HDFC has Started Online Applications for Secured Credit Cards using FD

[darkjediknight]

You can now apply for FD based secured credit cards listed here (including Biz Black)

Apply for Credit Card Against Fixed Deposit Instantly | HDFC Bank

Apply for a Credit Card Against FD with HDFC Bank. Enjoy instant approval, no income proof required, earn reward points/cashback on eligible transactions & build your credit score.

www.hdfcbank.com

Example URL for Biz Black application: https://applyonline.hdfcbank.com/di...ebsite_organic_cc_on_fd_cat_pg_bizblack_metal

I tried to apply for Biz Black for a family member, but they didn't proceed saying FD is not eligible for the card. I tried with FD amount more than 6 lakhs.

Please share your experiences here in case someone is able to successfully apply for any card.

Found this on reddit today about probably eligibility of all cards. Source: /r/CreditCardsIndia/comments/1it0bpd/hdfc_eligibility_list_for_all_hdfc_credit_cards

 

[hender]

If the situation so demands, yes, I make out my points clearly n precisely. May not be palatable to many - inexperienced or with a tunnel-view.

Truth is hard and bitter to accept, not everyone's cup of tea.
The blending + phenomena you have is rare.
Remind me of S Naren of ICICI.

 

[Lalsingh22]

HDFC showing pre approved CC (Freedom & Moneyback+) against 60k FD on my account.
I have HDFC Pixel CC & Closed my Tata Neu Plus in December.

So, I have some questions.

1. I want Millennia CC (unsecured). Will I able to apply for it in near future if I take the Freedom & Moneyback+ (secured) right now.

2. Is there any charges (AMC) for Freedom & Moneyback+ (secured) ?

3. For online shopping & food delivery. Which Card is better Freedom or Moneyback+ (secured) ?

4. Should I take it or Wait for Millennia CC for pre approved ??

 

[Anindya98]

HDFC showing pre approved CC (Freedom & Moneyback+) against 60k FD on my account.
I have HDFC Pixel CC & Closed my Tata Neu Plus in December.

So, I have some questions.

1. I want Millennia CC (unsecured). Will I able to apply for it in near future if I take the Freedom & Moneyback+ (secured) right now.

Yes

2. Is there any charges (AMC) for Freedom & Moneyback+ (secured) ?

No

3. For online shopping & food delivery. Which Card is better Freedom or Moneyback+ (secured) ?

None

4. Should I take it or Wait for Millennia CC for pre approved ??

Wait for Millennia CC offer

 

[Lalsingh22]

@Anindya98 Some more questions !!

1. Will I able to apply for Millennia CC (Unsecured) [not Pre approved] after 6 months if I holding Moneyback+ (Secured)?
& What are chances that Millennia CC will approved ?

2. While applying for pre approved HDFC CC (Unsecured or Secured).
- Will they check Cibil ?
- Also, will they asked for ITR ?

3. How to increase my chances to get pre approved Millennia CC ?

4. How many HDFC CC a person can hold ?

 

[Anindya98]

@Anindya98 Some more questions !!

1. Will I able to apply for Millennia CC (Unsecured) [not Pre approved] after 6 months if I holding Moneyback+ (Secured)?
& What are chances that Millennia CC will approved ?

No idea

2. While applying for pre approved HDFC CC (Unsecured or Secured).
- Will they check Cibil ?

90% Chance no

- Also, will they asked for ITR ?

NO

3. How to increase my chances to get pre approved Millennia CC ?

using PayZapp & DC

4. How many HDFC CC a person can hold ?

Some hold 3-5

 

[Lalsingh22]

@Anindya98 Thanks for Answers 👍👍👍