Should I Take Pre Approved DCP Or Wait For Millennia?

[GTSaketh]

Hello, I opened digisave account around 8 months ago. I am getting LTF DCP pre approved offer. But I am not sure whether to get it or wait for millennia. The reason I can't wait is, I have HDFC Swiggy LTF offer in Swiggy App(which is the card i actually want) But waiting to get core card before getting Swiggy Card. Now I am afraid the LTF offer might change in Swiggy App.

I feel like DCP won't be useful for me apart from core card offers. Since I don't travel much. Also afraid of acceptance, especially I heard Razorpay doesn't accept Diners. But most websites use Razorpay. Imagine a website offers core card offers on HDFC cards, but not able to use it.

Also, I would like to know is it possible to upgrade to core cards like Millennia or Regalia Gold From DCP in future?

 

[SSV]

Well, the only reason I want to get DCP now is so i can get HDFC Swiggy LTF offer i have from Swiggy App.

If one can assure that LTF offer won't expire in Swiggy App I don't mind waiting an year for millennia with higher limit

My Swiggy LTF offer is still live.. it keeps coming back after a couple of weeks.. it’s been like that for the last one year or so

 

[GTSaketh]

My Swiggy LTF offer is still live.. it keeps coming back after a couple of weeks.. it’s been like that for the last one year or so

Then, I don't mind waiting. I am not in a rush, so i will wait

 

[SSV]

Then, I don't mind waiting. I am not in a rush, so i will wait

Please mark one of my above responses as solution if it answered your query… cheers

 

[Ra.One]

@GTSaketh
I'm on the other bank of the river.
I have a paid millenia and the card renewal is up and I've already spent north of 1L on it easily. Just today, I was offered DCP as FYF.
Also, my wife has Millenia LTF. I wanted an HDFC 'points' card for smartbuy but wont spend 3L on DCP for fee waiver.

So will probably wait for the LTF offer for either of us.
DCP LTF is decent for Smartbuy spends and marketplace offers

 

[GTSaketh]

@GTSaketh
I'm on the other bank of the river.
I have a paid millenia and the card renewal is up and I've already spent north of 1L on it easily. Just today, I was offered DCP as FYF.
Also, my wife has Millenia LTF. I wanted an HDFC 'points' card for smartbuy but wont spend 3L on DCP for fee waiver.

So will probably wait for the LTF offer for either of us.
DCP LTF is decent for Smartbuy spends and marketplace offers

The only problem with DCP is acceptance. I actually don't need Millennia, since I have Swiggy LTF offer(ofcourse there is a chance of rejection).

But I just want HDFC visa/MC cards that I can peacefully use anywhere for offers especially on small e commerce sites(Found few where they don't accept Diners). But it should a good card like millennia. So i will wait.

 

[Humanbeing]

I have similar pre approved HDFC DCP LTF offer but I don't think I do need the card. HDFC refreshes the offers every quarter it will be better if you could keep checking the Xpressway portal of HDFC & as per you need or requirement you can choose the card & apply accordingly.

 

[s1t2y3a3m6]

The only problem with DCP is acceptance. I actually don't need Millennia, since I have Swiggy LTF offer(ofcourse there is a chance of rejection).

But I just want HDFC visa/MC cards that I can peacefully use anywhere for offers especially on small e commerce sites(Found few where they don't accept Diners). But it should a good card like millennia. So i will wait.

HDFC refreshes new cards for you this quarter or same card offers are showing as previous ?

 

[AkashnAkashn is verified member.]

HDFC refreshes new cards for you this quarter or same card offers are showing as previous ?

For me same shit card and same limit

 

[SSV]

For me same shit card and same limit

@Akashn , by now you should have got a decent card.. you have been very patient and loyal to HDFC.. I think you have been waiting for 2 years right?? if I remember correctly.. ie. since I joined this forum...

 

[GTSaketh]

HDFC refreshes new cards for you this quarter or same card offers are showing as previous ?

I got Mastercard Millennia offer just today, but it's paid. I will wait for LTF. Also limit used to show upto 90k now showing upto 1L. It's weird though because in both SMS and Email it was mentioned I have lifetime free offer. Even DCP is showing as Paid now.

 

[AkashnAkashn is verified member.]

@Akashn , by now you should have got a decent card.. you have been very patient and loyal to HDFC.. I think you have been waiting for 2 years right?? if I remember correctly.. ie. since I joined this forum...

Exactly bro.. I am waiting since 1.5 years. The best i got was Millennia with 78k limit in October 24 but i didn't take it thought they might increase limit next quarter but i was wrong. They reduced it to 72k and legendary Moneyback+ .. HDFC hates me i guess
Worst part is this is my main account with good balance and transactions..

 

[SSV]

Exactly bro.. I am waiting since 1.5 years. The best i got was Millennia with 78k limit in October 24 but i didn't take it thought they might increase limit next quarter but i was wrong. They reduced it to 72k and legendary Moneyback+ .. HDFC hates me i guess
Worst part is this is my main account with good balance and transactions..

don't worry.. persist with it... sometimes they give jhalak like this.. eventually you will win... Do slightly different activity than what you have been doing.. you need to confuse their algo.. but at some point you need to commit to it.. you need an occassional very big transaction in your account...

Its all about your trasaction history length and breadth.. you can even try doing some big transactions of your friends and family and also it should cover all different types of transactions..

A big EMI on DC for an electronic good or smething similar will help your cause..

 

[SSV]

I got Mastercard Millennia offer just today, but it's paid. I will wait for LTF. Also limit used to show upto 90k now showing 1L. It's weird though because in both SMS and Email it was mentioned I have lifetime free offer. Even DCP is showing as Paid now.

so things are going in the right direction largely .. right??

 

[GTSaketh]

so things are going in the right direction largely .. right??

Yes Sir!!, now I will wait for LTF offer.

 

[SSV]

Yes Sir!!, now I will wait for LTF offer.

then write here .. to educate the ignorants...

A

Post in thread 'Which Apps/Sites support Visa/MC Debit Card without fees and also reliable? MCC doesn't matter.'

Saturday at 4:16 PM

@SSV sir is this not true? I remember you saying Maintain High balance and use debit card as much as possible to increase chances of better pre approved offers. Even @varun__goel_ told me the same.

Maintain High balance is true but use debit card as much as possible to increase chances of better pre approved offers ? LOL

@SSV kya kya hulu lulu wale ideas dete rahete ho tum 🤣🤣

• Abhishek012

• 

 

[hender]

Yes Sir!!, now I will wait for LTF offer.

then write here .. to educate the ignorants...

A

Post in thread 'Which Apps/Sites support Visa/MC Debit Card without fees and also reliable? MCC doesn't matter.'

Saturday at 4:16 PM

@SSV sir is this not true? I remember you saying Maintain High balance and use debit card as much as possible to increase chances of better pre approved offers. Even @varun__goel_ told me the same.

Maintain High balance is true but use debit card as much as possible to increase chances of better pre approved offers ? LOL

@SSV kya kya hulu lulu wale ideas dete rahete ho tum 🤣🤣

• Abhishek012

• 

Finally 😊, thanks for sharing

 

[praful47]

Holding digisave account since 4 months .
They gave LTF freedom , indian oil but not pre-approved.
Gave DCEMI last month but gone .

Any suggestions?

 

[AkashnAkashn is verified member.]

Holding digisave account since 4 months .
They gave LTF freedom , indian oil but not pre-approved.
Gave DCEMI last month but gone .

Any suggestions?

Lage raho. .

 

[GTSaketh]

Holding digisave account since 4 months .
They gave LTF freedom , indian oil but not pre-approved.
Gave DCEMI last month but gone .

Any suggestions?

I Opened Digisave account on june last year, they started offering cards from December. So it took around 5 months for me.

 

[SSV]

Yes Sir!!, now I will wait for LTF offer.

Now at this stage when you get millennia LTF, you need to commit to it.. otherwise offers may take reverse course temporarily….
From now onwards, you need to do the same set of transactions aggressively and should include even more other types of transactions ..
All the best