Regalia Gold Is HDFC pulling a fast one on me? Need advice!

[CARDBITRAGE]

Hello fellow members! From this forum itself, we all have seen numerous people getting tricked by HDFC liberally using the term LTF. I want to be better prepared this time. In my pre-approved offers section, the infamous “LTF card” banner popped up. I clicked on the link only to find that it was indeed lifetime free, but I had to spend a particular amount(4L for Regalia Gold) every single year. I’m not sure I would probably spend that amount with a card that I personally don’t find very rewarding. So I just let it be. But then, I received a call from an agent claiming that it was actually LTF without any preset conditions. So I asked him to send that in writing, for which he now did. I have posted screenshots of the offer I received and as well as the confirmatory mail with this thread. So do you think I should trust the agent and apply for the card? If yes, what is the course of action I should take if I were to be charged the joining fees? I would highly appreciate your opinions on this post.
Thanks!

 

[Chaitanya-a]

The offer you got from actual HDFC is definitely not LTF. Its spend based waiver.

Please check if the email from agent came from official hdfc bank email ID or not. If it is, then you can proceed and claim LTF later on.

 

[Rkr]

As per your preapproved section in first screenshot, it is spend based fee reversal card...

Nowing coming to 2nd screenshot, Kindly show from where you have got the mail...then only we will tell whether it is genuine from Hdfc or outside hdfc..You hide your mail and show sender one here to come on any conclusion.

 

[4uziaul]

Hello fellow members! From this forum itself, we all have seen numerous people getting tricked by HDFC liberally using the term LTF. I want to be better prepared this time. In my pre-approved offers section, the imfamous “LTF card” banner popped up. I clicked on the link only to find that it was indeed lifetime free, but I had to spend a particular amount(4L for Regalia Gold) every single year. I’m not sure I would probably spend that amount with a card that I personally don’t find very rewarding. So I just let it be. But then, I received a call from an agent claiming that it was actually LTF without any preset conditions. So I asked him to send that in writing, for which he now did. I have posted screenshots of the offer I received and as well as the confirmatory mail with this thread. So do you think I should trust the agent and apply for the card? If yes, what is the course of action I should take if I were to be charged the joining fees? I would highly appreciate your options on this post.
Thanks!

I already suggested you the same thing in another thread, that if the mail is from official HDFC email ID just apply and if anything happens you always have proof.

 

[CARDBITRAGE]

The offer you got from actual HDFC is definitely not LTF. Its spend based waiver.

Please check if the email from agent came from official hdfc bank email ID or not. If it is, then you can proceed.

It is an official email id namexyz@hdfcbank.com
But again the email doesn't specify the LTF criteria. They can just claim that it was LTF based on spends. So I have asked the agent to send another mail specifying that it is LTF without any conditions.

 

[4uziaul]

It is an official email id namexyz@hdfcbank.com
But again the email doesn't specify the LTF criteria. They can just claim that it was LTF based on spends. So I have asked the agent to send another mail specifying that it is LTF without any conditions.

That is for them to interpret 😂 just go ahead an apply. They didn't mention any conditions.

 

[4uziaul]

By the way after you get the card call customer care and confirm the same and if it's not LTF just don't activate the card.

 

[Chaitanya-a]

It is an official email id namexyz@hdfcbank.com
But again the email doesn't specify the LTF criteria. They can just claim that it was LTF based on spends. So I have asked the agent to send another mail specifying that it is LTF without any conditions.

Yeah that is from official email ID. LTF means LTF on mail. If they had specified special criteria then only we can take any other meaning from this. Keeping this mail as proof, you can definitely convert your card into LTF.

 

[CARDBITRAGE]

Well, thanks for the reply guys. I will keep you apprised on this thread if they try anything funny. They most probably will make me work for that LTF. XD

 

[CARDBITRAGE]

Update: The agent gave me a call in the morning. He made me apply online myself through call using the HDFC DAP link. He insisted that this would be faster than the offline application and that he would still be responsible for my application as I provided his set of employee codes. The card is now approved.
The link I applied through- https://apply.hdfcbank.com/vivid/ccuiux_new#CC-Login

 

[CARDBITRAGE]

So I received a call supposedly from someone at HDFC that confirmed that all my HDFC cards are LTF. After hearing so many "great" things about HDFC, I've trust issues now. Should I mail them for confirmation again? @Chaitanya-a @4uziaul

 

[Chaitanya-a]

So I received a call supposedly from someone at HDFC that confirmed that all my HDFC cards are LTF. After hearing so many "great" things about HDFC, I've trust issues now. Should I mail them for confirmation again? @Chaitanya-a @4uziaul

You should have this in written as well. So its better to mail them and ask for confirmation once.

 

[4uziaul]

So I received a call supposedly from someone at HDFC that confirmed that all my HDFC cards are LTF. After hearing so many "great" things about HDFC, I've trust issues now. Should I mail them for confirmation again? @Chaitanya-a @4uziaul

Absolutely, don't trust any banks not only HDFC 😂

 

[non-employee_agent]

You already have proof if it's from an official email. But nothing stopping you from emailing them again.

 

[CARDBITRAGE]

You already have proof if it's from an official email. But nothing stopping you from emailing them again.

All I have at this point is verbal confirmation. I did drop a mail now. XD

 

[non-employee_agent]

All I have at this point is verbal confirmation. I did drop a mail now. XD

Regalia Gold LTF is pretty good IMO. A third party guy said he could get this LTF for me but i didn't trust them.

 

[4uziaul]

You already have proof if it's from an official email. But nothing stopping you from emailing them again.

He just wants to ensure, as he received two emails. One email was system-generated, which indicated a spend-based waiver, while the other email was from an employee using the official mail ID. Confirming the details won't cause any harm since he wants to avoid the hassle of proving it was a lifetime free card from the beginning. I understand his need for clarification.

 

[non-employee_agent]

He just wants to ensure, as he received two emails. One email was system-generated, which indicated a spend-based waiver, while the other email was from an employee using the official mail ID. Confirming the details won't cause any harm since he wants to avoid the hassle of proving it was a lifetime free card from the beginning. I understand his need for clarification.

Yes i adjusted do the same. Get multiple written emails confirming my cards are LTF. Never trust these slimy banks.

 

[4uziaul]

Regalia Gold LTF is pretty good IMO. A third party guy said he could get this LTF for me but i didn't trust them.

Best to way test if the person calling you is third party or not, by asking him about other Bank Cards 😂

 

[non-employee_agent]

Best to way test if the person calling you is third party or not, by asking him about other Bank Cards 😂

Why is there no law against these guys claiming to be from the company? RBI should be putting a fine on banks for this Indian and shady behaviour..