Any txn will do except for emi/cash withdrawal etc.

Regarding HDFC credit life time free condition.
I received HDFC moneyback+ credit card which was offered pre-approved to me. I read the t&c. to make it LTF. But I didn’t understand what kind of spends will be counted. Retail spends means what offline/ online? Will wallet load / fake rent pay be considered?
@guest_999 @getready
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Share the screen shot / link for the same ?
Cash transactions, Cash—on-Call, Balance Transfer, Standing Instruction, Personal Loan on credit card are not
considered as spends. Any transactions which are reversed or cancelled will not be considered
as spends. Also, returned purchases, disputed or unauthorized/fraudulent transactions, card
account fees & charges will not be considered for this offer. Further, Wallet load and EMI
transactions will not be considered as spends
Edit: Its safe to assume that all those transactions that are eligible for reward points can be considered as retail spends
getready wrote:Cash transactions, Cash—on-Call, Balance Transfer, Standing Instruction, Personal Loan on credit card are not
considered as spends. Any transactions which are reversed or cancelled will not be considered
as spends. Also, returned purchases, disputed or unauthorized/fraudulent transactions, card
account fees & charges will not be considered for this offer. Further, Wallet load and EMI
transactions will not be considered as spendsEdit: Its safe to assume that all those transactions that are eligible for reward points can be considered as retail spends
The old tricks paytm tricks for wallet load not working. Can only load up to 2K per month.
getready wrote:Cash transactions, Cash—on-Call, Balance Transfer, Standing Instruction, Personal Loan on credit card are not
considered as spends. Any transactions which are reversed or cancelled will not be considered
as spends. Also, returned purchases, disputed or unauthorized/fraudulent transactions, card
account fees & charges will not be considered for this offer. Further, Wallet load and EMI
transactions will not be considered as spendsEdit: Its safe to assume that all those transactions that are eligible for reward points can be considered as retail spends
Just tell me wallet load is considered or not?
sanketpero wrote:Just tell me wallet load is considered or not?
It is not
Mufasa wrote:The old tricks paytm tricks for wallet load not working. Can only load up to 2K per month.
Even if they allowed 10k instead of 2K, I would’ve skipped loading Paytm wallet
Can try loading some unknown/new wallets (still risky*) but I wouldn’t bother considering the popular options like Mobikwik, PayTm
Do you know where to check the amount we have already spent for LTF offer?
I cant keep a track of it due to different nature of the txns done during sale period.
AFAIK 35K has to be spent during first 90 days, I lost the booklet
getready wrote:Even if they allowed 10k instead of 2K, I would’ve skipped loading Paytm wallet
Can try loading some unknown/new wallets (still risky*) but I wouldn’t bother considering the popular options like Mobikwik, PayTm
Paytm wallet load was straightforward while mobikwik which allows up to 5K without charge needs to be sent to merchant account in order transfer in bank account.
Did you get 1500 amazon vouchers post approval of the card?
Mufasa wrote:The old tricks paytm tricks for wallet load not working. Can only load up to 2K per month.
Bhai. 10k per month for 3 months is a doable task bhai. Rent payment can be done via creditcard. Make a rent arrangement with your parents and use redgiraffe. 🙂🙂🙂 And you can always avail Billpay feature to get your CC conditionally LTF.
bond007 wrote:Do you know where to check the amount we have already spent for LTF offer?
I cant keep a track of it due to different nature of the txns done during sale period.AFAIK 35K has to be spent during first 90 days, I lost the booklet
No, I have no idea how to track if milestone stone is achieved or not? Best of option is ask CC or tweet hdfc.
Mufasa wrote:Paytm wallet load was straightforward while mobikwik which allows up to 5K without charge needs to be sent to merchant account in order transfer in bank account.
Did you get 1500 amazon vouchers post approval of the card?
There’s no fee for bank transfer w/ PayTm? I remember this being user-specific but there has always been a transfer fee for my account
and regarding HDFC, i haven’t applied for the card now (LTF*)
but as there’s no concrete t&c for the exclusions.. its safe to consider all the exclusions for the spend based offers and make purchases accordingly ( CC won’t help )
https://www.hdfcbank.com/content/api/contentstr...?
^^ Found this here : https://www.hdfcbank.com/personal/pay/cards/cre... ( Shopping >> FAQ on Voucher )
Yes fake rent pay works. Paid rent last month and the card got converted to LTF few days back (or earlier Idk).
FYI, I have millenia card but it should work for money back too.
For Regalia amount needed?
hitesh_19 wrote:Yes fake rent pay works. Paid rent last month and the card got converted to LTF few days back (or earlier Idk).
FYI, I have millenia card but it should work for money back too.
I recieved millenia today , how will i know if it becomes ltf? Don’t have savings account so can’t keep track through mobile banking either.
Are all upgrades from HDFC net banking for credit cards LTF ???
People here have also got LTF upgrades for DCB and Infinia..
hitesh_19 wrote:Yes fake rent pay works. Paid rent last month and the card got converted to LTF few days back (or earlier Idk).
FYI, I have millenia card but it should work for money back too.
Do we recieved any mail or sms for lifetime free on achieving spends, if Yes after how much time?
PappuPager wrote:Are all upgrades from HDFC net banking for credit cards LTF ???
People here have also got LTF upgrades for DCB and Infinia..
No all HDFC credit card has some annual unless you fulfill the condition to make them LTF. Entry & mid level card can br easily converted to ltf by spending certain amount. However high variant cards are not ltf & banks decides whether to convert it ltf or not in the basis of your spending pattern. If banks getting some profits from your spending they will either make it LTF or waive off card fee for certain periods.
hitesh_19 wrote:Yes fake rent pay works. Paid rent last month and the card got converted to LTF few days back (or earlier Idk).
FYI, I have millenia card but it should work for money back too.
Can millennia card be converted LTF? I guess it gas 1K annual fee.
demerius2020 wrote:For Regalia amount needed?
1 lakh.
