Millennia HDFC Pre-approved CC offer updated from MONEYBACK+ to MILLENIA in just 2 Months of Wait.

[uipolo]

I wanted to share my experience for those who are waiting and wondering whether patience with HDFC pays off.

Around 10 June 2025 –I got pre-approved credit card offer with limit upto ₹56K, with only MoneyBack+, Swiggy, and IndianOil variants showing. All were paid but within a week all cards started showing as LTF.

I was very disappointed withcard varient and also with limit provided. So, After suggestion from @SSV and @GTSaketh , I decided to upgrade my account to Classic banking ( Gramin Vishesh Banking)

On 29 June 2025 – I upgraded my regular savings account to VISHESH BANKING.

After upgrading account to VISHESH BANKING :-

Early July 2025 – Pre-approved limit increased from 56k to ₹63K, but still the same card variants.

11 August 2025 – Limit increased again, this time to ₹1,00,000, still same variants.
Also DCEMI increased from 60k to 125k

Today (12 August 2025) – Card variant list finally changed, and Millennia Credit Card is now showing as pre-approved LTF


View attachment 106403

Observation:
After upgrading to Vishesh Banking, my pre-approved limit increases came faster and in bigger jumps .

Now that Millennia is finally showing, should I apply myself directly through NetBanking or go via an HDFC credit card agent for NO ANY VERIFICATION.

It's gonna be my first UNSECURED CC.
Now, I WILL BE NO MORE CC VIRGIN 🙃.

Thanks Technofino members for helping me to get my first ever unsecured cc as MILLENIA CC .
Special thanks to @SSV and @GTSaketh .

Edit 1.
Finally my cc is approved but with 75k limit only .🙂 today(13/08/2025)

 

[HumorSimpson]

Apply directly. Agent will goof up. If possible pick rupay variant of Millenia

 

[uipolo]

Apply directly. Agent will goof up. If possible pick rupay variant of Millenia

I am a student and worried if they will do any physical verification if I apply by myself.

My employment detail is Salaried in hdfc account. and thinking to fill same as SALARIED in Credit card application.
So have doubt what to do.
Should I call my RM or just apply by myself, I will lack some VOUCHER but it will be ok. What to do , please help 👋

 

[Avatar Aang]

I am a student and worried if they will do any physical verification if I apply by myself.

My employment detail is Salaried in hdfc account. and thinking to fill same as SALARIED in Credit card application.
So have doubt what to do.
Should I call my RM or just apply by myself, I will post some VOUCHER but it will be ok. What to do , please help 👋

Doesn't matter. You'll get it. They won't do any verification.

 

[Kumar93196]

How to upgrade to Vishesh banking and Whats the MAB?

 

[uipolo]

I

Doesn't matter. You'll get it. They won't do any verification.

I am getting messages to apply for LTF CC but after checking it is showing all PAID card. What to do now HDFC is misleading . Any way to confirm whether it is LTF or not.

Earlier All previous varient was showing LTF after checking including SWIGGY and INDIAN OIL but now both are showing paid including MILLENIA.
What to do now

 

[rahulj87]

It's a common thing in HDFC. They will always send misleading offers and in application page shows otherwise. Only thing to do is wait to get better offer as this card is pre approved as a paid one in this scenario.

 

[uipolo]

Apply directly. Agent will goof up. If possible pick rupay variant of Millenia

No option to pick rupay. It is showing in mastercard variant . Any way to get it in Rupay varient

 

[uipolo]

It's a common thing in HDFC. They will always send misleading offers and in application page shows otherwise. Only thing to do is wait to get better offer as this card is pre approved as a paid one in this scenario.

Should I apply through LTF link of hdfc which they are sending to me and later show them and convert it to LTF ❓ . What's your suggestion?

 

[rahulj87]

L

Should I apply through LTF link of hdfc which they are sending to me and later show them and convert it to LTF ❓ . What's your suggestion?

LTF is possible only if the application page shows card as LTF. It's better to wait for it as converting to LTF will be a big hassle after card is shown as paid in application page.

 

[RAHUL GOYAL]

I wanted to share my experience for those who are waiting and wondering whether patience with HDFC pays off.

Before 29 June 2025 – My pre-approved LTF credit card limit was ₹56K, with only MoneyBack+, Swiggy, and IndianOil variants showing.

AFTER SUGGESTION FROM @SSV and @GTSaketh on

29 June 2025 – I upgraded my regular savings account to Vishesh Banking.

Early July 2025 – Pre-approved limit increased to ₹63K, but still the same card variants.

11 August 2025 – Limit increased again, this time to ₹1,00,000, still same variants.

Also DCEMI increased from 60k to 125k
View attachment 106401

Today (12 August 2025) – Card variant list finally changed, and Millennia Credit Card is now showing as pre-approved .
View attachment 106403

Observation:
After upgrading to Vishesh Banking, my pre-approved limit increases came faster and in bigger jumps .

Now that Millennia is finally showing, should I apply myself directly through NetBanking or go via an HDFC credit card agent for NO ANY VERIFICATION.

Now, I WILL BE NO MORE CC VIRGIN 🙃.

Thanks Technofino members for helping me to get my first ever unsecured cc as MILLENIA CC .
Special thanks to @SSV and @GTSaketh .

account upgrade kaise kiya

 

[HumorSimpson]

Getting the card 💳 itself is a big deal. Getting a good CL is even a bigger deal.

Just apply. Whatever the variant, what ever may be the fee.

HDFC Millenia rewards the usual 1% cb for education fees. If your annual education fee + online spends hit 1L, it's effectively free for you 😀

BTW there is a calendar 📅 quarterly milestone, for a spend of 1L in calendar quarter you get 1K agv.

 

[SSV]

I am a student and worried if they will do any physical verification if I apply by myself.

My employment detail is Salaried in hdfc account. and thinking to fill same as SALARIED in Credit card application.
So have doubt what to do.
Should I call my RM or just apply by myself, I will lack some VOUCHER but it will be ok. What to do , please help 👋

Just DM @GTSaketh ..He had followed my advices for more than 18 months or so and got his Millennia LTF with a very decent CL..

His profile is just like your's...
He will answer all your questions..

All the best...

Post in thread 'HDFC pre approved offer LTF or not?? Confusion' https://www.technofino.in/community...offer-ltf-or-not-confusion.41280/post-1033203

 

[uipolo]

account upgrade kaise kiya

JIsne mera account khola tha uska number tha mere pass maine call karke usko bola Mera account CLASSIC BANKING( gramin vishesh Banking)mei upgrade kar do.
Toh unhone upgrade kar diya aur abhi wahi mere RM hai.

 

[RAHUL GOYAL]

JIsne mera account khola tha uska number tha mere pass maine call karke usko bola Mera account CLASSIC BANKING( gramin vishesh Banking)mei upgrade kar do.
Toh unhone upgrade kar diya aur abhi wahi mere RM hai.

acha matlab mujhe branch jana padega or main city mein toh mera account vishesh mein nahi classic mein upgrade hota hoga

 

[CRN]

If you can wait a little more, you will eventually get the ltf offers soon. Since you're a student & your banking profile mentioned that you're salaried, I'd advise you to apply via RM/branch for ease of application process & most probably you will bypass the physical verification process.
Telling my own experience, I had preapproved ltf Millennia, so I thought of applying by myself (big mistake), and it was declined by the bank, citing location not serviceable, but what is most appalling is to see that last year my hdfc credit card was approved for a similar address/location, which I later closed without activation. I don't know what changed over the course of a year in their so-called internal policies.

 

[cardy]

main city mein toh mera account vishesh mein nahi classic mein upgrade

Sahi pakde !

 

[Sree CC]

I wanted to share my experience for those who are waiting and wondering whether patience with HDFC pays off.

Before 29 June 2025 – My pre-approved LTF credit card limit was ₹56K, with only MoneyBack+, Swiggy, and IndianOil variants showing.

AFTER SUGGESTION FROM @SSV and @GTSaketh on

29 June 2025 – I upgraded my regular savings account to Vishesh Banking.

Early July 2025 – Pre-approved limit increased to ₹63K, but still the same card variants.

11 August 2025 – Limit increased again, this time to ₹1,00,000, still same variants.
Also DCEMI increased from 60k to 125k

Today (12 August 2025) – Card variant list finally changed, and Millennia Credit Card is now showing as pre-approved .

View attachment 106403
View attachment 106401
Observation:
After upgrading to Vishesh Banking, my pre-approved limit increases came faster and in bigger jumps .

Now that Millennia is finally showing, should I apply myself directly through NetBanking or go via an HDFC credit card agent for NO ANY VERIFICATION.

It's gonna be my first UNSECURED CC.
Now, I WILL BE NO MORE CC VIRGIN 🙃.

Thanks Technofino members for helping me to get my first ever unsecured cc as MILLENIA CC .
Special thanks to @SSV and @GTSaketh .

Paid or LTF, go only for Millennia....

 

[Hope]

I

I am getting messages to apply for LTF CC but after checking it is showing all PAID card. What to do now HDFC is misleading . Any way to confirm whether it is LTF or not.

Earlier All previous varient was showing LTF after checking including SWIGGY and INDIAN OIL but now both are showing paid including MILLENIA.
What to do now
View attachment 106405

Apply paid millenia after approved use those ltf ss to convert it to ltf.

 

[uipolo]

If you can wait a little more, you will eventually get the ltf offers soon. Since you're a student & your banking profile mentioned that you're salaried, I'd advise you to apply via RM/branch for ease of application process & most probably you will bypass the physical verification process.
Telling my own experience, I had preapproved ltf Millennia, so I thought of applying by myself (big mistake), and it was declined by the bank, citing location not serviceable, but what is most appalling is to see that last year my hdfc credit card was approved for a similar address/location, which I later closed without activation. I don't know what changed over the course of a year in their so-called internal policies.

I am not in hurry. I can wait for LTF offer. 🙏