Regalia Gold HDFC Still Offering LTF Cards for C2C?

[jyothisthaliath]

Came to know from friends that they have got HDFC cards as LTF in Feb and Mar 2024 when they applied through C2C process. I think I was a little late to the party, I asked around to few agents I know. They are saying LTF offer was only limited time offer during Financial year end.

Is that true? Or do I still have any chance of getting HDFC card as LTF through C2C? I don't have account or any previous relationship with HDFC. I have ICICI card with 5 L limit and Axis card with 3.4 L. Was thinking to get Regalia Gold card if I get LTF

 

[Vasuki]

Didn't get you. Won't they do address verification of my friend's address? And won't that address be needed in CIBIL?

Yes it will be reported
But agent will manage all that .
If he is friendly
& If u say that u want to show WFH
( LEGIT INCOME) BUT ADDRESS DIFFERENT.

U CAN APPLY AS SELF EMPLOYED BUT IT restricts you in hdfc

Hence PPL choose pre approved in hdfc rather than C2C apply

 

[shivamk]

Y e s. 1.15L for millenia. 3.35L fd for regalia gold. Card above that will require special approval.

Better to wait for HDFC to rollout C2C offers again, may be near quarter end?

 

[shivamk]

Yes it will be reported
But agent will manage all that .
If he is friendly
& If u say that u want to show WFH
( LEGIT INCOME) BUT ADDRESS DIFFERENT.

Got it, need to find a good agent then. I also tried to mail my HR to enrol for LTF cards with HDFC since we already have a corporate tie up with them but HR ignored it.

U CAN APPLY AS SELF EMPLOYED BUT IT restricts you in hdfc

No point in applying self employed then.

Hence PPL choose pre approved in hdfc rather than C2C apply

Regalia Hold LTF as pre-approved sounds next to impossible at least

 

[Vasuki]

Regalia Hold LTF as pre-approved sounds next to impossible at least

Why u even want regalia LTF .
Millniea is more than enough in hdfc
Then go to DCB directly

 

[kvndsz512]

Regalia Gold. Bro said he applied C2C with ICICI card having 6 Lacs limit. That's all. No other relationship with HDFC

what limit he got in hdfc ?

 

[Vasuki]

what limit he got in hdfc ?

1.25 he said

 

[shivamk]

Why u even want regalia LTF .
Millniea is more than enough in hdfc
Then go to DCB directly

DCB sounds out of my range and the next candidate comes out to be RG. One more reason for RG is lounge access for add on members. I have SBI Cashback so Millenia might not be that useful.

I would have thought about getting paid card but the place where I live has very less acceptance for credit cards and I won't be able to reach milestones to milk the benefits.

 

[Vasuki]

DCB sounds out of my range and the next candidate comes out to be RG. One more reason for RG is lounge access for add on members. I have SBI Cashback so Millenia might not be that useful.

I would have thought about getting paid card but the place where I live has very less acceptance for credit cards and I won't be able to reach milestones to milk the benefits.

RG IS BENEFICIAL WITH 7.5 LAKH milestone.
Or if it's ltf that's different case scenario

 

[shivamk]

RG IS BENEFICIAL WITH 7.5 LAKH milestone.
Or if it's ltf that's different case scenario

Yeah I am targeting LTF only. DCB LTF nhi denge HDFC waale

 

[Vasuki]

Yeah I am targeting LTF only. DCB LTF nhi denge HDFC waale

True DCB ltf requires good long standing relationship & most important luck

Our legend @techt was denied millniea even though he has 12 lakh limit on moneyback 😍

 

[shivamk]

True DCB ltf requires good long standing relationship & most important luck

Agreed

Our legend @techt was denied millniea even though he has 12 lakh limit on moneyback 😍

Closing the card seems the only way out here.

 

[Vasuki]

Agreed

Closing the card seems the only way out here.

No no ..
Why would he close with 12 l limit 😁

He doesn't spend much that's why he got denied - my input

 

[techt]

No no ..
Why would he close with 12 l limit 😁

He doesn't spend much that's why he got denied - my input

I would have closed it even if it had 15L limit as I have other cards with good CLs. But, I have Tata Neu Infinity and applying a core card with floater card is impossible.

My spends are extremely low on this card and the system might have flagged me against upgrades it seems.

 

[Vasuki]

I would have closed it even if it had 15L limit as I have other cards with good CLs. But, I have Tata Neu Infinity and applying a core card with floater card is impossible.

Hdfc is also extended version of
10% offer card like sbi
Don't close 💯

 

[Trust Me]

Apply with axis u will get sensible limit
And depending on limit u will get the card

in c2c, always apply with sbi/amex/axis/hdfc, they try to match the credit limit. Rest they don't entertain much

When I applied C2C for my Axis Select card (as a Burgundy customer) based on my HDFC card, I was given a credit limit that was just 1/6 th of the base card limit!

Do HDFC happen to respect Axis more than the other way around?
.

 

[Vasuki]

When I applied C2C for my Axis Select card (as a Burgundy customer) based on my HDFC card, I was given a credit limit that was just 1/6 th of the base card limit!

Do HDFC happen to respect Axis more than the other way around?
.

Axis is somewhat respected by hdfc unlike icici
Which gets banged by even idfc

 

[techt]

Hdfc is also extended version of 10% offer card like sbi

Most of the times those 10% are upto 1K etc.. for buying items that are 20K above , SBI CB is far better.

 

[Trust Me]

He doesn't spend much that's why he got denied - my input

My spends are extremely low on this card and the system might have flagged me against upgrades it seems.

He doesn't spend much because it makes no sense to spend much on that card!

And the system doesn't need to be sophisticated at all to flag that (if it does so), because there would very likely be an one-to-one correlation between that particular card and no spends!

-- My input (based on first hand experience with a very similar situation).
.

 

[Trust Me]

Yeah ltf under c2c was till march 31st. Only ltf against fd offer is extended till April end.

What could happen if I applied for a secured card (FD based) without closing my Moneyback card?
.

 

[Vasuki]

What could happen if I applied for a secured card (FD based) without closing my Moneyback card?
.

U have to take permission from bm for 2 core card ..
He will get special approval for you or
Lien you fd to increase your existing cc & based on l.e u can variant change depending on limit