Hot Deal

HDFC Credit Limit Enhancement Offer (Check Netbanking)

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Finance Ninja
prem4998

HDFC is sending out credit limit enhancement. Check your netbanking or SMS from HDFC.

SMS Format:

UPDATE!
You are eligible for a credit limit increase on your HDFC Bank Credit Card (to Rs.500000)
Visit: hdfcbk.io/


WhatsApp Message Format:
Higher limit unlocked:

Prem, you can now activate a Higher ⬆️ limit of Rs.500000 on your HDFC Bank Millennia Credit Card.
You can do so in just 3️⃣clicks and without any charges

Screenshot of Offer

https://cdn0.desidime.com/attachments/photos/813332/medium/increase2.png?1665119722    

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Pro Shopping Friend Pro Shopping Friend
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ur last LE date?


Finance Ninja Finance Ninja
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caks2006407 wrote:

ur last LE date?


First LE for me. Card is 8 months old
Deal Cadet Deal Cadet
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Nothing for me. Though I got an LE just ~2 months ago.

Deal Cadet Deal Cadet
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I think they send it after each 6months, my moneyback was 8 months old got 75k to 1L LE.

Deal Cadet Deal Cadet
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prem4998 wrote:
First LE for me. Card is 8 months old

Same for me. 8 months old card. Still on initial 25k limit. No LE in my net banking. Because of this low limit not using this card. Also it’s a basic card. 

Finance Ninja Finance Ninja
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Spiderguy252 wrote:

Nothing for me. Though I got an LE just ~2 months ago.

Eligibility is that you shouldn't have upgraded your card or availed CLE in the previous 6 months. This is what most of the banks follow and probably the same applies to HDFC as well.
Deal Cadet Deal Cadet
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prem4998 wrote:
Eligibility is that you shouldn't have upgraded your card or availed CLE in the previous 6 months. This is what most of the banks follow and probably the same applies to HDFC as well.
not really. Last Oct i got  moneyback card which I upgraded to Millennia and also got 2 LE including today
Finance Ninja Finance Ninja
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ashmail123957 wrote:
not really. Last Oct i got  moneyback card which I upgraded to Millennia and also got 2 LE including today
So you got LE every 6 months? Can you detail it out? When u got moneyback, 1st LE and upgrade and 2nd LE?
Deal Cadet Deal Cadet
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Yes, I got MB card last oct then I upgraded to Millennia in Jan, got 1st LE in apr then today

Finance Ninja Finance Ninja
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ashmail123957 wrote:

Yes, I got MB card last oct then I upgraded to Millennia in Jan, got 1st LE in apr then today

So the LEs have a 6 months gap and card upgrades doesn't matter. Thanks! 
Deal Cadet Deal Cadet
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ashmail123957 wrote:

Yes, I got MB card last oct then I upgraded to Millennia in Jan, got 1st LE in apr then today

How did you upgrade to Milennia? Could you please explain the process?
Deal Lieutenant Deal Lieutenant
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Not for me, keep notifying though plus1
Deal Cadet Deal Cadet
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Lobogris wrote:
How did you upgrade to Milennia? Could you please explain the process?
had posted in one of the threads here. Had written to grievance redressal credit card, they sent upgrade form which after filling you need to submit to them

Though in the form it was mentioned as chargeable however upon enquiring if it's chargeable they said it's LTF
Deal Cadet Deal Cadet
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Knight11 wrote:

Nothing for me. Already 8 months gone. Have crossed 80K 4 times in that. Never crossed 30% or even 20% utilisation. Have preferred salary account with significant balance in savings. No idea what they are looking for.

I guess you must be already having a high limit
Deal Subedar Deal Subedar
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ashmail123957 wrote:
I guess you must be already having a high limit

HDFC gives even 20L limits, mine is barely around 5L.

Deal Subedar Deal Subedar
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who has 20L limit here?

Deal Cadet Deal Cadet
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nuhearts wrote:

who has 20L limit here?

Infinia may have such high limits not possible for other cards
Deal Subedar Deal Subedar
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Nothing for me 9 months old card stuck at 30k
Finance Ninja Finance Ninja
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nuhearts wrote:

who has 20L limit here?

20L limit HNIs won't scroll up and down in desidime joy
Mobile Guru Mobile Guru
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Knight11 wrote:

Nothing for me. Already 8 months gone. Have crossed 80K 4 times in that. Never crossed 30% or even 20% utilisation. Have preferred salary account with significant balance in savings. No idea what they are looking for.

https://www.desidime.com/discussions/credit-sco...

You need a mixture of all parameters to gain their trust.

PS - No LE for me. My last LEO was in this year itself if i am not wrong.
@rahulsoni0706846

Deal Subedar Deal Subedar
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ddstar wrote:
Infinia may have such high limits not possible for other cards

I have seen regalia users with 13L.

Deal Subedar Deal Subedar
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No LE. 3L since last 2 year disappointed_relieved
Critic Critic
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Knight11 wrote:

I have seen regalia users with 13L.

I only know "business regalia" users with such limits here & probably why HDFC never upgraded their cards to Infinia because most likely their system flagged those users as "commercial users" & giving top end cards to such users is a big no for any bank.
Mobile Guru Mobile Guru
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Knight11 wrote:

They don't check cibil after issuing card.

It's not about Cibil but your credit utilization factor. spend history, your relationship too and this is HDFC so nothing is easy here biggrin
Why card variant are you owing?

Deal Subedar Deal Subedar
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MrKool_JJ wrote:

It's not about Cibil but your credit utilization factor. spend history, your relationship too and this is HDFC so nothing is easy here biggrin
Why card variant are you owing?

DCB

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