Swiggy hdfc ltf

[prashantmodi21]

I am a hdfc digisave accountholder with credit score of 773 almost after a month my account will convert to regular savings account as i am completing 25. I recently got to know about ltf swiggy card offer and even i am getting it ltf when i checked out. But i am looking for millenia ltf as it is a complete card for me has almost same features as swiggy hdfc and it is a core card can be used for instant discount on sale, lounge access and now you can make upi payments with 1% cashback with card on rupay platform. Possibly I'll get it at the year end as it is offered for ltf last year i hope it can be same for this year as well. But now i am in dilemma should i get swiggy hdfc now as it is ltf free till 31st oct or wait till year end for millenia ltf. Another thing is that if i get swiggy card now will I get millenia as i already have co-branded card and it is hard to get core card with co-branded card. Help me to figure out

 

[anuragmukherjee28]

Hey, I was actually in a similar situation recently, so totally get your confusion. Here’s how I’d look at it, if you’re getting the Swiggy HDFC LTF right now, it’s honestly not a bad deal at all. It’s great for food and online spends, and since it’s lifetime free, there’s no harm in having it even if you don’t use it much later. That said, I completely agree that the Millennia is a more rounded card. It covers travel, shopping, UPI via RuPay, lounge access basically an all-rounder. If HDFC repeats their LTF offer for Millennia like last year, it’s definitely worth waiting for that.

Now, about holding both, yes, sometimes HDFC is picky when it comes to giving a core card if you already have a co-branded one. But since Swiggy is an entry-level card, many users have still managed to upgrade or apply separately for Millennia later (especially if their income profile or credit limit improves). Worst case, you can always close the Swiggy card when Millennia is approved. So if you don’t want to miss the LTF Swiggy offer, just grab it now. It’s free anyway. Then keep an eye out for Millennia LTF offers at year-end, you can always apply or request an upgrade later. Basically, no harm in taking Swiggy now, but Millennia is definitely the long-term keeper

 

[prashantmodi21]

Hey, I was actually in a similar situation recently, so totally get your confusion. Here’s how I’d look at it, if you’re getting the Swiggy HDFC LTF right now, it’s honestly not a bad deal at all. It’s great for food and online spends, and since it’s lifetime free, there’s no harm in having it even if you don’t use it much later. That said, I completely agree that the Millennia is a more rounded card. It covers travel, shopping, UPI via RuPay, lounge access basically an all-rounder. If HDFC repeats their LTF offer for Millennia like last year, it’s definitely worth waiting for that.

Now, about holding both, yes, sometimes HDFC is picky when it comes to giving a core card if you already have a co-branded one. But since Swiggy is an entry-level card, many users have still managed to upgrade or apply separately for Millennia later (especially if their income profile or credit limit improves). Worst case, you can always close the Swiggy card when Millennia is approved. So if you don’t want to miss the LTF Swiggy offer, just grab it now. It’s free anyway. Then keep an eye out for Millennia LTF offers at year-end, you can always apply or request an upgrade later. Basically, no harm in taking Swiggy now, but Millennia is definitely the long-term keeper

Have you got swiggy hdfc?

 

[anuragmukherjee28]

Yes, I have HDFC Swiggy credit card