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HDFC Pre-Approved Credit Card Trick?

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Spanjaykumar

Recently I Opened HDFC Regular Saving Account (AMB 5000, Its Semi Urban Branch).

#Maintaing 80K AMB                                              #Did 70K FD For 13 Months &                           #Almost all transactions using Netbanking/Debit Card/IMPS & Few Merchant UPI transaction.                                                            #My father will transfer fund from abroad using Bank Of Muscat every month

Its enough to get pre-approved credit card or should I change my account from regular Saving account to Max Saving account?

Cibil 759 (15-20 Credit Card Enquires from 2021 To Till Now) , Having ICICI 1.30L, AXIS 15K, BOB 25K & Onecard lite (FD Based) 61K.

How Many Months After I Will Recieve Pre-approved Credit Card offer?

<I live At Village So No Bank Issue Credit Card On C2C>


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Deal Cadet Deal Cadet
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I guess in 3-6 months it should appear 🙄

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Bro, Should I change my account from regular Saving account to Max Saving account? 

Or Its Just Okay With Regular Saving Account?

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Hotshot Hotshot
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maintain 1lakh+ this quarter to get classic banking then debit card will be free.
You will surely get pre approved , hdfc send pre approve offers on quarterly basis if you opened account before april there are hight chances of getting the offer in this quarter.

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Bro I’m not intrested to getting classic banking & free Debit Card, I want only HDFC Millennia or moneyback credit card….I opened  account in March 2021 but didn’t do VKYC OR physical KYC…So not able to use any services 

I completed KYC on 05 April 2022 & received Welcome Kit With millennia debit card on 12 April ( branch not deducted DC charge till now)

Bro may you tell me which month I will surely get pre-approved creditt card?

Or I will recieve pre-approved offer only if I maintain 1 lakh+ Otherwise no? But I did 70K FD + 80K AMB.

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Like Magnet Like Magnet
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I opened HDFC Regular bank account thru vkyc. Maintained 50-60k avergae balance.
Got Pre approved Business Moneyback card after 7-8 months.

My brother got an icici cc pre-approved offer in same way.

Deal Subedar Deal Subedar
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A normal saving account in hdfc is enough to get the card without even kyc🤣 cz they already have it. Also they didn’t ask me for any income proof. 

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Bro After Account Opening, How Many Months After You Have Received Pre-approved CC Offer From HDFC?

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Deal Subedar Deal Subedar
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I think this is the sequence for pre approved credit card offers by holding 1lakh and above.
Hdfc-Icici-Sbi-Axis-Idfc
Where hdfc is fastest and Idfc is slowest.

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i got pre approved CC offer in just 3 months… just maintain some balance maybe 40-50k and use debitcard regulerly and credit some money every months and thats all you will get offer in normal conditions…

my account was simply reguler saving account with mab 10000 which i opened online.. 

min 3 months required for offers of credit card

if you are not getting offers even after maintaining balance and doing transactions regulerly then contact bank..

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#I did 4L Rupees DEBIT Transaction In April Month Using DC/Netbanking/NEFT/IMPS/UPI/RECHARGE/BILL PAYMENT/CC BILL PAYMENT.

#5L Fund credit from International NEFT/NEFT/UPI/IMPS Only.

#70K FD; Above 1 Lakh maintaining in account


I think it’s enough for getting pre-approved cc offer; although I have received credit card offer but its not pre-approved offer.. Expecting pre-approved CC offer in June Or July Month…..I applied for HDFC CC on October month & application rejected… So 6 Month already passed.


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if pre approved card is not showing directly on net banking then open hdfc website go to credit card section then apply now.. then you can check if there is any preapproved card offer for you.. if not then contact branch directly

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I have gold speciale account with more than 20 lakhs balance opened last october still didn't get CC pre-approved offer but however I got 5 lakh debit card emi,1 lakh pre-approved bike loan still no cc offer sad

Deal Subedar Deal Subedar
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20 card enquiries within 1 year 😞

This doesnt look so good

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Axis not Ready to provide me Flipkart Axis credit Varient…..or Mera dimag ghum Gaya m socha sab varient apply kar deta hu koi sa to approve hoga…..or huva bhi lekin 10 enquires or 15k limit ke sath

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Post Emperor Post Emperor
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Got pre approved offer just in 3 months in my brother’s account .

Account Variant :25k
Mab maintained :2 lac
Every month did bill payment of 75k via dc

Benevolent Benevolent
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@Spanjaykumar Bhai mere, keep minimum AMB of 1 Lac in Savings or AMB of 5 Lac in a combination of Savings and FD for 3 months and swipe your DC 4-5 times / month.You will not not only get a pre approved CC offer but also an upgrade offer to Classic Banking.  
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Thanks Bro I will do Same❤️

Bhai Currently I am maintaining  60k To 1L AMB + 70K FD.....& doing Most of Transactions using Netbanking Debit Card (Nearly 1L Rupees Trasaction Per Month) & also paying CC/other bills on HDFCBANK application..... Bro they offered Business Moneyback Credit Card with 1.63L limit on 1st June but I applied 2 days before (29 May)  Pre-approved offer so my application rejected....now They are offering many other offers like EMI on DC, bike loan, flexipay but I am waiting for pre-approved credit card offer again.

Benevolent Benevolent
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@Spanjaykumar Dude get over this CC obsession.Keep only selected cards depending on your requirement/usage.As of now,aim for Millennia and refuse offers like EMI on DC, bike loan,flexipay etc.BTW you have an ICICI CC with 1.30L limit, haven't ever tried applying for Millennia on C2C basis ? @guest_999

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Bro I live at village & most of Bank situated nealy 45 KM from my location & Only this reason my most of credit card application rejected which I applied on C2C or ITR basis.... recently I applied for SBI card on C2C basis, application Rejected & They mentioned reason "area not serviceable"  so only Pre-approved offer work for me otherwise no any other option for approval....& Most bad thing most of Banks in my area not interested to Process application on C2C or ITR, they usually offer FD basis cards... I have BoB, ICICI, Axis Cc & as of now I want only HDFC & SBI CC..😊

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Deal Newbie Deal Newbie
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