Lifetime Free IDFC FIRST Millennia Credit Card + 500 Voucher Benefits

Any hope for students? 

I have good cibil score 774 and credit card too but don't have income proof 

Is VKYC compulsory, will they not do only physical or manual KYC.  And can we get without Aadhaar

Government-18 wrote:
Only advantage in this LTF is Railway Lounges

I too only took welcome bonus. Then kept in in locker. This is most useless card....

I don't know when I will get to use railway lounge benefit. I hardly travel once a year by train. and They have only one lounge location in Delhi

I am  using HDFC millenia since many years. That is only card I ever like to use.. 5% cashback on flipkart and amazon both.... I even pay my utility bills and insurance with amazon

Yearly I get 6000 to 8000 cashback. Every month or alternate, I adjust cashback to cash that pays my bill

People like me are looting HDFC since years....

Applied idfc card in jan 2023 got rejected

can I apply now in April 2023 again?? 

nitishSharma wrote:
Wealth is the best card of idfc

Do u have it? How much SB a/c should one have to upgrade from select to wealth CC

hi10 wrote:

I too only took welcome bonus. Then kept in in locker. This is most useless card....

I don't know when I will get to use railway lounge benefit. I hardly travel once a year by train. and They have only one lounge location in Delhi

I am  using HDFC millenia since many years. That is only card I ever like to use.. 5% cashback on flipkart and amazon both.... I even pay my utility bills and insurance with amazon

Yearly I get 6000 to 8000 cashback. Every month or alternate, I adjust cashback to cash that pays my bill

People like me are looting HDFC since years....

Utility bill also gives 5 % in millenia?

saxena_ wrote:

Utility bill also gives 5 % in millenia?

Yes. Hdfc millennia -

Even If you are spending more than 20K in a month this card will not accumulate as much points as the 'Select' and 'Wealth'. Only Railway Lounge Access is available. The 'Select' is still the best for domestic!

arpitcoc2015 wrote:

Applied idfc card in jan 2023 got rejected

can I apply now in April 2023 again?? 

Yes.

Good

My VKYC link is Expired What can i do? 

None of the cards in the past many years I have found that can be bought on a C2C basis. Still struggling to get one credit card on C2C basis with no income details required. Is there any card that is LTF and is issued on the basis of your civil score and previous CC report? If any then pls share the exact link so that I can apply and get it without any hassle. 
PS: I have an excellent civil score and my HDFC CC is 3 yrs old too. 

Interest free cash withdrawal for 48 days

There will be a cash advance fee of INR 250 per transaction.

TastyKhana wrote:

None of the cards in the past many years I have found that can be bought on a C2C basis. Still struggling to get one credit card on C2C basis with no income details required. Is there any card that is LTF and is issued on the basis of your civil score and previous CC report? If any then pls share the exact link so that I can apply and get it without any hassle. 
PS: I have an excellent civil score and my HDFC CC is 3 yrs old too. 

Icici platinum chip card, indusind card, idfc card, kotak card maybe, 

But but but, all of them ask for income details no matter how meagre it is. And they do site visits too. 

bikidas2060 wrote:

Icici platinum chip card, indusind card, idfc card, kotak card maybe, 

But but but, all of them ask for income details no matter how meagre it is. And they do site visits too. 

Not interested in cards which ask for income proof or ITRs. HDFC, when offered me a card 3-4 yrs back, asked nothing and gave me the card on my Pan & Adhaar details and that too was an LTF so I am looking for such a card only. 

Government-18 wrote:
Only advantage in this LTF is Railway Lounges

Even that is not universally accepted at all railway lounges across India like ICICI CCs

TastyKhana wrote:
Not interested in cards which ask for income proof or ITRs. HDFC, when offered me a card 3-4 yrs back, asked nothing and gave me the card on my Pan & Adhaar details and that too was an LTF so I am looking for such a card only. 

They won't ask for itr. But you gotta give them some word of mouth info. You gotta otherwise nobody ll be issue a card based solely upon cibil n existing cc. 

bikidas2060 wrote:

They won't ask for itr. But you gotta give them some word of mouth info. You gotta otherwise nobody ll be issue a card based solely upon cibil n existing cc. 

I was nobody for HDFC 3yrs back, HDFC is not my family owned bank when they can issue me the card with no if and but then I am sure others can too. When they issued the card I didn't have a cibil to show my credit worthiness and today when I have a good cibil with 3 plus years aged card banks are asking for income details and other docs.

PS: HDFC also issued a card to my wife last year with just pan and adhaar no income proofs and no itrs nothing.

TastyKhana wrote:
I was nobody for HDFC 3yrs back, HDFC is not my family owned bank when they can issue me the card with no if and but then I am sure others can too. When they issued the card I didn't have a cibil to show my credit worthiness and today when I have a good cibil with 3 plus years aged card banks are asking for income details and other docs.

PS: HDFC also issued a card to my wife last year with just pan and adhaar no income proofs and no itrs nothing.

How did you apply for HDFC? Through agents?

bikidas2060 wrote:

How did you apply for HDFC? Through agents?

Directly visited banks. I don't apply cards or bank accounts through agents rather prefer visiting banks physically or virtually for this purpose. Agents are only used for policy purposes.

TastyKhana wrote:
Directly visited banks. I don't apply cards or bank accounts through agents rather prefer visiting banks physically or virtually for this purpose. Agents are only used for policy purposes.

Then go to the branches of credit card issuing banks stating how hdfc had issued a card without any documentations(without income, without cibil, without prior relationship) and ask them to issue you some credit cards. Then share your experience with us. 🙂

@guest_999 ^

bikidas2060 wrote:

Then go to the branches of credit card issuing banks stating how hdfc had issued a card without any documentations(without income, without cibil, without prior relationship) and ask them to issue you some credit cards. Then share your experience with us. 🙂

FYI: Approaching Desidime community is my last resort for any problem.
I already did this homework with all leading banks and they can't do what HDFC did, straight and simple.

TastyKhana wrote:
FYI: Approaching Desidime community is my last resort for any problem.
I already did this homework with all leading banks and they can't do what HDFC did, straight and simple.

They should not do either. 

bikidas2060 wrote:

They should not do either. 

What does that mean can you elaborate 😳

Can anyone suggest me the best card for fuel spending and also for offline spends. Will prefer LTF options.

some1anywhere wrote:

Even that is not universally accepted at all railway lounges across India like ICICI CCs

2 hours of stay only in executive lounge at Delhi, Jaipur, Agra, Ahmadabad, Kolkata railway station.

TastyKhana wrote:
FYI: Approaching Desidime community is my last resort for any problem.
I already did this homework with all leading banks and they can't do what HDFC did, straight and simple.

Simple solution, open accs in banks like kotak(kotak 811 zero bal acc) & do some txns via debit card every month of few hundred/thousand rupees & hopefully you will get a pre-approved offer within a year. More complicated solution, contact 3rd pary card agents(usually any cc holder in India start receiving these calls a few months/year after getting a credit card) & tell them you want to apply on card-to-card basis but this only works if your existing card limit from any major bank(like hdfc in your case) is at least 75k.

guest_999 wrote:
Simple solution, open accs in banks like kotak(kotak 811 zero bal acc) & do some txns via debit card every month of few hundred/thousand rupees & hopefully you will get a pre-approved offer within a year. More complicated solution, contact 3rd pary card agents(usually any cc holder in India start receiving these calls a few months/year after getting a credit card) & tell them you want to apply on card-to-card basis but this only works if your existing card limit from any major bank(like hdfc in your case) is at least 75k.

I avoid the phone process for C2C cards due to excessive ongoing frauds.
PS: My HDFC card limit is 4L

TastyKhana wrote:
I avoid the phone process for C2C cards due to excessive ongoing frauds.
PS: My HDFC card limit is 4L

Then only solution is, open accs in banks from which you want cards & start keeping good balance there or do regular debit card txns every month. Btw, HDFC does not report card limit to cibil so having only hdfc cc in cibil means many card providers won't approve cc application only on basis of cibil report as they can't see the card limit.