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Are HDFC Credit cards still worth getting?

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Deal Cadet
Lobogris

I have various credit cards with decent limits Including IDFC Wealth, ICICI Amazon Pay and MMT, Indusind Pinnacle, Axis Flipkart and Airtel, RBL Insignia etc. I had applied for HDFC Millenia in March but it was declined. Since then I have kept a few lakhs in their savings account and in FDs totaling to around 10 lakhs in the hope of getting some pre approved offer. I started seeing a pre approved consumer loan for 12k which has now risen to 2.3 lakhs and a pre approved auto loan for 15 lakhs but no credit cards. Is there any benefit now remaining in getting the HDFC Milennia credit card? I get 5% on Amazon with ICICI and HDFC has removed the Dineout 5% cashback now. Buying Amazon vouchers on Smartbuy is gone with the new 2% fee. I already have the HDFC Platinum debit card so I can get 1% cashback anyway, 

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Mobile Guru Mobile Guru
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Keeping the smartbuy/reward structure aside* , HDFC is still one of the most preferred banking partner for product launches & sale days (Amazon, Flipkart) alongside SBI

Deal Cadet Deal Cadet
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Sometimes you have a sale but then you have to pay a higher price initially as the products are not directly discounted during such bank offers. However, with the ICICI Amazon card, you get 5% all the time and you can buy whenever the product is cheaper and still get 5% without any limits. Like I bought my ipad pro via Amazon and it was already cheaper compared to the 4k HDFC discount and I got 5% further cashback. 
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Talk-Of-The-Town Talk-Of-The-Town
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What's the use of IDFC wealth card btw....It's as crap as HDFC 
Deal Cadet Deal Cadet
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Not really. You get a low 1.5% markup for international purchases. You also get free domestic and international lounge access. 2.5% cashback on international spends as well. I use it abroad quite often and for international purchases.
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Deal Newbie Deal Newbie
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Is indusind pinnacle better compared to legend..i am thinking which should I apply...my mom received ltf legend credit card against fd

Deal Cadet Deal Cadet
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Pinnacle was devalued a few months back. Instead of getting 2.5% cashback for online spends, you now get 1.8% and they charge a fee now for redemption.
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Deal Subedar Deal Subedar
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Did you apply via C2C method?
Deal Cadet Deal Cadet
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Yes. Via branch.

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Generous Generous
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If someone had said "No" already, this thread would have been marked as "Resolved" but instead everyone is doing the opposite and he has his answer to everything you throw at him joy

Just kidding bro @Lobogris 
Deal Cadet Deal Cadet
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Sir, obviously I know HDFC cards have benefits. That's why I applied and was trying to get one. However, now they have taken away the Amazon voucher and Dineout discount. That why I wonder if they still hold good value. 

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Deal Cadet Deal Cadet
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Apply c2c via branch See what card they are offering
Finance Mentor Finance Mentor
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OP, You are aware that HDFC still had a wonderful credit card market share before smartbuy concept even came into market right?

I believe removal of amazon Smartbuy will let them give deeper direct discounts. Otherwise while we were very happy to get triple discounts (SB 5%, Mill CC 5%, Amazon HDFC Instant disc). I'm sure this won't have been viable in the long run. I had even bought a mac air m1 (MRP 92k) @ 65k. I don't think this kind of discount would last for long.

Even today a millennia cc (which they say is under regalia/ diners privilege, quite lower than premium cards) still rewards 1% for wallet loads, not to mention it can itself take care of Amazon, Flipkart, Myntra, Uber, Zomato etc.. with 5% discount. Also most account holders get this for free (Or worse might get it free for 50k spends in 90 days).

Their premium cards are still quite rewarding with their standard 3.3 % rewards and really good conceirge service and user support, not to mention other benefits for premium customers.

Basically if you get a HDFC card, get it .. keep it. Do not give too much effort just for the sake of getting too much rewards, which is never going to last forever. The card which seems attractive today, won't be tomorrow.

Deal Cadet Deal Cadet
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Thanks for the reply.I don't think Milennia credit card offers anything to me any more as I already can get 5% off on Amazon and Flipkart via Apay and Axis cards. Axis Flipkart gives a flat 1.5% direct to account cashback on all spends without any monthly or daily limits. My Indusind Pinnacle provides 2.5% on online spends again without any limits. I get free international lounge access via Rbl Insignia, IDFC Wealth and Indusind Pinnacle. I can anyway use Smartbuy or Payzapp via my HDFC debit card. Please let me know if I am missing anything. 

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Deal Newbie Deal Newbie
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Can someone enlighten on which ICICI credit card is good? Want to apply
Benevolent Benevolent
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None.

Deal Cadet Deal Cadet
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get the card , convert it to LTF and then use it during sale offers

Deal Cadet Deal Cadet
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From when onwards they removed amazon from smart buy . It was good for LIC payments.
Commentator Commentator
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@Lobogris try standard chartered ultimate credit card if ur cibil score is good, address proof and living address are same and less than 6 cibil enquiries in past 6 months.. This card gives 5 points on every 150 spent in all transactions without restrictions(until bank changes) and each point values to 1 Re. Few drawbacks: No LTF, joining/annual fee 5000+gst and redemption is only vouchers excluding amazon, flipkart but still have kalyan, tanisq, joy alukas, big basket vouchers
Commentator Commentator
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@Lobogris Axis Magnus and Axis Vistara infinite cards are chargeable.. But axis magnus also gives points in almost all transactions.. Monthly spend of 1 lac gives us 25k edge points worth 5k.. Card renewal fee waived on yearly target spends of 15 lacs in a year
Deal Cadet Deal Cadet
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In Smartbuy, After 2% charge was added to Amazon gift card, I stopped. A doubt:

I have upgraded my debit card to Millennia just before this new charge. But, Millennia usually has 5% extra cashback upto 400. My understanding is: 5% cashback for smartbuy + 5% for Millenia. Can someone using it confirm?

Deal Cadet Deal Cadet
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Any Millenia Debit Card users - can u answer my query?
Deal Subedar Deal Subedar
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I got HDFC Bank Millennia Diners Club International Card. Is it a good one?
Deal Cadet Deal Cadet
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I have opened one agriculture type account which was recommended by HDFC Bank employee... I have to keep minimum balance above 2500 only... I used to keep only 4 to 5000... 

Within 6 months they offered me credit card with 20000 limit with out any documents.. That was my first credit card.. they keep increasing my limit 20 to 35000 then 90000 then 180000 now limit is 216000..

Last year they have upgraded my card to Millennia..

Now I am getting upgrade offer to Business Regalia Card from last 6 months.. Millennia is best card...  And for me it's life time free...

Deal Cadet Deal Cadet
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after how much time did you get pre approved offer from HDFC. As I am also planning to open same account but I am confused whether they will give pre approved offer on that account or not.
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Deal Newbie Deal Newbie
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I want apply for a Credit card which should I apply.... I have good credit score
Deal Cadet Deal Cadet
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Any idea of Any application or person who can give commission if we apply fir hdfc cc?
Community Angel Community Angel
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The so called premium card of HDFC Regalia not even provides 1% reward rate, even apay icici card is better than regalia

Deal Subedar Deal Subedar
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I use my regalia first cc only during sales
Deal Newbie Deal Newbie
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How to get ltf flipkart axis, it is saying 500 per year
Deal Newbie Deal Newbie
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+ 1 I have an axis ace card which is paid. How to get Flipkart axis LTF ?
Talk-Of-The-Town Talk-Of-The-Town
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Gali gali me firta hai kyo banke banjara? hdfc will come to ur doorstep one day to issue card like sbi . wait and watch 

Deal Cadet Deal Cadet
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Final nail in the coffin happened last month, Amazon withdrew from SmartBuy platform. No incentive to get HDFC credit cards now. I expect HDFC to compensate in coming months by way of more direct discounts during festive season. If not happening, I plan to cancel my HDFC card.
Like Magnet Like Magnet
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Now i dont see much value in most of hdfc card except infania. Their smartbuy offer are not lucrative enough for all other card including DCB. I hold LTF DCB just for unlimited lounge access else i dont make any transaction. Their default 3.3% rate is never 3.3 in actual so their actual default rate I would put at 2.1~2.4% with so much pain. Ace give flat 2% cashback which i find more better than DCB. HDFC seems to have been overestimating its position in the market.
Deal Cadet Deal Cadet
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Anyone can comment on the benefits of HDFC Diners Privilege card? I am seeing it in pre approved offers with a fee of 2500 which can be waived by spending 1 lakh in 90 days. I am also seeing offers from HDFC Equitas cards as LTF which is probably as I have had a Elite savings account with Equitas for a while with a healthy balance for over a year. Equitas gives 7% on savings so I keep some funds there for liquidity.

Helpful Helpful
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Where do you see the offer for the Equitas credit card?
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Deal Cadet Deal Cadet
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I received HDFC Platinum Money Back card today. The limit is a very low 62k. It seems like a completely useless card as it has no rewards at all. Even the 5% discount on payment via Dineout is now gone with a minimum bill of 1500 required. I am not sure what I can use it for. CC said it can be made LTF by spending 30k on “retail spends” in first 90 days. Would retail spends include paying bills like electricity? Are there any spends where this card would provide any cashback or benefit? How long does one have to wait before one can request an upgrade? In any case, I am not sure any HDFC cards have much benefits now after they imposed a fee on Amazon vouchers.

Crusader Crusader
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6 months minimum is needed for upgrade.. U can request le by sending pay slips and ITR
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