HDFC Bank Credit Card Q&As

[Venkata Ramesh Chandra V]

I want to apply for a Hdfc credit card in particular as I have 5 to 6 other bank cards and most of the offers these days are from Hdfc. I don't have any account with hdfc. Where can I apply.

I've applied for a Hdfc card directly on their website. After giving my details, it showed that I'm eligible for some diners club card and millenia card. I selected millenia card and uploaded docs also. Finally it gave a reference number saying my application is approved in principle and will be subject to terms and conditions.

Need to see if it will approved ultimately or not.

 

[NikhilS]

This right?

Are you a customer of HDFC Bank?

 

[Venkata Ramesh Chandra V]

@Nikhil Sharma I got the same email too. I'm not a Hdfc bank customer and I do not hold any savings bank account with hdfc.

I got a call today confirming if I had applied for hdfc card and enquired if I hold a Hdfc bank account. I said no. Need to see how this goes. BTW, my credit score is around 800.

 

[Sudarshan61]

This right?

Are you a customer of HDFC Bank? View attachment 4561

This message means nothing honestly.
Its just system message after some checks (kind of automated)

 

[NikhilS]

Got it

 

[amish]

HDFC used to offer some deals due to which even Regalia would become lifetime free. My father has regalia which has 0 annual fees.

I don't know of any Regalia holder who pays the annual fees, everyone claims they've converted it into LTF using the 3 month smartpay option.

Okay maybe I can give some info. I got various calls from the bank for pre approved credit cards, and from the hdfc portal also. I always told them to contact me once regelia is there for my account. About a month after my first salary got credit I got a call saying regelia is pre approved for lifetime free credit card. I applied for it online, since it was pre approvee, got virtual credit card details withing 1 hour of applying via e mail. Normal cc arrived within 3 days.

Also I was informed that regelia first is being decommissioned and people will recieve regelia as a replacement if they have a card.

Edit: Diners club was also available but it was only first year free. Even though the card is great I don't think I will like to pay the 10k fee/year since I won't be spending that much to get my next year free.

I have a scary query, because everything looks too good to be true!

So I got email from HDFC bank offering Lifetime free card. So just for checking terms and conditions I clicked on the link and checked what card is available and it was HDFC Regalia. (I had no clue about its benefits or limits)

And then I didnt do anything. And then within 5 minutes I got a call from some representative and he told me that its completely free. There is no commitment to spend XYZ amount per year. All I have to do it link two bills for smartpay.

For some reason - I trusted the guy and applied for the card. He asked me to enter some agent code which I did.

And then within an hour or two - I received virtual card via e-mail. To my surprise the limit on card was 3 lakhs and 12 airport lounge access for free. (This alerted me, because why would they give such high limit card for free for lifetime? I was like - there will definitely be some hidden charge somewhere)

Then next day - same guy called me again and asked me to login to netbanking and I linked two bills for smartpay. (again asked me to add some agent code)

Now he said - everything is done. I asked him 2-3 times that there should be no hidden charges and no yearly spending condition. He said not to worry and its free without any condition.

I checked their email - no where there is mention of Lifetime free and no where there is mention of Smartpay.

So anyone has any idea - if I have been fooled by representative or the offer is indeed true?

Where do I contact to get it actually in writing that - it is indeed a Lifetime free card. And also what are condition to keep it life time free?

What if I deactivate smartpay after 4 months? Is there any hidden condition of minimum spending to keep it free?

Thank you.

 

[Jonas]

You've not been conned.

The card will become lifetime free if you fulfill these conditions:

Option 1 for First Year Free :
a : If you do retail transaction for an amount of Rs. 30,000.00 (within in 90 days from the card setup date)
b : If you register your credit card for any one of the below products within 90 days from the card set up date.
Fastag (or)
EasyEMI (or)
c : If you do 02 ( TWO ) transactions each month for 3 consecutive months

Option 2 for Life Time Free Card : which will be offered if you fulfull any one of the conditions within 90 days from the card set up date.

a. Smartpay one bill registration excluding Pre-paid mobile (or)
b. One Assist
c. If you do 04 ( FOUR ) transactions each month for 3 consecutive months - (Each transaction worth minimum INR 500)

We wish to clarify that Smart-Pay has to be in active status for 90 days so that the card status will be changed to life time free. Cancelling Smart-pay will result in levy of Membership fee on card.

 

[amish]

@Samuel - wow thank you - where did you get the information from? I would also like to get such thing in writing from HDFC.

So option 2 a) is what applies to me but the representative told me that it should be two bills that I need to register for smartpay.

I hope I dont have to fulfill option 2 b) or 2 c) because I am not going to use card much.

Also is there any definition of transaction for 2c)? If I simply add 500Rs 4 times to Amazon wallet - is it acceptable?

 

[Smh]

@amish just to be safe get written confirmation on email. You can remove smartpay after the required period of 3-4 months.

 

[Sudarshan61]

Attached are the condition for making HDFC cards as LTF or FYF(First year free).

Shared album from Sudarshan 📸

Tap to view!

photos.app.goo.gl