HDFC Millenia Credit Card LTF Query

Can't believe after invoking Ukraine, You took help of HDFC Employee, just to apply that Card. LTF there will be some terms like spend and smartpay, u have to fulfill these after card issuance.

SunnyKh wrote:
Can't believe after invoking Ukraine, You took help of HDFC Employee, just to apply that Card. LTF there will be some terms like spend and smartpay, u have to fulfill these after card issuance.

So there's nothing like No Strings Attached LTF Card in HDFC 😂.

Well.. you should have dealt that with the agent when he was making his part of the deal!

Now only customer service can confirm that.

The last option is to register a biller in the smartpay, if nothing works. But, you should try your options first. Someone posted here about mailing (to redressal) to convert to LTF, try that way first.

deb3l wrote:
Well.. you should have dealt that with the agent when he was making his part of the deal!

Now only customer service can confirm that.

The last option is to register a biller in the smartpay, if nothing works. But, you should try your options first. Someone posted here about mailing (to redressal) to convert to LTF, try that way first.

I'm trying to get a HDFC Card from last 2 years but every time rejected. So i thought if I put employee code in my application better chances of approval. Because HDFC even decline pre approved card application.

Vladimir-Putin wrote:

I'm trying to get a HDFC Card from last 2 years but every time rejected. So i thought if I put employee code in my application better chances of approval. Because HDFC even decline pre approved card application.

That's okay.. but if you were really concerned about LTF, you should have put that on the deal table.

Not to worry now.. HDFC seems on its way to devaluate this card now, so can get LTF status easily. Just follow up with the redressal first.

There will be a spend condition I guess. It’s 50k within 3 months for Millennia LTF. 

Vladimir-Putin wrote:

So there's nothing like No Strings Attached LTF Card in HDFC 😂.

Just call customer care, they will confirm LTF status

romilq wrote:

There will be a spend condition I guess. It’s 50k within 3 months for Millennia LTF. 

Thanks. Will rent payment count in spends? Then I'll make a 50k rent payment in one go.

Vladimir-Putin wrote:

Thanks. Will rent payment count in spends? Then I'll make a 50k rent payment in one go.

Yes, it counts

Vladimir-Putin wrote:

Thanks. Will rent payment count in spends? Then I'll make a 50k rent payment in one go.

Yes. AFAIK it will count. I read in earlier threads here on DD. Also mail to priority redressal to confirm LTF status once spends achieved. Also you can mail to ask for LTF criteria. I asked for LTF criteria once I got the card. Then achieved the spend condition and then confirmed LTF status. 

Vladimir-Putin wrote:

So there's nothing like No Strings Attached LTF Card in HDFC 😂.

There is one. For that you have to ignore the spend based offer first. Then after few days the No strings attached offer will popup.

JassuBhai wrote:

By that above picture it's clear that my card won't be LTF by default. So spend based LTF is the only way then. Thanks 👍

Vladimir-Putin wrote:

By that above picture it's clear that my card won't be LTF by default. So spend based LTF is the only way then. Thanks 👍

Try contacting cc over mail after fulfilling spend based criteria to be sure. If no satisfactory reply, try escalating the issue at escalation(dot)cc(@)hdfcbank(dot)com

Does Millenia give points on wallet loading through Amazon? 

Don't worry your would be LTF if your RM has confirmed even I have a Millennia LTF card approved by Hdfc and made it LTD just by speaking to my RM  without any spend based criteria

I've received MasterCard Millenia Varient.

T&C apply

-TO MAKE THIS CARD LIFE TIME FREE: Spend 50,000 or take Add on card or Balance transfer (Min 10k tranx) from other bank credit card within 90 days of card Opening date

-First year Fee waiver basis active smartpay or Easy EMI tranx of Min Rs 10,000 within 90 days of card opening date

These are the T&C for it, cna someone explain these?

alekhyadas wrote:

T&C apply

-TO MAKE THIS CARD LIFE TIME FREE: Spend 50,000 or take Add on card or Balance transfer (Min 10k tranx) from other bank credit card within 90 days of card Opening date

-First year Fee waiver basis active smartpay or Easy EMI tranx of Min Rs 10,000 within 90 days of card opening date

These are the T&C for it, cna someone explain these?

Apply for add-on card then confirm with customer support for LTF.

prem4998 wrote:
Apply for add-on card then confirm with customer support for LTF.

Should I apply for the card in the first place? and then how to apply for an add-on card?

alekhyadas wrote:
Should I apply for the card in the first place? and then how to apply for an add-on card?

Millennia is must have for those who loves cashback

I did the same thing through the agent who kept on calling me. They made me check smartpay option for getting LTF.  When asked about Amazon voucher while applying and taking assistance they said people usually don't get the vouchers when they apply by themselves. They said after 3 months I can remove smartpay and will get LTF which was not true as per the online customer care. Had to esclate to the nodal officer. Had so many back and forth emails and calls and final resolution was they made me apply for add-on card for a family member to make it LTF. 

Now the worst part is I cannot set the pin for add-on card via app/netbanking. Even the green pin OTP is also not working at the ATMs. Now have to wait for the physical pin.

Worst experience and lesson learnt is never to trust the agents and always better to do it online without any help.

rk2022 wrote:

I did the same thing through the agent who kept on calling me. They made me check smartpay option for getting LTF.  When asked about Amazon voucher while applying and taking assistance they said people usually don't get the vouchers when they apply by themselves. They said after 3 months I can remove smartpay and will get LTF which was not true as per the online customer care. Had to esclate to the nodal officer. Had so many back and forth emails and calls and final resolution was they made me apply for add-on card for a family member to make it LTF. 

Now the worst part is I cannot set the pin for add-on card via app/netbanking. Even the green pin OTP is also not working at the ATMs. Now have to wait for the physical pin.

Worst experience and lesson learnt is never to trust the agents and always better to do it online without any help.

Today I've received below reply from HDFC

Dear Mr. xxxx,

Thank you for writing to us.

This is with reference to your e-mail dated July 25, 2022 with Subject line : Lifetime Free status clarification

We understand your concern regarding Lifetime free status of your credit card account.

In this regards, we observe from our records that you are holding Millennia credit card. The same would attract Membership fee of Rs.1000 plus GST annually.

However, the same can be reversed if you register your credit card for SmartPay facility.

We wish to clarify that Smart-Pay has to be in active status. Cancelling Smart pay will result in levy of Membership fee on card.

Further your card will be lifetime free, if you do Retail transaction amounting to Rs.50,000 within 90 days from the card set up date.

The renewal fee will not be levied if the spend threshold (Retail Spends) for a Minimum of Rs.1,00,000 has been achieved during the last 12 months period.

We earnestly seek your understanding.

Kindly note the query reference number for this e-mail: 4xxxxxxx

Assuring you of our best services.

In line with our focus and commitment to Customer Service, we trust the issue has been resolved to your satisfaction.

If you are not satisfied with the resolution, you may write to us through our website -https://leads.hdfcbank.com/applications/webforms/apply/HDFC_Bank_Escalation/index.aspx

Warm Regards,
Teresa Anbarasi F
Customer Service Officer
Email Care Team
HDFC Bank Ltd.

Vladimir-Putin wrote:

Today I've received below reply from HDFC

Dear Mr. xxxx,

Thank you for writing to us.

This is with reference to your e-mail dated July 25, 2022 with Subject line : Lifetime Free status clarification

We understand your concern regarding Lifetime free status of your credit card account.

In this regards, we observe from our records that you are holding Millennia credit card. The same would attract Membership fee of Rs.1000 plus GST annually.

However, the same can be reversed if you register your credit card for SmartPay facility.

We wish to clarify that Smart-Pay has to be in active status. Cancelling Smart pay will result in levy of Membership fee on card.

Further your card will be lifetime free, if you do Retail transaction amounting to Rs.50,000 within 90 days from the card set up date.

The renewal fee will not be levied if the spend threshold (Retail Spends) for a Minimum of Rs.1,00,000 has been achieved during the last 12 months period.

We earnestly seek your understanding.

Kindly note the query reference number for this e-mail: 4xxxxxxx

Assuring you of our best services.

In line with our focus and commitment to Customer Service, we trust the issue has been resolved to your satisfaction.

If you are not satisfied with the resolution, you may write to us through our website -https://leads.hdfcbank.com/applications/webforms/apply/HDFC_Bank_Escalation/index.aspx

Warm Regards,
Teresa Anbarasi F
Customer Service Officer
Email Care Team
HDFC Bank Ltd.

What's meant by RETAIL SPEND? Does rent payment comes under retail spend otherwise I'll have to find some other ways to achieve 50k spend target within 90 days.

Vladimir-Putin wrote:

What's meant by RETAIL SPEND? Does rent payment comes under retail spend otherwise I'll have to find some other ways to achieve 50k spend target within 90 days.

Same message for me as well. Better to confirm from them on the retail spend. If it should be 1 transaction or multiple totalling 50,000.

rk2022 wrote:
Same message for me as well. Better to confirm from them on the retail spend. If it should be 1 transaction or multiple totalling 50,000.

Multiple totalling 50k+

Many people have had shared varied responses by HDFC regards to making LTF by smartpay (months needed for paid bills). Some say 3, some 6... But I suggest ensure 3 bills are actually paid in 3 months and then ask for LTF status marked on card or not. Once marked LTF, one can disable smartpay.

I am having issue for applying for this card. I got sms about this offer when I click link form opens with mobile and dob getting pass that modified card application page opens (looks same as normal card apply page but has offer tnc mentioned below) . Then after using mobile to login tells me thay I am existing customers and should login through cusID or debit(I am salary account holder) But doesn't let me login(says cusID and mobile number different). Please can anyone tell me what is happening 

harshalkudale56481 wrote:

I am having issue for applying for this card. I got sms about this offer when I click link form opens with mobile and dob getting pass that modified card application page opens (looks same as normal card apply page but has offer tnc mentioned below) . Then after using mobile to login tells me thay I am existing customers and should login through cusID or debit(I am salary account holder) But doesn't let me login(says cusID and mobile number different). Please can anyone tell me what is happening 

Try with debit card then. HDFC web systems have been acting crazy due to upcoming upgrade.