HDFC pre approved offer LTF or not?? Confusion

[GTSaketh]

Few months ago I used to get DCP LTF pre-approved offer emails and when I actually enter my phone number and check them HDFC website it used to show as Lifetime Free Card. But I was waiting for Millennia LTF offer, so i ignored it.

I got an email my offers has been refreshed recently and on checking pre approved offers, I got millennia as Paid. So i was gonna ignore and wait for LTF offer. But I am keep getting Lifetime Offers emails (Attached Below).




Usually Like last time I got DCP LTF offers, when checking it through these links from emails it used to show as Lifetime Free Card. But here even after checking through email link it's showing as Paid.
So i escalated it to HDFC cc team and this is response I got:

So, should I risk applying to it even though it's shows as Paid as told by escalation team or wait for it to actually show as Lifetime Free Card in future offers?

 

[Anindya98]

Have you got any of them, LTF
I am also seeing the same LTF offer with Freedom or MoneyBack+ images

 

[GTSaketh]

Have you got any of them, LTF
I am also seeing the same LTF offer with Freedom or MoneyBack+ images

As I said in post. DCP used to show as Lifetime Free Card in Application. But now both DCP and Millennia are showing as Paid

 

[Anindya98]

As I said in post. DCP used to show as Lifetime Free Card in Application. But now both DCP and Millennia are showing as Paid

In the email, they stated that it will be LTF, as you shared.

 

[GTSaketh]

In the email, they stated that it will be LTF, as you shared.

Can we put trust on that?

 

[Humanbeing]

You're in a peculiar situations. Though I would advise you to wait for a LTF of Millennia coz you're not far away from the getting one for yourself and if you can't resist your temptation to apply (Coz HDFC does play with customers psychology of temptations) I would advise you to read T&C thoroughly & keep each & every communication records with customer care for future reference if things go south & ask them to give it LTF else you're not activating the card (You get 35 days for activation) until it is not made LTF.
All the best.

 

[Anindya98]

Can we put trust on that?

Yes, you have the Email confirmation

 

[SnowLucifer]

You have got the email as ltf just show that to them if you receive paid card after applying. They will convert it to ltf card.

 

[GTSaketh]

So, I called my RM just incase. He is saying not to apply. And he won't be responsible if I did apply now. He is telling me to wait untill I get LTF offer.

He also check himself using my customer id. Even there both are showing as paid apparently.

 

[GTSaketh]

You're in a peculiar situations. Though I would advise you to wait for a LTF of Millennia coz you're not far away from the getting one for yourself and if you can't resist your temptation to apply (Coz HDFC does play with customers psychology of temptations) I would advise you to read T&C thoroughly & keep each & every communication records with customer care for future reference if things go south & ask them to give it LTF else you're not activating the card (You get 35 days for activation) until it is not made LTF.
All the best.

If I get the card and not activate. Will I get a pre approved offer again? That's the thing I am concerned about. I waited for 1 year, so i don't mind waiting.

 

[AkashnAkashn is verified member.]

If I get the card and not activate. Will I get a pre approved offer again?

No no dont do that. Wait for better offer.

If limit is good then I'd say take this card. 1L on this card is easy to spend for waiver.. You can try converting to LTF later..

 

[Humanbeing]

If I get the card and not activate. Will I get a pre approved offer again? That's the thing I am concerned about. I waited for 1 year, so i don't mind waiting.

Yes 100% for sure but you need to tweak the spend pattern of HDFC. I was in a similar situation & did not activate the card. Now I have received the DCP LTF but not interested to get. You will surely get LTF Millennia if you just wait for next 6 months or so.

 

[Sahil_07]

I have closed my all 3 hdfc credit cards which were 1.5 years old. Also I have classic banking. After how many days can I expect pre approved offers like millenia or DCP?

 

[GTSaketh]

Applied For it

 

[Anindya98]

I have closed my all 3 hdfc credit cards which were 1.5 years old. Also I have classic banking. After how many days can I expect pre approved offers like millenia or DCP?

3 - 6 months

 

[2025]

Few months ago I used to get DCP LTF pre-approved offer emails and when I actually enter my phone number and check them HDFC website it used to show as Lifetime Free Card. But I was waiting for Millennia LTF offer, so i ignored it.

I got an email my offers has been refreshed recently and on checking pre approved offers, I got millennia as Paid. So i was gonna ignore and wait for LTF offer. But I am keep getting Lifetime Offers emails (Attached Below).

View attachment 98856
View attachment 98857View attachment 98859
View attachment 98860
Usually Like last time I got DCP LTF offers, when checking it through these links from emails it used to show as Lifetime Free Card. But here even after checking through email link it's showing as Paid. View attachment 98861
So i escalated it to HDFC cc team and this is response I got:
View attachment 98862
So, should I risk applying to it even though it's shows as Paid as told by escalation team or wait for it to actually show as Lifetime Free Card in future offers?

I would suggest not to apply.
1. Reply them.
2. Take confirmation.
3. If positive, then only apply. Else wait.

To tease them, visit that page then return without applying. Though your RM may call u for that.

 

[GTSaketh]

I would suggest not to apply.
1. Reply them.
2. Take confirmation.
3. If positive, then only apply. Else wait.

To tease them, visit that page then return without applying. Though your RM may call u for that.

Already Applied.

Incase if they say it's paid I will just go to RBI. I have written mail confirmation right?

 

[6ix9ine]

Already Applied.

Incase if they say it's paid I will just go to RBI. I have written mail confirmation right?

Go to PNO first, then RBI.

Also, you don't need to activate the card. Once you receive it, ask customer care about the status. If they say it's paid tell them you ain't activating it.

They will ask why, explain them that you got told it will be LTF and you have proofs as well.

He/she may take a service request, and if it gets approved, congratulations else go to PNO. If PNO denies as well. Go to RBI.

You have to do all this within 30 days else card will be deactivated.

If I were you, I would not have applied as RM already told "no".

 

[GTSaketh]

Go to PNO first, then RBI.

Also, you don't need to activate the card. Once you receive it, ask customer care about the status. If they say it's paid tell them you ain't activating it.

They will ask why, explain them that you got told it will be LTF and you have proofs as well.

He/she may take a service request, and if it gets approved, congratulations else go to PNO. If PNO denies as well. Go to RBI.

You have to do all this within 30 days else card will be deactivated.

Thanks for the information. Will do as you said.

Also 30 days from what application approved date or card delivery date?

 

[6ix9ine]

Thanks for the information. Will do as you said.

Also 30 days from what application approved date or card delivery date?

30 days from the date of issuance