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Regarding HDFC credit life time free condition.

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Deal Cadet
Mufasa

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

Deal Subedar Deal Subedar
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Share the screen shot / link for the same ?

Mobile Guru Mobile Guru
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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

Deal Cadet Deal Cadet
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M.MAHI wrote:

Share the screen shot / link for the same ?

I read the booklet that comes with hdfc card.

Deal Cadet Deal Cadet
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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 spends

Edit: 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.

Post Emperor Post Emperor
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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 spends

Edit: 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?

Mobile Guru Mobile Guru
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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

Deal Cadet Deal Cadet
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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

Deal Cadet Deal Cadet
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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?

Hunk Hunk
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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.

Deal Cadet Deal Cadet
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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.

Mobile Guru Mobile Guru
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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 )

Deal Subedar Deal Subedar
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Mufasa wrote:

I read the booklet that comes with hdfc card.

What’s the amount required to fullfill for LTF ?

Deal Cadet Deal Cadet
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M.MAHI wrote:

What’s the amount required to fullfill for LTF ?

30K spends withing 90 days.

Deal Newbie Deal Newbie
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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.

The PostMighty The PostMighty
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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.

Deal Newbie Deal Newbie
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Are all upgrades from HDFC net banking for credit cards LTF ???
People here have also got LTF upgrades for DCB and Infinia..

Deal Newbie Deal Newbie
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Tanmayyy wrote:

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.

Mail them asking the ltf status at priorityredressal.creditcards[at]hdfcbank.com or ask with phone banking cc

The PostMighty The PostMighty
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hitesh_19 wrote:

Mail them asking the ltf status at priorityredressal.creditcards[at]hdfcbank.com or ask with phone banking cc

Thank you will save this

Deal Newbie Deal Newbie
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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?

Deal Newbie Deal Newbie
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Sunny431 wrote:

Do we recieved any mail or sms for lifetime free on achieving spends, if Yes after how much time?

As per my experience, complete your spend target and wait till the bill gets generated for that month. After that It should take about 10-15 days for card to be ltf.

Deal Newbie Deal Newbie
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hitesh_19 wrote:

As per my experience, complete your spend target and wait till the bill gets generated for that month. After that It should take about 10-15 days for card to be ltf.

Ok, but is there any communication that is received from hdfc end to us.

Deal Newbie Deal Newbie
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Sunny431 wrote:

Ok, but is there any communication that is received from hdfc end to us.

No. You will need to ask them via email or phone banking

Deal Cadet Deal Cadet
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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.

Deal Cadet Deal Cadet
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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.

Deal Newbie Deal Newbie
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Mufasa wrote:

Can millennia card be converted LTF? I guess it gas 1K annual fee.

Yes but within 90days of card issuance as per hdfc t&c

Missing