Need help deciding on CC(maybe HDFC)
Respected CC Experts in DD please help.
Have HDFC Imperia banking, used to have regalia LTF didn't accept renewed card delivery and same got cancelled. Now they say no LTF for you sorry. Spend blah blah amount.
Not a regular shopper, maybe grocery and other orders from Amazon ~4k/month. Using load money get 3.3% at AZ so didn't feel need of CC. But now to purchase new mobile need CC(like here https://www.desidime.com/deals/samsung-s23...gb).
What would be best CC for my case. Don't want to spend 1Lakh or something to get annual waivers. How to get a stable useful LTF.
Averse to video call verification for CC so thinking not to go for other bank/co-branded CCs. Will having account in hdfc allow non-video KYC?
TIA
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Go for tata neu rupay varient it's very good cc
I also today saw my company having Corporate Credit Card from Amex: https://www.americanexpress.com/en-in/charge-ca... not sure if will be useful for me as not high #/amount txns/month.
As you don't really don't need a cc, I would suggest you to just use your friend's card for phone purchase.
Many dimers would be ready to help too, just mention what card do you need.
(Not a CC expert tho)
Get the hdfc millennia cc..
It's a good card for Amazon/Flipkart/Myntra/swiggy shopping upto 20k..as it gives 5% reward points upto 1k..
You can negotiate a deal with your RM or BM for an ltf card..
- If you're looking for hdfc card only to buy the smartphone then I advise you to buy it from any friend's card
- If you want LTF card then you have to wait for offer.
- If you want hdfc card anyways, then I suggest
- if your TRV is high then get any HDFC core card FYF,then mail cc to make it LTF
- if a) is not possible then get Neu infinity cobranded card FYF then ask for LTF conversion, if you're not happy with their response close the card before renewal.
![Butterfly Rapid Omni Tawa, Kadai & Fry Pan Combo Cookware Set [Location Specific]](https://cdn2.desidime.com/topics/photos/1792561/medium/rapid-ib-kcp-3-butterfly-original-imaftw7bhehysxkk.jpeg?1716050789)
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Please help:
I tried applying today by clicking on https://www.hdfcbank.com/personal/pay/cards/cre... > Millenia > Apply online. But it shows me only 3 cards: DCB(god forbid), Swiggy, Tata Neu Infinity - Rupay. So I can't get Millenia then?
Swiggy one says:
10% Cashback* on Swiggy on Food Orders, Instamart, Dineout & Genie,
5% Cashback* on Amazon, Flipkart, Myntra, Ajio, Netflix, Ola, Uber, Nykaa, BookMyShow and several other platforms
500 renewal
Tata Neu one says:
Upto 10% Cashback* on partner Tata Brand Spends like BigBasket, Croma... etc.
1.5% for rest.
1499 renewal but 1499 neucoins as welcome benefit.
Can anyone please guide which one would be better. I mostly do 3-4k/month txn on AZ. And 2k/month(Instamart - milk) on Swiggy(Currently use 3.3% gift card load from AZ) so thinking to take Swiggy one but Rupay one will help me to link CC to UPI. Bit confused. Thanks