Regalia Gold Kickstarting My Banking Journey with HDFC for Pre-Approved LTF Credit Card Offers! 💳🚀

[Anindya98]

With advice from @SSV & @Anupama_Jha, I reopened my HDFC journey after closing my Tata Neu Plus CC (74K limit) since they refused to upgrade it to Infinity or a core card. Got the 2nd-year fee waived with 87K spends but finally closed it in Jan 2025.

Opened a Max Savings Account on 24th March 2025, received all details the next morning, and the welcome kit was dispatched on 28/03/2025 - Delivered by 30/03/2025.

Welcome Kit Includes:
✅ HDFC New Platinum DC
✅ Passbook
✅ 5 Leaves Cheque Book

However, they sent the New Platinum DC by default, which is pretty useless!
Now, I need to request the Millennia DC, but the upgrade section still shows Platinum DC along with Millennia & Business DC.




Is the Millennia DC free with the Max Savings account?
I plan to use this as a semi-primary account after IDFC.
Any suggestions on how to speed up the pre-approved offer?
My main goal is to secure an HDFC core card (Regalia Gold or above) as LTF with a good limit.
Millennia will not be useful for me as I hold SBI CB, ICICI Apay, and FK Axis.

Update(31-03-2025): Applied the Millennia DC Timeline
📅 31st March – Applied
📦 2nd April– Dispatched
📬 3rd April – Delivered



Suggestions are welcome! Share your journey on how you received the offer or the process you followed to get it.
@kuchbhi @Mr. Bean @BVC @vaibhav111 @helloworld @Aniket
Check Post Number 31 by @Fini7777

 

[Fini7777]

@Anindya98

I am sharing here the three different Journeys - three different possibilities​

1. My Mother’s Credit Card Journey​

• Started with HDFC Classic Banking (Primary Acc Holder in the Group) in 2021 with a ₹5L FD.
• Within a month, she received a Biz MB CC with a ₹50K limit.
• Used the card occasionally and received frequent LEs
• After a year (2023), she received an offer for a FYF Business Regalia(3L). Though not the best option, she took it.
• Used the Biz Regalia rarely and later requested an LTF conversion through the RM and customer care both refused.
• Decided to downgrade the Biz Regalia to Millennia FYF via email. After spending ₹1L, she requested an LTF conversion, which was approved.
• In 2024, she received a ₹5L LE and an upgrade offer to Regalia Gold (RG) FYF. Waited for a month, and the offer refreshed to Regalia Gold LTF, which she availed.
• She didn't spend much on any card and did not reach the fee waiver condition
• Final Journey: Biz Moneyback → Biz Regalia → Millennia → Regalia Gold LTF

2. My Credit Card Journey​

• Started with HDFC Preferred Banking (No FD) in 2023. (Joined as member in Group)
• Received a pre-approved MB+ FYF with a ₹75K limit.
• Later applied for Swiggy FYF and maintained a decent balance but without an FD.
• Sent multiple emails for LTF conversion, but no luck. No LEs either.
• Closed both cards and waited a few months.
• In 2024, applied for TNI FYF and got a ₹1.8L limit.
• Spent around ₹3L and requested an LTF conversion, but it was denied.
• Every time I reached the fee waiver condition
• 3-4 months later, upgraded TNI to Millennia FYF and currently using it.

3. My Cousin’s Credit Card Journey​

• Started with HDFC Preferred Banking in 2024 with a ₹10L FD.(Not a primary acc holder)
• Maintained only ₹10K in the savings account, didn’t use the debit card, and had no significant transactions.
• Exactly 3 months after the account opening, he received a pre-approved Swiggy LTF with a ₹3L limit.

My Advice​

1. Don't apply for any basic cards until you get the one you truly want. It may take some time.
2. Start with Millennia/DCP FYF/LTF, ensuring a minimum limit of ₹1.5L.
3. Make it your primary card and use it as much as possible.
4. Wait with patience; they will offer some useless cards or LEs like I mentioned in my experience , Don't avail any such offers
5. SavingsMax may not be helpful; upgrade to Classic if you can.
6. if you're the primary account holder in ur family group chances of getting premium cards as LTF is very high.