HDFC Bank Credit Card Q&As

[Jay]

Hmm. I already have Regalia First. So I guess they're trying to put me onto Regalia Superior then.

Check the Netbanking upgrade section periodically, most often they offer LTF status outright on Regalia. Whether it's worth the upgrade is a different matter altogether.

 

[igloo]

If you already have banking account then chances of asking income docs is rare.
Also Diners clubmiles is better than regalia first if acceptance is not an issue. For millenia benefits change to millenia debit which is mostly free with salary account

 

[NikhilS]

Not sure what is this :/

 

[NikhilS]

Yes. @igloo
Income proof option is not mandatory, it can be bypassed.

 

[Jonas]

So basically, every lender is offering unsecured credit easily, because they know the chances of people defaulting are high during these times. Wonderful.

 

[NikhilS]

True @Samuel

Got a call saying that they approved it, they also said they they will be sending me virtual card on email by the evening.

 

[GR2]

I see this message in the cards section in netbanking.

"Dear Customer, Please Click here to Apply for a LIFE TIME FREE* HDFC Bank Credit Card and get exciting offers !! (*T&C Apply)
( Kindly ignore in case you already have a HDFC Bank Credit Card or have applied earlier. HDFC Bank will provide a credit card according to the Bank''s internal guidelines. T&C Apply)".

Is this for pre-approved cc?.

 

[igloo]

Yes. You ll easily get it. They won't ask for any extra docs.

 

[Ameen]

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

@Nikhil Sharma Millennia is the better option.

Could I ask if millenia or platinum debit card is better?

 

[NikhilS]

I feel Millennia is better in terms of rewards