From When HDFC Start Offering Pre-Approved Credit Card

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Deal Cadet
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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.

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putin saheb aapne news nhi dekhi kya. HDFC ko ban kr rkha hai credit card issue krne ke liye

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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.

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It all depends on your internal profile assessment by bank and Cibil.

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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

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SastaRaju wrote:

No cibil

Just keep balance and spend via Dc , I got in 3 months
Not possible now until the ban is lifted

Yeah true… Even I had no cibil score fd of around 60k and I received pre approved offer for regalia first cc

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Fanil wrote:

Yeah true… Even I had no cibil score fd of around 60k and I received pre approved offer for regalia first cc

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

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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.

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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.

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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

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Regalia first variant is no longer  issued by HDFC.

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I opened account in hdfc around sep 2020 applied for cc in oct end and got it in first week of nov

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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?

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guest_999 wrote:

Salaried/already holding cards with good limit?

1 fd based cc which I opened in sep.
Salaried but only 1 month payslip was available.

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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

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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

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tvirus wrote:

Yup

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

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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.

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pranavcool wrote:

Ltf i need

All hdfc credit cards can be made ltf nowadays by fulfilling certain conditions as mentioned in card offer.

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rogerthat wrote:

Regalia first variant is no longer  issued by HDFC.

My friend received in last upgrade offer

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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.

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tvirus wrote:

Get whatever they are offering. They will upgrade it eventually.

If not using that much still?

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pranavcool wrote:

If not using that much still?

If using, then faster upgrades. If not, it would take a while

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