HDFC Pre Approved Credit card ( CLASSIC BANKING PROGRAM )

[Vishalsharma]

Hi
I am using HDFC Classic Savings Account right now from june 1st before it was regular saving account 10k MAB since January. In recent days i am received a offer LTF CARD ( SWIGGY , INDIAN OIL, FREEDOM ) up to 25k of limit in cc but it was too less limit. And i am also using idfc secured card 20ksince January. And I think also to open a fd of rs 2.4 lacs. Note:- this one was going to be my first card

And i need a card

QUESTION: -

If i don't accept this offer so when i received next one ? Any one have idea ?

 

[TaxWiser]

Hi
I am using HDFC Classic Savings Account right now from june 1st before it was regular saving account 10k MAB since January. In recent days i am received a offer LTF CARD ( SWIGGY , INDIAN OIL, FREEDOM ) up to 25k of limit in cc but it was too less limit. And i am also using idfc secured card 20ksince January. And I think also to open a fd of rs 2.4 lacs. Note:- this one was going to be my first card

And i need a card

QUESTION: -

If i don't accept this offer so when i received next one ? Any one have idea ?

I personally prefer accepting the Lifetime Free Swiggy HDFC CC offer. It’s a rare find, and HDFC doesn’t often roll out such great offers. You could also try making an EMI transaction of at least 6-9 months—it might just trigger a credit limit increase offer too.

Pretty sweet deal overall!

Note: Choosing a co-branded HDFC CC as your first HDFC card might make it challenging to get a core HDFC CC in the future. So, make sure to align your decision with your long-term spending patterns and financial goals.

 

[Vishalsharma]

I personally prefer accepting the Lifetime Free Swiggy HDFC CC offer. It’s a rare find, and HDFC doesn’t often roll out such great offers. You could also try making an EMI transaction of at least 6-9 months—it might just trigger a credit limit increase offer too.

Pretty sweet deal overall!

Note: Choosing a co-branded HDFC CC as your first HDFC card might make it challenging to get a core HDFC CC in the future. So, make sure to align your decision with your long-term spending patterns and financial goals.

Thank you for reply but, there is problem they can't give limit increase offer , one of my younger brother use his moneyback cc with 35k limit since 2yrs as of now they don't increase his limit too

That's why I get fear and try to wait and see as they provide me better card with better limit and LTF or not

 

[TaxWiser]

Thank you for reply but, there is problem they can't give limit increase offer , one of my younger brother use his moneyback cc with 35k limit since 2yrs as of now they don't increase his limit too

That's why I get fear and try to wait and see as they provide me better card with better limit and LTF or not

I've personally used this EMI trick multiple times to increase the credit limit—on my own credit cards as well as those of my family and friends within first year of issuance.

 

[Vishalsharma]

What if I don't accept this offer ? And wait a months in which i also think to open fd next month

 

[TaxWiser]

What if I don't accept this offer ?

No idea, honestly!

And wait a months in which i also think to open fd next month

One thing is certain: opening a FD makes zero sense unless you're planning to apply for a secured HDFC CC.

 

[Vishalsharma]

No idont want an another secured card