hoodedRobin
KF Expert
This is like an open diary post. Writing about my experience of applying HDFC Millennia card.
I plan to update it every EOD as the story unfolds.
Includes my thought process. Read with caution.
Background:
Me? Consider a salaried person. Had HDFC as salary account in past, now its just a regular savings account breathing on minimum balance.
Already holding CCs of other banks. Had Swiggy card too. Then closed it within a year.
Closing the card increased my cibil score, exceptional case.
Why Millennia ? Just to keep a core HDFC card. For online sale/offer coverage.
Important ! getting it as LTF, not my regular card.
HDFC does show me Freedom card as LTF. I don't want it. I look down upon it. Even the moneyback+ card too. Don't ask why.
Got to know HDFC is in swing to offer LTF cards till Dec 19 - Jan 16, 2025. I guess something is up, issuing card as much before RBI twist their arm again ?
I checked in December it only shows Freedom, Swiggy and Neu cards. I transfer some money into my HDFC savings account. Let's see if it shows me Millennia after few days.
Jan 1:
New year and I tried. It does show me Millennia. Rare moment, expectation coming true.
Went ahead with the application process. Have put in new delivery address, permanent address remains same. Mostly details are same as last time with Swiggy card.
Annual income I put 6 LPA. Completed the application process.
Status : INPROGRESS.
Jan 3:
Got a call.
Caller says they are from HDFC bank. They know my name and address and about card application.
They ask me a weird question. If I'm staying with family or a bachelor in my delivery address. I thought its lame, even for a fraudster but I am excited. I complied with an answer, just for some action in my life. They don't ask any other follow up question. I am disappointed.
Lets see.
Status : INPROGRESS.
Jan 4:
Got a mail during lunch time today. The card is approved. Sigh, such an anti-climax.
Status : APPROVED.
I plan to update it every EOD as the story unfolds.
Includes my thought process. Read with caution.
Background:
Me? Consider a salaried person. Had HDFC as salary account in past, now its just a regular savings account breathing on minimum balance.
Already holding CCs of other banks. Had Swiggy card too. Then closed it within a year.
Closing the card increased my cibil score, exceptional case.
Why Millennia ? Just to keep a core HDFC card. For online sale/offer coverage.
Important ! getting it as LTF, not my regular card.
HDFC does show me Freedom card as LTF. I don't want it. I look down upon it. Even the moneyback+ card too. Don't ask why.
Got to know HDFC is in swing to offer LTF cards till Dec 19 - Jan 16, 2025. I guess something is up, issuing card as much before RBI twist their arm again ?
I checked in December it only shows Freedom, Swiggy and Neu cards. I transfer some money into my HDFC savings account. Let's see if it shows me Millennia after few days.
Jan 1:
New year and I tried. It does show me Millennia. Rare moment, expectation coming true.
Went ahead with the application process. Have put in new delivery address, permanent address remains same. Mostly details are same as last time with Swiggy card.
Annual income I put 6 LPA. Completed the application process.
Status : INPROGRESS.
Jan 3:
Got a call.
Caller says they are from HDFC bank. They know my name and address and about card application.
They ask me a weird question. If I'm staying with family or a bachelor in my delivery address. I thought its lame, even for a fraudster but I am excited. I complied with an answer, just for some action in my life. They don't ask any other follow up question. I am disappointed.
Lets see.
Status : INPROGRESS.
Jan 4:
Got a mail during lunch time today. The card is approved. Sigh, such an anti-climax.
Status : APPROVED.
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