Need help with HDFC LTF Credit Card
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I’m already holding my Regalia First CC for last 4 years and wanted to upgrade to Regalia.
The current card is also not LTF (Rs 1,000 annual charges waived off on spends of Rs 1,00,000) but there are so many threads here that says that HDFC is offering the cards as LTF now.
I’m pretty much confused now.
I even spoke with the cc for an upgrade but they say there is no offer for you. I even applied for another card in Aug which eventually got rejected. My cibil score is around 830 and that shouldn’t be an issue since I’m holding other cards having limit as high as 6 lakhs.
I would really appreciate if someone could suggest me in getting my HDFC card upgraded and ways to make it LTF (I know the utility bill payments method is one of them).
Should I close my current regalia first card and apply for a fresh one or approach the bank directly for an upgrade?
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Even if you apply for another card , it’ll be rejected. Hdfc rarely allows one person to hold 2 hdfc ccs. Your best bet is convincing customer care.
Their straight forward reply is to drop the relevant docs to nearest hdfc bank for an upgrade
I got cc approved on hdfc savings account without being pre-approved. I don’t have a pre approved offer on my account, so I decided to apply simply by entering as self employed, and uploaded no income documents. They gave a check on my cibil score which is 780, and look regarding my credit history. I have a simply click fd based card with limit of 30k on fd of ₹40k. Now hdfc gave me a limit of 40k without any verification. No call, no address verification nothing.
So if anyone holding fd based card and good cibil score must give a try for hdfc card.
I got 48k limit without credit score .
Without fd.
Without any income proof.
No adress verification.
Just applied using year old saving account
I didn’t even keep much of balance but I did 40k transaction per month for debit card cashback .
which debit card bro? I’ve easyshop platinum. Is it any good or I should apply for millennia one? Please guide.
only once and it was with a minor amount.
like for a bill of 20000 I missed it by around 400 by mistake.
Other than that, the bills were paid on time.
Finally got my Regalia First upgraded to Millennia CC (LTF condition – smartpay registration)
Thanks to all dimers who suggested and helped.
I have spent 50k on my Millennia CC. How do check if it is now LTF or not ?
Same I have spent 3 LK plus Smart pay , How to confirm it is LTF
@akki.akki @SunnyKh call customer care on 08061606161 and ask them if the card is LTF
Only thing you can do is ask Customer care to convert it into LTF I guess. Try threatening them by saving you want to close your credit card since it isn’t LTF but currently HDFC is providing LTF to everyone