Share your HDFC Credit card application experience

Cards Eligible :- Money-back, intermiles,Millennia
Card Applied:- Millennia
Date Applied :- 22 Aug 2021
Applied as (Student/Salaried/business/housewife): Student
Approved/Rejected :- Approve
OTP SMS received on Date:- 04/09/2021

Getting the option to apply for business Moneyback, thinking if I should apply or wait for a better card.
.
Read somewhere that Business card to premium card upgrade is next to impossible.

Surprisingly, it has been the fastest CC, I have got in terms of process. It took less than 48 hours since the time I had applied and the time I have received OTP to generate the PIN.

Cards Eligible:- Regalia
Card Applied:- Regalia
Date Applied:- 17-Sep
Applied as (Student/Salaried/business/housewife): Salaried
Approved/Rejected:- Approved on 17-Sep
OTP SMS received on Date:- 19-Sep for generating PIN

I dont know if i am in some fraud or genuine

received SMS of some OTP for my card application, (earlier received messages like its in process/in review/approved in principle)

now when i check thru card tracking it either shows decline (when using mobile+DOB) or error (when using application number received thru SMS) https://leads.hdfcbank.com/applications/webform...

when check thru only mobile by https://apply.hdfcbank.com/vivid/trackappli...on it says “Your application in under review.”

meanwhile i did thru whatsapp of hdfc 7065970659 , blocked my credit card (not received yet)fearing some fraud

i still have not received any tracking number , and have already emailed to customer

Cards Eligible :- Moneyback, Millenia
Card Applied :- Millenia
Date Applied :- 17-Sep
Applied as :- Salaried
Approved
OTP SMS date :- 23-Sep

Is it true that HDFC bank giving LTF credit cards now-
1) Is it 100% LTF, or any conditions?
2) Also I see 1500₹ gift voucher, how to avail?
3) What brand voucher, and how to choose?
4) Should I go for CSC Bharat Cashback Credit Card?

1. yes except for items excluded under smartbuy.
https://offers.smartbuy.hdfcbank.com/offer_deta...

Offer is not applicable on Amazon and Flipkart on following categories
1. Flight Bookings, Prepaid / Gift Cards, Bill Payments & Recharges
2. Purchase of Video Gaming Consoles & Hardware
3. Prime membership
4. Amazon Fresh orders
5. Amazon Pay Balance
6. Amazon for Business
7. Jewelry / Gold coins or its equivalent

2. usually within 60 days.

3. millennia card cashpoint

4. https://www.desidime.com/deals/upcoming-hdfc-ba...

5. smartbuy offer exclusive to hdfc cards(excl payzapp card for practical purposes), payzapp offers may be availed using non-hdfc linked card cards in payzapp.

I don’t have any savings account or credit card with hdfc. I was being shown regalia and intermiles card, but I wanted millennia for 5% cashback on rent payment via nobroker. So, I restarted and applied with a lower salary and got millenia offer. Now I was facing issues in uploading documents with mobile. So, it resulted in again multiple tries. Finally I applied on laptop in one go from start to end. Also, after card selection, it said to spend 50K in 90 days for LTF, so not sure if that is standard text or I actually need to complete that.

Now I see around 10+ applications under my Mobile number. Only one is submitted and others are “under review”. So, I don’t know if I will be eligible for LTF and 1500 voucher offer or not. This application was done on 27th September. Next day I got to know about new rewards system of millenia, which was again a disappointment.

The last page said card is approved in principle subject to internal policies. Also said being redirected to another page for application completion, and application won’t be considered complete and applicable for fee waiver without that. But nothing happened after that. Probably this was for smart pay as mentioned by some other users. But since I didn’t select smart pay option, it didn’t redirect me.

Got a mail on same day saying we have already received ur application earlier (probably they are referring to those 10+ incomplete applications) and is under process.

Current status after 5 working days still at INPROCESS.

Now the terms have changed.

Terms & Conditions
For Gift Vouchers, the customer has to meet the two criteria mentioned herewith -
the application is completed end-to-end digitally by the customer without taking any bank representative assistance
the customer performs 1st transaction of Min. Rs. 500 within first 14 days
Gift voucher code will be sent to customers within 60 days of card issuance month.
For Lifetime Free Credit Card, the customer has to meet the minimum retail spends condition within first 90 days (refer below)
Classic Card customers Premium Cards customers Super Premium Cards customers
Spend Rs. 30,000 in first 90 days Spend Rs. 50,000 in first 90 days Spend Rs. 1,00,000 in first 90 days

Classic Cards include – HDFC Bank Moneyback Plus Credit Card, HDFC Bank Freedom Credit Card, IndianOil HDFC Bank Credit Card, HDFC Bank Business Moneyback Credit Card
Premium Cards include – HDFC Bank Millennia Credit Card, Intermiles HDFC Bank Platinum Credit Card
Super Premium Cards include – HDFC Bank Regalia Credit Card, HDFC Bank Business Regalia Credit Card, Intermiles HDFC Bank Signature Credit Card

Please note – HDFC Bank Infinia Credit Card is offered on invite-only basis and standard annual pricing is applicable on the card. As per RBI advisory, we are currently issuing Credit Cards on VISA and RUPAY networks only.

HDFC Bank has the sole right to determine and approve credit limit as per internal credit policy and guidelines

they are not processing online applications for non-hdfc bank customers. confirmed from bank.