Guy’s I’ve opened a HDFC savings account in 2019 in the hope of getting pre approved credit card but 2 years already passed I’ve got all the pre approved offers like bike loan,car loan,debit card EMI but haven’t received any credit card. I’m thinking of closing this account now.
Hdfc not issuing credit card from dec 2020 ,restricted by rbi
putin saheb aapne news nhi dekhi kya. HDFC ko ban kr rkha hai credit card issue krne ke liye
Is sputnik effective ? 
6-7 months. I opened an account in Jan 2020 and received offer in Aug 2020. By this logic, you should have got it by now. Do you maintain balance?
However right now no offers as RBI has banned them.
It all depends on your internal profile assessment by bank and Cibil.
El-Profesor wrote:It all depends on your internal profile assessment by bank and Cibil.
No cibil
Just keep balance and spend via Dc , I got in 3 months
Not possible now until the ban is lifted
pranavcool wrote:is it true i keep 40-50k in account and no cibil has currently dad has cc not me can i get regalia cc earlier they were giving millinea cc
Not regalia, maybe regalia first(which is lower variant of regalia) & if you also make a lot of debit credit transactions with significant total amount.
pranavcool wrote:is it true i keep 40-50k in account and no cibil has currently dad has cc not me can i get regalia cc earlier they were giving millinea cc
Currently hdfc cannot issue credit cards due to RBI Ban. But once it is up, you might get regalia first or millenia(which you were already getting) but not regalia directly. There’s a high chance to get regalia if you have high level account like preferred but still not a guarantee.
Fanil wrote:Currently hdfc cannot issue credit cards due to RBI Ban. But once it is up, you might get regalia first or millenia(which you were already getting) but not regalia directly. There’s a high chance to get regalia if you have high level account like preferred but still not a guarantee.
I am having preferred
Regalia first variant is no longer issued by HDFC.
pranavcool wrote:I am having preferred
You would get regalia
I opened account in hdfc around sep 2020 applied for cc in oct end and got it in first week of nov
dark.demon wrote:I opened account in hdfc around sep 2020 applied for cc in oct end and got it in first week of nov
Salaried/already holding cards with good limit?
dark.demon wrote:I opened account in hdfc around sep 2020 applied for cc in oct end and got it in first week of nov
Ltf i need
pranavcool wrote:Ltf?
very few people get reg (not 1st) as their 1st card and fewer as LTF
Just holding bal wont give you anything
pranavcool wrote:Ltf i need
I have ltf only…
pranavcool wrote:Ltf?
Yup
pranavcool wrote:do they pre approved offers comes to anyone , i am not Salaried btw still i can get, currently a prefered customer, if they give me milenia shd i wait or go for it
Take whatever card HDFC give you, most likely you will get either moneyback or millennia.
pranavcool wrote:Ltf i need
All hdfc credit cards can be made ltf nowadays by fulfilling certain conditions as mentioned in card offer.
pranavcool wrote:do they pre approved offers comes to anyone , i am not Salaried btw still i can get, currently a prefered customer, if they give me milenia shd i wait or go for it
Get whatever they are offering. They will upgrade it eventually.
pranavcool wrote:If not using that much still?
If using, then faster upgrades. If not, it would take a while
