for that.

 

[moonsmart]

In netbanking employment profile it is "self-employed professional", yes selected "self-employed" while applying. Also I didn't get any CIBIL enquiry for that.

Cool, the only difference in my profile was self-employed business, maybe that's why I got Business Moneyback instead of Millennia despite having 1.5L offer. Should I change the profile now? Got Pre-approved offer first time in this account since opening it in Oct, 2020.

 

[thunderbolt]

Cool, the only difference in my profile was self-employed business, maybe that's why I got Business Moneyback instead of Millennia despite having 1.5L offer. Should I change the profile now? Got Pre-approved offer first time in this account since opening it in Oct, 2020.

Might be but not sure, I upgraded from Millenia to Regalia recently. I had sent my ITR as income proof for the upgrade. I was expecting Business Regalia since I was self-employed but they sent Regalia instead.

 

[moonsmart]

Might be but not sure, I upgraded from Millenia to Regalia recently. I had sent my ITR as income proof for the upgrade. I was expecting Business Regalia but they sent Regalia instead.

Does Business Regalia works in discount offers on Amazon/ Flipkart during sale? Isn't it excluded? Or only corporate cards are excluded?

 

[dhiraz]

Can we take multiple credit card from HDFC Bank?

 

[moonsmart]

Can we take multiple credit card from HDFC Bank?

Usually they only 1 but some people get through approval basis, need to have good relationship value.

 

[Amitt Aryan]

Update :
Diners privilege card approved.

After 10 days of applying that preapproved offer from netbanking.
-> 2 Cibil enquiry.
-> 1 Home verification & IPV
-> 1 Escalation mail.

Result :
Approved with 3L limit.
Card is about to dispatch.

 

[moonsmart]

Update :
Diners privilege card approved.

After 10 days of applying that preapproved offer from netbanking.
-> 2 Cibil enquiry.
-> 1 Home verification & IPV
-> 1 Escalation mail.

Result :
Approved with 3L limit.
Card is about to dispatch.

Why two cibil enquiries?
I too got pre-approved offers on all three family accounts around the same time as yours, all the cards are already delivered and there was just one cibil enquiry. The whole process went pretty smoothly.

Did you changed the employment profile from netbanking, or entered different employment type while filling out the application while applying?

Congratulations for the diners privilege card 🎉🎉

 

[zealot]

Update :
Diners privilege card approved.

After 10 days of applying that preapproved offer from netbanking.
-> 2 Cibil enquiry.
-> 1 Home verification & IPV
-> 1 Escalation mail.

Result :
Approved with 3L limit.
Card is about to dispatch.

Can we need show any documents during IPV?

 

[Amitt Aryan]

Can we need show any documents during IPV?

No documents asked.

 

[zealot]

No documents asked.

Oh okay then, how long they take for IPV after applying for the CC

 

[Amitt Aryan]

Why two cibil enquiries?
I too got pre-approved offers on all three family accounts around the same time as yours, all the cards are already delivered and there was just one cibil enquiry. The whole process went pretty smoothly.

Did you changed the employment profile from netbanking, or entered different employment type while filling out the application while applying?

Congratulations for the diners privilege card 🎉🎉

Thank you.

No change in employment.

Even I was in doubt about 2 enquiries.
I have escalated it asking for the reason.
2 cibil enquiries for the same application just after another day.

I think it may be due to the fact that my company is not in their list.
I am just assuming, may be some other reason for this hassle.
It may not be due to cibil score for sure as it was 779 before applying.

 

[Amitt Aryan]

Oh okay then, how long they take for IPV after applying for the CC

My IPV was done just after 1 working day of applying.
Before that I got a call asking whether I have applied it or not.
Then IPV.
I said its work from home so may be due to that no office verification done.

 

[zealot]

My IPV was done just after 1 working day.

Nice

 

[Dhruvit.S]

Today I got this banner for 2nd time.

Its again HDFC Diner Previlege Card which I rejected in February, 2022.

I was interested for HDFC Regalia.

I thought Hdfc will offer Regalia but again they offered the same with increased limit of just 25k. ☹️😏

Also, its spend based preapproved with charges Rs. 2500/-.
Not unconditional LTF.

Now I am in dilemma, should I accept it or not.😋🤣

Hey how did u reject the offer first?
Did open the banner and at what step did you decline? Pls tell us to others can be benefited.