after which I got HDFC Freedom Card as additional card from HDFC My Cards app (which I closed in a month due to lack of features) with 500+gst fees (merged limit),
then I applied for HDFC tata neu card from tata neu app and it instantly got approved due to existing relationship with bank with 500+gst fees (merged limit),
then I applied HDFC Swiggy Card from swiggy app which also got approved for same reason (due to existing relationship with bank) with 500+gst fees (merged limit),