HDFC Pre-Approved Credit Card Offers

[crazyuploader]

Hi,

I opened Savings Max online account in HDFC Bank in January this year, with the thought of holding a Credit Card from HDFC Bank for offers, etc. After ~3 months of usage, and maintaining 26-28k balance, Pre-Approved offers started popping up in NetBanking as well as through emails. Firstly it was 2 wheelers loan, then 4 wheelers, so on. Finally started getting HDFC MoneyBack+ Credit Card offer as well, it had yearly charges, later I started getting conditional LTF. Now, I keep emails from them daily regarding a LTF Credit Card which is MoneyBack+, thought I'd get Millenia, if it was given as LTF, BTW I do have SBI Cashback Credit Card. Anyways, attaching some screenshots below. My question is that —

1. Should I avail the MoneyBack+ Card only? They say limit up-to 40,000 INR most of the time.
2. Or should I wait in hope for Millenia as LTF? If they provide it as Pre-Approved that is.
3. I also have SBI SimplySAVE Credit Card with 1L limit, which was recently increased so don't have more than one statement reflecting the same, should I try C2C for HDFC Millenia Credit Card as LTF?
4. And finally, since my account is Savings Max, I am supposed to maintain 25,000 INR MAB, but for some reason the same isn't reflected in the NetBanking, and so can I use the fund at times?

Thanks in advance.

 

[varun__goel_]

BTW guys would I get this 500 INR voucher as activation benefits?

Also, I've emailed HDFC to confirm the LTF thing, but they are taking time to respond. Should I call them? Also would it mentioned in the welcome kit somewhere?

Jo sab likha hai, vo har cheez milega. Bas धैर्य rakhna hoga🙂

 

[crazyuploader]

Jo sab likha hai, vo har cheez milega. Bas धैर्य rakhna hoga🙂

Indeed, let's see😁

 

[Chaitanya-a]

I don't actually have any salary slips, just ITR is all I have, and that too 4L, so don't think they'd increase the limit, or would they?

They won't consider this. HDFC is so laggard in terms of Limit enhancement. If you have exceptional relationship with them, then only they'll provide you LE.

 

[crazyuploader]

They won't consider this. HDFC is so laggard in terms of Limit enhancement. If you have exceptional relationship with them, then only they'll provide you LE.

I will pass, made up my mind, 60K is not that bad of a limit, considering 20K shopping limit that I get on it monthly. Also, how much is the cashback for IRCTC booking through SmartBuy on this card?

 

[Chaitanya-a]

I will pass, made up my mind, 60K is not that bad of a limit, considering 20K shopping limit that I get on it monthly. Also, how much is the cashback for IRCTC booking through SmartBuy on this card?

You'll get 5% regular cashback on IRCTC Smartbuy plus 1% Millenia cashback. This 1% cashback compensates for 1% convenience fees levied by Smartbuy on using Credit card. So net 5% cashback.

 

[crazyuploader]

Congrats man! You've got this gift in return of patience. So its proven waiting for better offer pushes HDFC to offer LTF card.

Just buy an Amazon GV of ₹500 from Amazon to get voucher. Why to pay convenience charge for wallet load. Instead get 5% cashback on your GV purchase plus ₹1500 voucher.

So, I did that as well, and a bought an Amazon Gift Card worth 600 INR, the transactions details mentioned "AMAZON GIFT CARD", good to go?

 

[Chaitanya-a]

So, I did that as well, and a bought an Amazon Gift Card worth 600 INR, the transactions details mentioned "AMAZON GIFT CARD", good to go?

Yes you're good to go. You'll get 5% cashback plus another ₹1500 GV.

 

[crazyuploader]

Yes you're good to go. You'll get 5% cashback plus another ₹1500 GV.

Thanks for the info, so I received the card today, and it looks good!

And rest of my CCs so far, misplaced Amazon Pay ICICI Bank Credit Card somewhere (didn't lose it), so in total they are 8 credit cards now.

 

[Trust Me]

HDFC is so laggard in terms of Limit enhancement. If you have exceptional relationship with them, then only they'll provide you LE.

Who knows how HDFC's logic works!

I've received regular LEs automatically while maintaining a regular account with < 15k average balance and no large credits, plus regular (but moderate) CC usage!

 

[crazyuploader]

Hey guys, it's been a while, just wanted to ask when do we get those signup bonus rewards?