HDFC credit card help

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Deal Lieutenant
rohan8397

My father is a retired senior citizen with an HDFC savings account in which only his EPS pension is deposited every month. His netbanking is showing offer of Pre approved LTF regalia first card. Any issues with applying for it? I am asking because he is only having a small pension income. And the card will be used by me. My father is never going to use the card.

Please give your valuable suggestions

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Deal Subedar Deal Subedar
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There should not be any issues but do take screen shot of the promotion offer on the account in case of disputes later

Deal Lieutenant Deal Lieutenant
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Ok thanks.
And in addition to Regalia first, other cards option are EasyEmi card, Diners Clubmiles and Times Platinum.
Regalia first should be the choice, right?

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Deal Subedar Deal Subedar
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Do inform your father as u are taking card in his name…

Deal Subedar Deal Subedar
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What is your family/father pension monthly income and expense approximately…? Also I would like to add that if you are using a credit card you have to pay the bill before due date, don’t spend blindly as it will put you in a debt trap, unnecessary purchase should strictly be avoided..if you want credit card only for specific offers the dimers can also help …and you can avoid having it…
Decision is up to you..

Deal Lieutenant Deal Lieutenant
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I already have ICICI amazon pay and citi rewards. I needed HDFC card for bank specific offers. And my father already has an account there. So, I thought of applying through his account.
His pension is around 1300 Rs.
Have taken approval from him for applying. Even he is asking what is the need of all these cards. smile

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Deal Lieutenant Deal Lieutenant
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Thank you @indiansoul @igen @suman1520 @tank_u_m8 Karma given
Now I have decided to go with clubmiles but little hesitant seeing its less acceptability. Let’s see what happens.

Benevolent Benevolent
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Diners is mainly for online offers
Just look for HDFC machine Diners card will work else use Apay/Citi – not a big deal

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Deal Lieutenant Deal Lieutenant
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@indiansoul @igen @suman1520 @tank_u_m8
I applied but there is no response even after 9 days have passed. How to track it? Only application id was shown after application.

Deal Subedar Deal Subedar
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Use the application id to track your application hdfc website.
Or check in NetBanking if there is any credit card showing in cards section.
Or just call hdfc phonebanking and ask them.
Also when the card will get dispatched you will recieve both an sms and email.

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Deal Subedar Deal Subedar
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You can track your application id… search for link

Deal Cadet Deal Cadet
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Make sure the annual spends on the cards are justifiable by your father’s income. Even if you use the card, your father assumes the payment responsibility and is liable for it. If the spends are more than his income (assuming you are paying the bills), it can be questioned by income tax authorities.. Won’t matter if spends are low.

Deal Subedar Deal Subedar
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Great!!

Hdfc usually have txn based promotion (gift voucher based on txns done in a month) for newly issued cards .. not sure about club miles card but do lookout for sms from them so that you don’t miss it if offered

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Analyst Analyst
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For Verbal Confirmation call them they will confirm
For Written confirmation just mail them they will reply over email (will take their own sweet time to reply)
@rohan8397

Deal Lieutenant Deal Lieutenant
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I called cc. He said that it is not ltf. You have to make it ltf by adding bill to smartpay or doing 4 transactions for three months.
Now I have two doubts:
1. Do all type of transactions qualify for this? Like wallet loading and fuel transactions
2. Does smartpay bill need to be in our name?

Deal Lieutenant Deal Lieutenant
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Applied for amazonpay ICICI card. Card got rejected.
After 6 months, application was still showing processing.
So called them and told to cancel the application , so as to apply again.
They told by 25 it would be cancelled . But nothing till now. What to do ?

Deal Lieutenant Deal Lieutenant
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This is Amazon pay ICICI card helpline number: 18001020123.
Try calling on it

Deal Lieutenant Deal Lieutenant
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https://cdn0.desidime.com/attachments/photos/603513/original/IMG_20200125_232229.jpg?1579974792This was the t&c of credit card offer in NetBanking section.
Any idea about the minimum transaction for the second point?
cc: @indiansoul @tank_u_m8

Deal Subedar Deal Subedar
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Don’t know about minimum but try to do it for at least 150 to make you eligible for reward points

Shopping Friend Shopping Friend
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How much time before due date does Smartpay pay the bills automatically?

Deal Cadet Deal Cadet
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Can we stop auto emi conversion of HDFC easyemi card ?

Deal Cadet Deal Cadet
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OP if you don’t mind How old the account is and how much balance your father maintained on that account for pre approved offer?

Deal Lieutenant Deal Lieutenant
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On the date of applying, it was 10 month old and savings balance was about 1.1 lakh.

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