My HDFC Credit Card Journey – Still Waiting for Pre-Approved Offer

[uipolo]

I am credit card Virgin 😂. @SSV
@Abhishek012

BASIC PROFILE
>Regular Account with HDFC: Opened on 2th December 2024
>AMB/AQB required - 0, Not done any FD.
Branch manager told me to maintain 2.5 k . But nonewhere shows how much to maintain AMB everytime it show AMB 0. ( attached NET BANKING and MOBILE BANKING pic where it shows AMB 0) PRODUCT CODE is 100.


~Currently maintaing AMB: ₹1.5 lakh from April
~SPENDING from debit card 50k /Monthly from April
>Profile updated one month ago from SELF EMPLOYED TO SALARIED, income 7-10 lakh.( Obviously fake income and occupation detail 😂 , as I am unemployed)

CREDIT PROFILE
CIBIL Score (TransUnion): 761.Credit History Length: 6 months
~Till date Having only one Secured credit card
Limit: ₹4,500. Usage: Regular with full payments, no default. Uses below 20%

/Promotional Messages Received:
>From March to mid-May 2025, I consistently received emails and SMS from HDFC like:
>You’re PRE- ELIGIBLE for HDFC Credit Card”
> Also LTF CC promotional offer
>These included links like: UNCONDITIONAL LTF , but not pre-approved
Thanks to @SSV.

https://applyonline.hdfcbank.com/cards/credit-cards.html?CHANNELSOURCE=RUPY&utm_source=zineone_push&utm_medium=mobileapp&utm_campaign=CC-ACQ-UNCONDITIONALLTF&utm_content=MKTG&utm_creative=MAY25&utm_term=OBCFREEDOM#nbb

However, these were generic promotional links, not actual pre-approved offer.

🔹 What I Tried:
1. Maintaining AMB of ₹1.5 lakh
2.Spending 50k every month from last two month.

>Got PRE APPROVED TWO WHEELER LOAN worth 1.5lakh , 2 weaks ago
>Declined pre-approved Two-Wheeler Loan.

🔹 Questions I Still Have:
1. Should I interact with these promotional links or just ignore until a NetBanking banner appears? 2. Does declining two wheeler loan offers delay credit card pre-approval?
3. Is not having salary credit affecting the offers?

>I am doing neft credit in my hdfc account every 1st day of month with 70k from ZERODHA KITE APP. Share market app.
Loading via other bank . Withdraw in hdfc bank 1st day of every month credited as neft transactions.

📝 Final Thoughts:
It’s been almost 6 months since I opened my account. With an AMB of ₹1.5L and a decent score, I expected some firm offer by now. I'm staying patient and monitoring closely. Sharing this journey so others in similar
situations can compare and so I can get advice on next steps.

🙏 Appreciate any feedback or similar journeys!

 

[SnowLucifer]

change your occupation in the profile from NetBanking to salaried and 5-7 lakhs
if yours higher then select that

 

[VSC]

Declining two wheeler loan doesn't affect you getting credit card.
My mother got her pre approved card after almost 2 years of avg balance 1.5- 2L.
You can wait for some more so that your cibil can increase some more 780+, then you can apply directly if no offers are provided.

 

[SSV]

It’s been almost 6 months since I opened my account. With an AMB of ₹1.5L and a decent score, I expected some firm offer by now. I'm staying patient and monitoring closely. Sharing this journey so others in similar
situations can compare and so I can get advice on next steps

@GTSaketh will provide some useful feedback in this regard, he had waited for about 18 months on my advice and yielded some good results… he is in constant touch with me via DM…
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.
.
.
More detailed discussion later as I am bit busy now

 

[uipolo]

change your occupation in the profile from NetBanking to salaried and 5-7 lakhs
if yours higher then select that

Already mentioned.
Changed occupation Last month from self employed to salaried. Income 7-10 lakh

 

[GTSaketh]

@GTSaketh will provide some useful feedback in this regard, he had waited for about 18 months on my advice and yielded some good results… he was in constant touch with me via DM…
.
.
.
.
More detailed discussion later as I am bit busy now

@uipolo Yes feel free to DM me, i started getting pre approved offers after 8 months.

 

[uipolo]

@GTSaketh will provide some useful feedback in this regard, he had waited for about 18 months on my advice and yielded some good results… he was in constant touch with me via DM…
.
.
.
.
More detailed discussion later as I am bit busy now

Oh my god u replied 🙂. That's enough for me 🙏🥰🙂.

 

[uipolo]

@uipolo Yes feel free to DM me, i started getting pre approved offers after 8 months.

Thanks bro, I never thought Technofino army will be this much supportive.
I am ok to wait for 8 months also.
Will dm you if I get any problem.
Thanks lots of love.🥰
My english is weak so don't mind please. 🙏

 

[GTSaketh]

For your reference, This is my journey to my Goal For Millennia

I opened my HDFC digisave youth account in May last week 2024, then in july i upgraded it to classic banking and also changed my profile to salaried. Mosly maintained 50k for two months.

I started getting loan offers around October. Now i was only maintaining around 10k-20k.

Meanwhile i am using HDFC Millennia debit card to fullest by either using it on Smartbuy, or to Pay CC Bills or wallet load. Also other Payments where my others cards won't yield any cashback anyway.

Then I started getting Pre-Approved Credit card Offers in December. First i Got Swiggy LTF, few weeks later DCP paid and then later on DCP LTF.

Finally recently got Millennia Pre-Approved Offer.

My suggestion is Just maintain as much as you can and use the HDFC Debit card everywhere possible.

 

[GTSaketh]

🔹 Questions I Still Have:

1. Should I interact with these promotional links or just ignore until a NetBanking banner appears?

You can interact and check, just make sure not to enter PAN card when checking for card offers. Always give DOB just to be safe. After entering OTP, if it directly shows cards that means they are pre-approved. Even in link it will say pre-approved.

2. Does declining two wheeler loan offers delay credit card pre-approval?

No

4. Is not having salary credit affecting the offers?

No

 

[uipolo]

Bro. I don't have any spend.
Hardly 2- 3 k monthly, My mom , elder sister and family member used to buy online. That's why . I want to get cc and also for big sale offers.Milennia will be good.

IS there any problem in my hdfc account varient
My account is REGULAR SAVING ACCOUNT, MAB 0, opened offline in my nearest branch only private bank in my 15km area.

I used to load ebixcash wallet,for spending count on debit card, mcc is utility. and get money back in account through their upi app.
Charge is 1% including gst.
Loaded almost 25k this montth

Also used to load money in tide from Debit card as mcc is 5817 digital good .
And gets money back in account After load .
Loaded 40 k this month.

Thats what I am doing to show I am spending from therir debit card.

2-5 k another spend like Swiggy ( ihave ltf offer in my Swiggy app, will apply after getting core card from hdfc),
Amaxon flipkart, meesho etc

 

[SnowLucifer]

Already mentioned.
Changed occupation Last month from self employed to salaried. Income 7-10 lakh

ok
If I say my journey
I Opened account in November 2023
maintained 40-50k
every month completed 40k wallet load
changed occupation on February 2024
got pre-approved offers in june 2024
got ltf mb+ in june 2024
done never crazy spending on credit card
only when sale offers or spend based offer(i got almost every month probably cause usage was low)
applied ltf swiggy card in October 2024 and approved
Got ltf millenia upgrade on april 2025

 

[Abhi21]

If you are maintaining AMB of 1.5Lac with a salaried acc then ask your BM to upgrade it to preferred banking. Once done after a month or so you will be getting pre approved credit card offers.
You can degrade your acc anytime / does it automatically too if you don't maintain your AMB.
Another way is to get an FD of 1.15 lac for Millinnea credit card FYF.

 

[uipolo]

ok
If I say my journey
I Opened account in November 2023
maintained 40-50k
every month completed 40k wallet load
changed occupation on February 2024
got pre-approved offers in june 2024
got ltf mb+ in june 2024
done never crazy spending on credit card
only when sale offers or spend based offer(i got almost every month probably cause usage was low)
applied ltf swiggy card in October 2024 and approved
Got ltf millenia upgrade on april 2025

Sounds good.
I also got debit card spend based offer two time availed succesfully. On spending 5k or more at once both time achieved milestone.
And got worth rs 750 voucher two time .
First one got myntra voucher worth 750 one months ago and yesterday got 750 rs AMAZON SHOPPING VOCHER

 

[uipolo]

If you are maintaining AMB of 1.5Lac with a salaried acc then ask your BM to upgrade it to preferred banking. Once done after a month or so you will be getting pre approved credit card offers.
You can degrade your acc anytime / does it automatically too if you don't maintain your AMB.
Another way is to get an FD of 1.15 lac for Millinnea credit card FYF.

Sorry, please read carefully my friend.
I am not salaried ,( edited and clarified in post in bracket ).
Not having salary account
I have normal regular saving account. Standard banking.
Currently unemployed

 

[jyothisthaliath]

In my experience, I was planning to get my first core HDFC card as LTF only. I opened Savings Max account with MAB of 25k. Kept avg balance of around 1 Lac. I used the ESP debit card exclusively for CC bill payments (this was back when Unipay and Airtel accepted DC). I got my first pre-approved offer within 3 months. Initially it was like Paid MB, FYF Tata Neu Plus, Paid IOC. Then slowly the offers improved to LTF MB, LTF Neu Plus, Paid Swiggy etc.

But I was determined that I will only take LTF Core card, atleast Millenia. Then once during Financial Year end in March, HDFC was offering LTF DCP and FYF RG for many. It was not in my pre-approved cards, still I went ahead and applied keeping screenshots as proof. My application was submitted, after some followup they emailed that they need income proofs sent to their Chennai office. I sent the documents in courier and within one week or so, my LTF DCP got approved.

 

[iamdhamo]

If we are salaried and it's in the list of companies which they mention then I think hdfc provides cc easily.

In my wife case she had kotak salary acc and when I applied for hdfc n indus ind cc it got rejected

Then I changed her salary acc to hdfc and after two months salary credit she got banner for applying ltf card

Tata neu plus then freedom and one more card was shown up. I choose tata neu plus

I just wanted her to have a first cc so didn't check much on benefits cos I already have majority cards

 

[uipolo]

If we are salaried and it's in the list of companies which they mention then I think hdfc provides cc easily.

In my wife case she had kotak salary acc and when I applied for hdfc n indus ind cc it got rejected

Then I changed her salary acc to hdfc and after two months salary credit she got banner for applying ltf card

Tata neu plus then freedom and one more card was shown up. I choose tata neu plus

I just wanted her to have a first cc so didn't check much on benefits cos I already have majority cards

I am not salaried. I m unemployed.
Mentioned in post , that was fake occupation details I filled to get cc offer easily.

 

[6ix9ine]

Just have some patience, it will take some time for your profile to refresh on the backend. You should start seeing pre-approved offers soon.