Seeking Advice: HDFC DigiSave Youth vs Regular Savings Account for Pre-Approved Credit Card Opportunities

[Sagnik]

I am a 19-year-old student currently focused on building my credit profile. At present, I have a zero-balance SBI account with a virtual debit card (no maintenance fees) and two FD-backed secured credit cards (SuperCard and ZET Card, ₹5,000 limit each).

My goal is to develop a good CIBIL score and eventually qualify for an unsecured pre-approved credit card from HDFC Bank. To achieve this, I am considering opening a new bank account with HDFC. I am evaluating two options:

First, the HDFC DigiSave Youth Account, which is targeted at individuals aged 18 to 25 years. It has a monthly average balance (MAB) requirement of ₹5,000 and a debit card fee of ₹200 plus GST per annum.

Second, the HDFC Regular Savings Account, which is a standard savings account for the general public. It has a ₹10,000 MAB requirement (I am not referring to the Savings Max account which requires ₹25,000). The debit card fee here is ₹500 plus GST per annum.

I am comfortable maintaining a balance of around ₹25,000 in the account.

My main questions are:

Which account would improve my chances of receiving a pre-approved unsecured credit card offer faster?

Does HDFC internally prioritize Regular Savings account holders over DigiSave account holders for credit card offers?

Thank you in advance for your valuable guidance.

TLDR:
19-year-old with secured cards. Choosing between HDFC DigiSave (₹5k MAB) and Regular Savings (₹10k MAB). Goal is to get pre-approved unsecured credit card. Which is better?

 

[RitamModak]

Use digisave youth account ...first year free ..maintain a balance more than required amb ...you will get pre approved offer .. use payzapp wallet for daily upi payments make it full kyc ...it makes high chance for getting hdfc pixel play card ..Which is offering LTF now...


in my scenario i have a good credit history ...but no bank accounts with hdfc ...so whenever try any co branded or core cards ..it is rejected...then i open digisave ...apply for tata neu after i add money to my bank ...instant i got 151000 limit ..before hdfc account it is asking for fd

 

[raj..]

Use digisave youth account ...first year free ..maintain a balance more than required amb ...you will get pre approved offer .. use payzapp wallet for daily upi payments make it full kyc ...it makes high chance for getting hdfc pixel play card ..Which is offering LTF now...


in my scenario i have a good credit history ...but no bank accounts with hdfc ...so whenever try any co branded or core cards ..it is rejected...then i open digisave ...apply for tata neu after i add money to my bank ...instant i got 151000 limit ..before hdfc account it is asking for fd

Have you submitted any itr or income docs?

 

[Sagnik]

Use digisave youth account ...first year free ..maintain a balance more than required amb ...you will get pre approved offer .. use payzapp wallet for daily upi payments make it full kyc ...it makes high chance for getting hdfc pixel play card ..Which is offering LTF now...


in my scenario i have a good credit history ...but no bank accounts with hdfc ...so whenever try any co branded or core cards ..it is rejected...then i open digisave ...apply for tata neu after i add money to my bank ...instant i got 151000 limit ..before hdfc account it is asking for fd

Can you check and tell me one thing? I opened my DigiSave account today, and I had selected a branch near my home as my home branch, but after opening my account, I saw that my account branch is showing as "KANJURMARG WEST". Is it the default branch for all the online accounts, or is something wrong with mine?

 

[raj..]

Can you check and tell me one thing? I opened my DigiSave account today, and I had selected a branch near my home as my home branch, but after opening my account, I saw that my account branch is showing as "KANJURMARG WEST". Is it the default branch for all the online accounts, or is something wrong with mine?

It will be changed to the selected branch after 24-48 hrs.
They 1st open ac there and then transfer it to the selected branch.

 

[raj..]

Shit! I thought that was a glitch, and I did that manually through their online portal! Will it cause a problem?

No problem.
Still if you face any issues you can contact their customer care. Their customer care team is very active.
Wait for 3 days 1st.

 

[RitamModak]

Have you submitted any itr or income docs?

NO BRO ...JUST ACCOUNT OPENED

 

[raj..]

NO BRO ...JUST ACCOUNT OPENED

Okay thanks,
Mine is 3 months old, lets see what I get after 6 months.

Keeping 1lakh + and doing bill payments, upi, cc bill n all.

 

[Sagnik]

Use digisave youth account ...first year free ..maintain a balance more than required amb ...you will get pre approved offer .. use payzapp wallet for daily upi payments make it full kyc ...it makes high chance for getting hdfc pixel play card ..Which is offering LTF now...


in my scenario i have a good credit history ...but no bank accounts with hdfc ...so whenever try any co branded or core cards ..it is rejected...then i open digisave ...apply for tata neu after i add money to my bank ...instant i got 151000 limit ..before hdfc account it is asking for fd

I recently saw one thing that from my number, there was one Payzapp account which was registered with my mom's PAN with minimum KYC. I contacted customer care, but there is no way I can delink my mom's pan or delete the account and create a new one, etc. So I have two questions:
1)Will using that Payzapp account with my mom's PAN attached help me in any way?
2)May I compensate this by using hdfc mobile banking app for UPI payments?

 

[Sagnik]

NO BRO ...JUST ACCOUNT OPENED

What employment status did you fill out while opening the account?(If you don't mind sharing)

 

[Sagnik]

No problem.
Still if you face any issues you can contact their customer care. Their customer care team is very active.
Wait for 3 days 1st.

It got updated the next day, and the request was closed automatically. Thanks btw.

 

[RitamModak]

What employment status did you fill out while opening the account?(If you don't mind sharing)

SELF EMPLOYED ...AND INCOME ABOVE 6 LAKH WILL BETTER..