HDFC vs IDFC saving account

prem4998 wrote:

You are still lucky when compared to me

I am in tier 3 city and not even SBI or HDFC consider my location as open market for sourcing. HDFC though did something and sent their executive to my location from his service location which is nearly 90 kms from my place. His one day spent on me only but still the application got rejected. Not one bank provides card here(pre-approved) without good banking relationship. Now you are more lucky being in tier 1 city

Well your location is a problem it’s not bad luck. My cousin having salary account in ICICI had to go through this. ICICI branch guys approved his secured card with 10k limit luring him that he’ll get unsecured card easily. But when it came for approval for unsecured one they stopped responding.

Me on the other hand had a bitter experience with every bank for CC. Be it ICICI, HDFC, SBI, Axis or even small players like IndusInd, Yes and IDFC. I just got the cards with meagre limits applying after regular intervals of time and following up on mails, calls and writing to nodal officials

PenguinSkipper wrote:

Well your location is a problem it’s not bad luck. My cousin having salary account in ICICI had to go through this. ICICI branch guys approved his secured card with 10k limit luring him that he’ll get unsecured card easily. But when it came for approval for unsecured one they stopped responding.

Me on the other hand had a bitter experience with every bank for CC. Be it ICICI, HDFC, SBI, Axis or even small players like IndusInd, Yes and IDFC. I just got the cards with meagre limits applying after regular intervals of time and following up on mails, calls and writing to nodal officials

In my case, ICICI gave a good 6 digit limit Sapphiro as pre-approved. It was my primary bank account and using it very actively since 2019. I had no intention of getting a CC and one fine day it popped up on my bank app and instantly card generated. Been 7 months started applying for all cards and always gets rejected except for Axis where I had to use a different PIN code to submit the application and BOB which provides the card on Video kyc alone.

prem4998 wrote:

You are still lucky when compared to me

I am in tier 3 city and not even SBI or HDFC consider my location as open market for sourcing. HDFC though did something and sent their executive to my location from his service location which is nearly 90 kms from my place. His one day spent on me only but still the application got rejected. Not one bank provides card here(pre-approved) without good banking relationship. Now you are more lucky being in tier 1 city

Sounds like my story. My work place in the wilderness.

I applied cards through pre-approved and sbi in the branch directly when I’m at hometown.

prem4998 wrote:

In my case, ICICI gave a good 6 digit limit Sapphiro as pre-approved. It was my primary bank account and using it very actively since 2019. I had no intention of getting a CC and one fine day it popped up on my bank app and instantly card generated. Been 7 months started applying for all cards and always gets rejected except for Axis where I had to use a different PIN code to submit the application and BOB which provides the card on Video kyc alone.

Then you have been lucky with ICICI. I got my salary account with ICICI. Got platinum card when I opened the account with it and since then there has been no single limit enhancement till date from their end. Each time I had to talk with someone senior or write emails to them then somehow they made it 70k with Amazon pay still at 50k. I tried to ask them what’s the reason. They said you’re not spending enough 😢 whereas I have spent in 7 figures till now as per the data shown by CRED. But they don’t leave a chance spamming me with personal loan and home loan offers. I’m planning to change my salary account soon. Then might make a comeback later to ICICI.

Neversaynever wrote:

I’m being offered IDFC classic credit card, should I take it?
Or put more money and wait for other cards??
Is the card worth it?

You can put more money if you have excess funds and get select. My mom earlier had classic and Millenia offers. Soon Select showed up after doing FD.

PenguinSkipper wrote:

You can put more money if you have excess funds and get select. My mom earlier had classic and Millenia offers. Soon Select showed up after doing FD.

Okay, thanks for the tip

My wife got the IDFC credit card (pre-approved) by just keeping money and doing transactions in her IDFC First savings account. She has no CIBIL history. This is her first ever credit card.

She opened her account 4 months ago.

yolodime wrote:

My wife got the IDFC credit card (pre-approved) by just keeping money and doing transactions in her IDFC First savings account. She has no CIBIL history. This is her first ever credit card.

She opened her account 4 months ago.

What amount in account and what card, only if you want to tell

Neversaynever wrote:

What amount in account and what card, only if you want to tell

An average of 80k to 1.4 lakh maintained.

She was offered Millenia with a limit of 50k.

Neversaynever wrote:

I’m being offered IDFC classic credit card, should I take it?
Or put more money and wait for other cards??
Is the card worth it?

where do u guys check which card is offer ? did u apply the cc or idfc send eligible cc offer ?
@PenguinSkipper

akki.akki wrote:

where do u guys check which card is offer ? did u apply the cc or idfc send eligible cc offer ?

I got an SMS link from IDFC for classic

On clicking the link it took me here






On filling it I’m getting classic card for 26% interest, but limit is 25k only. Not gonna take it. Will bring my average card limit down.


This is the link to check the offers.

https://www.idfcfirstbank.com/content/idfcfirst...?

akki.akki wrote:

where do u guys check which card is offer ? did u apply the cc or idfc send eligible cc offer ?
@PenguinSkipper

There is a generic link for existing customers where you can enter your registered number and DOB and check for pre-approved card offer. Card gets generated instantly usually sometimes it takes a few verification checks by the bank and card gets approved or rejected Accordingly