Which card is best from following ?

144°
Deal Cadet
TempAcc

HDFC branch person is offering me the below options against IndusInd with matched limits and without ITR.
It will be my primary card as of now, hence requesting everyone to suggest which one should I choose.

My uses are:
Annual spend<60,000
Utility bills of ~2500/month,
Casual online shopping,
Fuel ~2500/month
International lounge access if easily available.

LTF ( when retail spends of 30,000 in first 90 days ) :
(1) IndianOil
(2) Freedom
(3) Moneyback +
(4) Business Moneyback
(5) Indigo 6E rewards

LTF ( when retail spends of 50,000 in first 90 days ) :
(6) Millennia
(7) Intermiles Platinum

Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
42 Comments  |  
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Deal Cadet Deal Cadet
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Image of Offer page :
(click on image to redirect to high resolution image)
https://cdn0.desidime.com/attachments/photos/723692/medium/8091578IMG-20211119-133146-01.jpg?1637310506

Deal Subedar Deal Subedar
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TBH, your annual spends are low; ~60K annual, so there won’t be much of a difference for you; Simply get Millennia CC, however you will have to spend 50K in 90 days, to make it LTF, which might be a challenge for you looking at your spend pattern, still you can achieve this by maybe using some rent payment to rotate money and accomplish this spend (I personally don’t suggest this in general, but since it’s onetime you can go for it)

Deal Cadet Deal Cadet
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Go for miliniea do rent payment and transfer to yourself through Paytm i guess 1 % will be charged

Blaze Blaze
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Go for Millennia and as suggested by fellow dimers, use rent pay to send money to your family members or friends to meet the requirements.

Deal Subedar Deal Subedar
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Millennia CC is the card you are looking for

Also
After you fill up keep a xerox copy of that form in case of any dispute regarding LTF

Deal Cadet Deal Cadet
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Thank you everyone, filled form for millennia blindly.

Deal Cadet Deal Cadet
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So credit card staff are at their best again. received a call from the agent I applied now, she told now HDFC has changed their policy. For millennia now it’s a minimum of 100k for old CC. she told me she applied for moneyback and if I don’t want that then I can deny it at the time of verification call.

So should I accept moneyback? and if I decline will be there any inquiry already made for moneyback ?

@BlueFlash @SastaRaju @pranavcool @prem4998

Blaze Blaze
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TempAcc wrote:

So credit card staff are at their best again. received a call from the agent I applied now, she told now HDFC has changed their policy. For millennia now it’s a minimum of 100k for old CC. she told me she applied for moneyback and if I don’t want that then I can deny it at the time of verification call.

So should I accept moneyback? and if I decline will be there any inquiry already made for moneyback ?

@BlueFlash @SastaRaju @pranavcool @prem4998

Hard enquiry is the first thing they do once the application is successfully submitted. Most of the banks do an enquiry on the day we submit the application or within 2 days of application.

If you have no other option and must need a card from HDFC for festive offers, then get the moneyback card for now and fullfill the spend condition and wait for an upgrade to Millennia.

I am not a HDFC customer yet, Applied through the agent for Millenia 2 weeks back. The person who spoke to me on the 2nd verification call suggested me to go regalia since my existing card limit is high and chances of approval is high for Regalia. So I went with it. Now asked the same person to change from Regalia to Diner Club Privilege after seeing on of the post here about the card. Hopefully they will accept my request or else I am gonna keep the regalia and wait for an upgrade to Infinia or DCB. Know it’s not an easy task to get upgrade to Infinia but gonna try my luck.

Subject to approval though joy

Deal Cadet Deal Cadet
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prem4998 wrote:

Hard enquiry is the first thing they do once the application is successfully submitted. Most of the banks do an enquiry on the day we submit the application or within 2 days of application.

If you have no other option and must need a card from HDFC for festive offers, then get the moneyback card for now and fullfill the spend condition and wait for an upgrade to Millennia.

I am not a HDFC customer yet, Applied through the agent for Millenia 2 weeks back. The person who spoke to me on the 2nd verification call suggested me to go regalia since my existing card limit is high and chances of approval is high for Regalia. So I went with it. Now asked the same person to change from Regalia to Diner Club Privilege after seeing on of the post here about the card. Hopefully they will accept my request or else I am gonna keep the regalia and wait for an upgrade to Infinia or DCB. Know it’s not an easy task to get upgrade to Infinia but gonna try my luck.

Subject to approval though joy

Thanks for quick reply man
Our of curiosity visited the branch, she told me application is not submitted yet. Verification call will come from that branch itself. So I have time to take decision, and as you told any card is better than NO hdfc card.

Deal Cadet Deal Cadet
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TempAcc wrote:

So credit card staff are at their best again. received a call from the agent I applied now, she told now HDFC has changed their policy. For millennia now it’s a minimum of 100k for old CC. she told me she applied for moneyback and if I don’t want that then I can deny it at the time of verification call.

So should I accept moneyback? and if I decline will be there any inquiry already made for moneyback ?

@BlueFlash @SastaRaju @pranavcool @prem4998

Deny shit card

Deal Subedar Deal Subedar
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TempAcc wrote:

Thanks for quick reply man
Our of curiosity visited the branch, she told me application is not submitted yet. Verification call will come from that branch itself. So I have time to take decision, and as you told any card is better than NO hdfc card.

Its not a good card , would ignore unless you are in dire need of hdfc card

Blaze Blaze
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TempAcc wrote:

Thanks for quick reply man
Our of curiosity visited the branch, she told me application is not submitted yet. Verification call will come from that branch itself. So I have time to take decision, and as you told any card is better than NO hdfc card.

You are most welcome! Just sharing what I learned from experts here. I am still a newbie grin

Deal Cadet Deal Cadet
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pranavcool wrote:

Deny shit card

Actually currently I own only OneCard and Secured IndusInd Aura Edge with a limit of 90k. Onecard is no use for card2card and IndusInd is 12 months old and I need that FD amount soon.
Can you please recommend any good card from the good bank so that I can get my desired card after 1 year on card2card based on that card?
CIBIL : 773+
ITR : <5L
Status : Self-employed
Current card and limit : From IndusInd, 90k, using for 1 year now.

Ps. My father owns the BOI, Flipkart axis and my uncle has HDFC, ICICI, Apay ICICI. So I am covered for most sales from that.

cc @SastaRaju @prem4998 @BlueFlash

Deal Subedar Deal Subedar
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TempAcc wrote:

Actually currently I own only OneCard and Secured IndusInd Aura Edge with a limit of 90k. Onecard is no use for card2card and IndusInd is 12 months old and I need that FD amount soon.
Can you please recommend any good card from the good bank so that I can get my desired card after 1 year on card2card based on that card?
CIBIL : 773+
ITR : <5L

Ps. My father owns the BOI, Flipkart axis and my uncle has HDFC, ICICI, Apay ICICI. So I am covered for most sales from that.

cc @SastaRaju @prem4998 @BlueFlash

Why not apply HDFC cc online and not via agent ? Try this route once see what all cards you are eligible for from hdfc apply site.

Also, what all savings account do you hold ? Since most of the banks offer pre-approved card if holding a savings account (although the variant might be entry level).

Blaze Blaze
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TempAcc wrote:

Actually currently I own only OneCard and Secured IndusInd Aura Edge with a limit of 90k. Onecard is no use for card2card and IndusInd is 12 months old and I need that FD amount soon.
Can you please recommend any good card from the good bank so that I can get my desired card after 1 year on card2card based on that card?
CIBIL : 773+
ITR : <5L

Ps. My father owns the BOI, Flipkart axis and my uncle has HDFC, ICICI, Apay ICICI. So I am covered for most sales from that.

cc @SastaRaju @prem4998 @BlueFlash

With less than 5L income you cannot get any good cards if you apply on your own. Trust me, My income is also under 5L and I am self employed so super hard than salaried category.

Best way to get an unsecured CC with >3L credit limit is to open a savings account with HDFC or ICICI and maintain your MAB above 1L for 2 to 3 months. You will automatically get pre-approved cards without any condition for LTF.

I got my first CC from ICICI by maintaining MAB above 2L for 3 months. But my account was opened in 2019 as silver variant but they upgraded to something bigger than that.

With the limit that I got from my ICICI card I could easily apply for any premium credit cards from any banks on C2C route.

For sale offers you are already covered since your father and uncle has CCs from all the top banks that offers festive offers.

If you do not care about LTF, then you are missing SBI cards for festival offers. Simplyclick is easy to get on C2C or even ITR of less than 5L, if salaried.

Blaze Blaze
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prem4998 wrote:

With less than 5L income you cannot get any good cards if you apply on your own. Trust me, My income is also under 5L and I am self employed so super hard than salaried category.

Best way to get an unsecured CC with >3L credit limit is to open a savings account with HDFC or ICICI and maintain your MAB above 1L for 2 to 3 months. You will automatically get pre-approved cards without any condition for LTF.

I got my first CC from ICICI by maintaining MAB above 2L for 3 months. But my account was opened in 2019 as silver variant but they upgraded to something bigger than that.

With the limit that I got from my ICICI card I could easily apply for any premium credit cards from any banks on C2C route.

For sale offers you are already covered since your father and uncle has CCs from all the top banks that offers festive offers.

If you do not care about LTF, then you are missing SBI cards for festival offers. Simplyclick is easy to get on C2C or even ITR of less than 5L, if salaried.

Joining fee is returned in the form of Amazon GV and if your annual spend is more than 1L then annual fee is also reversed. SBI is a must for festival offers online.

Blaze Blaze
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BlueFlash wrote:

Why not apply HDFC cc online and not via agent ? Try this route once see what all cards you are eligible for from hdfc apply site.

Also, what all savings account do you hold ? Since most of the banks offer pre-approved card if holding a savings account (although the variant might be entry level).

No luck bro I tried already and they only show moneyback for ITR of 5L and at a later time I entered my gross income as 7L and still only moneyback and 2 other shit card. No Millennia.

Deal Cadet Deal Cadet
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BlueFlash wrote:

Why not apply HDFC cc online and not via agent ? Try this route once see what all cards you are eligible for from hdfc apply site.

Also, what all savings account do you hold ? Since most of the banks offer pre-approved card if holding a savings account (although the variant might be entry level).

SBI: Using from 2 years __ ~5000 MAB
ICICI youth account: Using from 10 months __ ~15000 MAB

Used SBI CC for 1+1 years. both against FD. So having quite relationship with SBI.

Deal Cadet Deal Cadet
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prem4998 wrote:

With less than 5L income you cannot get any good cards if you apply on your own. Trust me, My income is also under 5L and I am self employed so super hard than salaried category.

Best way to get an unsecured CC with >3L credit limit is to open a savings account with HDFC or ICICI and maintain your MAB above 1L for 2 to 3 months. You will automatically get pre-approved cards without any condition for LTF.

I got my first CC from ICICI by maintaining MAB above 2L for 3 months. But my account was opened in 2019 as silver variant but they upgraded to something bigger than that.

With the limit that I got from my ICICI card I could easily apply for any premium credit cards from any banks on C2C route.

For sale offers you are already covered since your father and uncle has CCs from all the top banks that offers festive offers.

If you do not care about LTF, then you are missing SBI cards for festival offers. Simplyclick is easy to get on C2C or even ITR of less than 5L, if salaried.

Thanks, man.
Used Secured SBI CC for 1+1 years. Closed both after 1 year to skip annual fees, which was a mistake I believe.
How about maintaining 2lac+ in SBI or AXIS? As both banks accept 3rd party ASBA. So I can utilize that amount frequently without harming the MAB.

Blaze Blaze
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TempAcc wrote:

Thanks, man.
Used Secured SBI CC for 1+1 years. Closed both after 1 year to skip annual fees, which was a mistake I believe.
How about maintaining 2lac+ in SBI or AXIS? As both banks accept 3rd party ASBA. So I can utilize that amount frequently without harming the MAB.

Do not know about SBI but in Axis, a friend of mine got Myzone CC as LTF with just 10k net salary per month in 2019 and maintaining 0 balance joy. So, if you are salaried then axis is good for getting pre-approved CC as LTF. I never came across any non-salaried person got a card as LTF by just maintaining balance in Axis. So if there is anyone here who can confirm this then it’s better.

Regarding ICICI and HDFC, I can guarantee a premium CC with decent 6 digit limit for 2L MAB.

Deal Subedar Deal Subedar
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TempAcc wrote:

Actually currently I own only OneCard and Secured IndusInd Aura Edge with a limit of 90k. Onecard is no use for card2card and IndusInd is 12 months old and I need that FD amount soon.
Can you please recommend any good card from the good bank so that I can get my desired card after 1 year on card2card based on that card?
CIBIL : 773+
ITR : <5L
Status : Self-employed
Current card and limit : From IndusInd, 90k, using for 1 year now.

Ps. My father owns the BOI, Flipkart axis and my uncle has HDFC, ICICI, Apay ICICI. So I am covered for most sales from that.

cc @SastaRaju @prem4998 @BlueFlash

See
Simply click then much better than Moneyback

Deal Cadet Deal Cadet
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SastaRaju wrote:

See
Simply click then much better than Moneyback

MF confirmation agent called me on tuition time repeatedly 7 times, I called him back just after 1 minute and he didn’t pick. tried 4 times, but all in vain. Now my application is accepted and proceeding further. Is there any chance that I can fight with the manager for approving a different CC without my concern and ask him the millennia? As an inquiry might be made on my CIBIL, so now there is no sense to decline the card at this stage pensive

cc. @prem4998

Blaze Blaze
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TempAcc wrote:

MF confirmation agent called me on tuition time repeatedly 7 times, I called him back just after 1 minute and he didn’t pick. tried 4 times, but all in vain. Now my application is accepted and proceeding further. Is there any chance that I can fight with the manager for approving a different CC without my concern and ask him the millennia? As an inquiry might be made on my CIBIL, so now there is no sense to decline the card at this stage pensive

cc. @prem4998

Did you got the below message from HDFC?

Your HDFC Bank Cr Card App XXXXXXXXXXXXX is under review.SMS TWV XXXXXX to 5676712.This is valid for 2 hrs.Visit Bank website for status.Conditions apply

Also did you try tracking your application? What did it said?

Deal Cadet Deal Cadet
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prem4998 wrote:

Did you got the below message from HDFC?

Your HDFC Bank Cr Card App XXXXXXXXXXXXX is under review.SMS TWV XXXXXX to 5676712.This is valid for 2 hrs.Visit Bank website for status.Conditions apply

Also did you try tracking your application? What did it said?

Yes, received same. Got below message after few minutes :
Dear Applicant Your HDFC Bank Credit Card App ref no ********* is approved in principle subject to Internal Checks.

Application status states ‘in progress’

Blaze Blaze
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TempAcc wrote:

Yes, received same. Got below message after few minutes :
Dear Applicant Your HDFC Bank Credit Card App ref no ********* is approved in principle subject to Internal Checks.

Application status states ‘in progress’

That’s it then. Bureau enquiry is already made which triggered the principal approval. So I suggest you keep the card for now.

Regarding my Regalia application, Received 3rd verification call today and same messages as you so cheers on that mate joy

I am planning to open HDFC Classic savings account(0 MAB) and start use it as my primary bank for all my transactions so I could get Infinia upgrade easily as per RM. Visited the branch today and spoke with RM regarding everything, he was so supportive and I even promised him a car loan if he can get me Infinia as LTF.

PS 4 wheeler is already on my list so not gonna hurt to take it from HDFC which has competitive rates in the market. Also Infinia LTF is not an easy task for RMs for self employed. I can’t even imagine Infinia as LTF in the near future so let’s see what he can do in the next 1 year.

I suggest the same route for faster upgrade. But Moneyback to Millennia can be easily achieved with just good spends so savings account is not a must but optional.

Missing