Need to know about HDFC LTF procedure

123°
Deal Cadet
raknaz

Hi,

HDFC is showing me i am eligible for Millenia card when login from my netbanking account. The LTF conversion procedure says 

" Spend Rs. 50,000 in first 90 days" (https://www.hdfcbank.com/personal/pay/cards/cre...)

1) Do wallet loads like Paytm, Mobikwik, freecharge , or amazon pay eligible for LTF conversion? has anyone tried?

2) How does the smartpay active status work?

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Deal's Advocate Deal's Advocate
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Buy 10k Amazon gv through Smartbuy every month for 3 months.. and sell it off at 2%.
30k will be completed easily..
For the rest 20k u can buy Amazon gv from other sources and sell it at a loss of 2%
Or
If you know any petrol pump guy.. swipe ur card for 20k at minimum charges..
Or u can order something for urself..
Choose whichever suits you..
And btw congrats for your new card..

Deal Cadet Deal Cadet
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sujith8786 wrote:

Buy 10k Amazon gv through Smartbuy every month for 3 months.. and sell it off at 2%.
30k will be completed easily..
For the rest 20k u can buy Amazon gv from other sources and sell it at a loss of 2%
Or
If you know any petrol pump guy.. swipe ur card for 20k at minimum charges..
Or u can order something for urself..
Choose whichever suits you..
And btw congrats for your new card..

Forgot the rent payment?

Deal's Advocate Deal's Advocate
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Knight11 wrote:

Forgot the rent payment?

I don’t do rent payment bro. So completely forgot about it.. joy joy Yes OP can do rent payment to other family members account..

Deal Cadet Deal Cadet
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sujith8786 wrote:

Buy 10k Amazon gv through Smartbuy every month for 3 months.. and sell it off at 2%.
30k will be completed easily..
For the rest 20k u can buy Amazon gv from other sources and sell it at a loss of 2%
Or
If you know any petrol pump guy.. swipe ur card for 20k at minimum charges..
Or u can order something for urself..
Choose whichever suits you..
And btw congrats for your new card..

I think fake rent payments can be done as well. Better to choose some platform with minimal charges maybe redGirrafe

Deal's Advocate Deal's Advocate
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MrMonkey wrote:

I think fake rent payments can be done as well. Better to choose some platform with minimal charges maybe redGirrafe

Yeah.. I was Hinting op about that only bro joy

Deal Subedar Deal Subedar
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Congrats. Also please do remember regarding the amazon gift voucher (if showing up during application) which they might not send automatically and need to follow up later.

Super Stud Super Stud
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sujith8786 wrote:

Buy 10k Amazon gv through Smartbuy every month for 3 months.. and sell it off at 2%.
30k will be completed easily..
For the rest 20k u can buy Amazon gv from other sources and sell it at a loss of 2%
Or
If you know any petrol pump guy.. swipe ur card for 20k at minimum charges..
Or u can order something for urself..
Choose whichever suits you..
And btw congrats for your new card..

Petrol pump idea is good, i also had been thinking about it.

In my area, upi payments. The guy recieves in his personal GPay sweat_smile
Most probably routes that via someone’s cc

Deal's Advocate Deal's Advocate
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xxxyyyzzz wrote:

Petrol pump idea is good, i also had been thinking about it.

In my area, upi payments. The guy recieves in his personal GPay sweat_smile
Most probably routes that via someone’s cc

Yeah.. should be beneficial for both sides.. joy

Deal Subedar Deal Subedar
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is it possible to transfer amount to my another account with redgiraffe?

what are the charges for that?

Deal Cadet Deal Cadet
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nirmaltvd wrote:

is it possible to transfer amount to my another account with redgiraffe?

what are the charges for that?

i tried, it ask to register as agent. the easy way  i found is use paytm or cred rent payment

Deal Subedar Deal Subedar
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raknaz wrote:

i tried, it ask to register as agent. the easy way  i found is use paytm or cred rent payment

is any charges for that in cred or Paytm?

any documents needed?

Delhi Capitals Delhi Capitals
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add all the bills electricity/water/gas/dth/insurance in smartbuy

thank me later

Deal Cadet Deal Cadet
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i asked hdfc customer care email and they replied that wallet loads will be counted as spend

Deal Cadet Deal Cadet
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nirmaltvd wrote:

is any charges for that in cred or Paytm?

any documents needed?

no documents needed. i tried in paytm min kyc account and transferred money to my own bank account. charges are ~2% i think

Deal Cadet Deal Cadet
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Got Regalia and now I need to spend 1lakh in 90 days. Can you please suggest if insurance payments using Amazon Pay is covered under retail spend? Will that give us LTF? I got some insurance payments to be paid.

Deal Cadet Deal Cadet
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kingkhan9 wrote:

Got Regalia and now I need to spend 1lakh in 90 days. Can you please suggest if insurance payments using Amazon Pay is covered under retail spend? Will that give us LTF? I got some insurance payments to be paid.

use paytm/cred/mobikwik rent pay and send it to ur own account, there will be some charges or load wallets like paytm/mobikwik or buy amazon gv using smartbuy

Deal Cadet Deal Cadet
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raknaz wrote:

use paytm/cred/mobikwik rent pay and send it to ur own account, there will be some charges or load wallets like paytm/mobikwik or buy amazon gv using smartbuy

My question is paying insurance payments using HDFC regalia covers the 1lakh requirement or not?

Deal Cadet Deal Cadet
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kingkhan9 wrote:

My question is paying insurance payments using HDFC regalia covers the 1lakh requirement or not?

its better to get email proof from them. i asked them only wallet loads and they said it will cover. ask them in email to this , customerservices.cards [at] hdfcbank [dot] com

Chennai Super Kings Chennai Super Kings
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but rent payments and wallet loading are not retail spents . I got mail from hdfc where they clearly mentiones that only retails spents would be calculated. Dont know why hdfc bank did not provide clear cut information . Can anyone share how can i talk with hdfc credit card customer care on call as whenever i call on no. Thy have provided on website there is no.option to talk with customer care executive

Chennai Super Kings Chennai Super Kings
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sujith8786 wrote:

Buy 10k Amazon gv through Smartbuy every month for 3 months.. and sell it off at 2%.
30k will be completed easily..
For the rest 20k u can buy Amazon gv from other sources and sell it at a loss of 2%
Or
If you know any petrol pump guy.. swipe ur card for 20k at minimum charges..
Or u can order something for urself..
Choose whichever suits you..
And btw congrats for your new card..

where i can sell my amazon gift vouchers . And what things i should kept in mind to protect my self from fraud while selling gift vouchers

Deal's Advocate Deal's Advocate
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kushwahveersingh566825 wrote:

U can sell them in trading section of desidime ..
Be wise while selling or u will end up losing all your money..
Don’t deal with newbies..
Deal with senior Dimers.. caution here also..as many reported fraud

U can sell them in trading section of desidime ..
Be wise while selling or u will end up losing all your money..
Don’t deal with newbies..
Deal with senior Dimers.. caution here also..as many reported fraud..
If you can use the vouchers for yourself then it’s well and good..

Chennai Super Kings Chennai Super Kings
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raknaz wrote:

its better to get email proof from them. i asked them only wallet loads and they said it will cover. ask them in email to this , customerservices.cards [at] hdfcbank [dot] com

https://cdn0.desidime.com/attachments/photos/752249/original/Screenshot_20220316-224320_Gallery.jpg?1647450820

this is ss of email from official hdfc bank customer care about my query that would wallet spents will be considered as spent based LTF offer? where customer care clearly mentioned that wallet spents will be considered as spents under LTF offer so now we all can recharge our wallet on paytm or any other wallet app and we can make our card LTF easily .

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