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Urgent Advice -HDFC Millenia- C4C basis (Card to Card)- Worthy of Applying?

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Deal Cadet
itsmehd5

Hey Dimers,

I got whatsapp message from HDFC Sales Rep (Tie up with HDFC), saying that I can apply for HDFC Millenia which would be on Card for Card Basis & will be unconditional LTF.

Also she got the link generated & sent on mobile for applying CC HDFC.

Can anyone tell that the Credit card would be unconditional LTF  by this way? (i.e. No joining, LTF & no min conditional spends)?


@guest_999 @bohemian @MrKool_JJ @avgn @stella.dmonte654 @Sins1995  

@Lobogris @sujith8786 @PowerStar @Scorpion @xxxyyyzzz @Tanmayyy @RowdyAK47 @avijeet

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79 Comments  |  
27 Dimers
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Deal Subedar Deal Subedar
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Yes but you need to active smartbuy for 3 months. Ask rep for tnc

Deal Cadet Deal Cadet
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She did not tell me that I need to activate smartbuy @stella.dmonte654

Update: She informed me on call that smartbuy need not be activated

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Deal Cadet Deal Cadet
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Has anyone got unconditional LTF by C4C basis?

She says offer is valid from 1st till 31st May 2022 & sent me this as Proof that its LTF unconditionally. @stella.dmonte654 See this

https://cdn0.desidime.com/attachments/photos/767989/medium/HDFC_Unconditional_LTF1.jpeg?1652781611

Benevolent Benevolent
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Whatever it is get it in writing….

Deal Lieutenant Deal Lieutenant
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Apply Directly From Website Itself 

Deal Lieutenant Deal Lieutenant
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One More Thing If U Applied Thru Agent 

U Wont Get 1500 Or 1000 GV 

So Apply Directly In HDFC Site

Helpful Helpful
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c2c works?

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Deal Cadet Deal Cadet
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Go ahead and do it and let us know you got it LTF or not sweat_smile. By the way, what’s the minimum limit they asked for the existing CC?

Finance Ninja Finance Ninja
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1 lakh minimum for c2c for millenia

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Finance Ninja Finance Ninja
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Don’t trust it unless she mails you from her official email id.if she doesn’t and If you still want an hdfc card , apply through their website.

Critic Critic
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Only indusind card agent will ever reply from an official email id(of bank), none other will even if they are genuine 3rd party card agent.

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Deal Cadet Deal Cadet
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Isn’t it better to go for C2C via RM rather than 3rd party if have account with HDFC? Of course will be losing out on vouchers.

Deal Cadet Deal Cadet
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Yeah same query I had on my mind  @bohemian @guest_999 @yolodime @Scorpion

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Pro Community Angel Pro Community Angel
Moderator
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Looks like it will not be able to keep it’s shine, to the speed they are pushing for this card everywhere. triumph Another one will bite dust soon!!

Entertainer Entertainer
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HDFC inside themselves don’t have a good coordination.

1) My RM told I will not loose GV benefit(1500 on applying) if I applied through RM. I did the same instead of applying through netbanking. 
Couple of days later my RM got changed.
Now they are saying I am ineligible as I took help of bank representative.

2) Raised a complaint regd above cheating, all they are doing is arranging a callback from new RM…. he says he can’t do anything in this.  This happened twice expressionless

3) RM says I have to spend 50k to make it LTF, customer care says it’s 30k expressionless

4) Got fed-up and wanted to close the card. RM says I have to submit a form to Chennai credit card office.
CC says I can do it online too joy

Generous Generous
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You mean coordination in manipulation? joy

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Generous Generous
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Got LTF same way last month via C2C
True Ltf no conditions
Confirmed on email and call both by HDFC
No 1500 Rs voucher in this case

If you want 1500 voucher and LTF both then wait for HDFC ore approved offer

Deal Cadet Deal Cadet
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@avgn;

Did the agent confirm you on email that it would be unconditional LTF? What did you do for that? Please shed some light

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Helpful Helpful
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I too was not getting pre approved offers for HDFC account.
So I directly applied from their site.

To my surprise it got approved will the good limit. And recently got LE as well.


And yes it was LTF unconditional

Finance Mentor Finance Mentor
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When did you processed the application.
Was it mentioned somewhere during the application processing that your card will be LTF unconditional.

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Crusader Crusader
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Firstly apologies for the delayed response..

The process as many Dimers quoted is a bit risky as everything is based on non formal interaction..

If this card is of utmost emergency then u may proceed with the same..
Be prepared to spend 50k in 90 days to get it Ltf if something is messed up..

Else u can wait for pre approved offers which are given every quarter..

Beacon Beacon
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How to check if HDFC cc is LTF?

Deal Subedar Deal Subedar
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Please double-check the “Unconditional LTF

Give it a shot … u r at no loss .. 

Deal Newbie Deal Newbie
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I applied c2c basis  through sell person tie with bank as in your case . They told me to attach a bill on smartpay for LTF . I attached bill but did not pay any bill on smartpay i always reject their transection on smart pay. Beside this i constantly askin them on mail that does my card is Ltf or not after every 3 -4days . Many times they reply that they can tell about LTF status after 90 days . But i keep on sending mail to them.One day the before (on 40 th days of card issue)reply that my cad is LTF same is written on my 2nd month card statement . I dont know which factor make my card LTF (c2c or bill attachment (did not pay single rs) or mailing them frequently ) but fortunately my card is LTF without meeting any spent criteria or bill payment on smartpay 

Deal Newbie Deal Newbie
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its worthy if you get lifetime free because I got millennia

Benevolent Benevolent
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I Heard C2C , What Is C4C In Credit Card ??

Analyst Analyst
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Card for(4) Card.. same as C2C

Deal Cadet Deal Cadet
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is cibil hit when we do c2c offer ? 

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