HDFC Bank Credit Card Q&As

[mikrotik]

You may see it 'in process' even after you have your card in your hand.
It has happened so many times, I will receive sms of card dispatch after it has been delivered.

 

[a.c]

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.

 

[Nishant]

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

I have a Regalia First card and this is news to me. Any source for this which they can provide?

 

[a.c]

Sorry, it was over a call when I asked him to confirm if it was a regelia and not a regelia first. This is what the guy told me that they are on their way to decommission regelia first (not taking new application) and replace the old cards.
I tried looking for source but nothing is there on the website about it.

 

[Jay]

They are not taking fresh applications for Regalia First however they are still issuing them. I just got my replacement last week.

 

[ijsa]

After Regalia/ AllMiles etc... they have moved my 2 family cards to moneyback card....
Since, we do not use much for shopping, just bills etc, sometimes AliExpress, Amazon.com...
I feel this is a good card.... both LTF.

 

[NikhilS]

Just a question: How much time does it take them to process an application? (A pre-approved)

 

[Jonas]

You'll get the physical card most likely by Bluedart within 2-5 business days.

 

[royalroy]

Hey, has anyone had any experience with SBI credit cards? My dad had applied for one card on 4 September at the local branch. It is still showing 'processing' on the website and the call center executives say the same. He has no credit history (CIBIL/ Experian). But I guess that shouldn't be an issue as my Dad is a central govt employee and has all his banking relations with SBI and none else. His salary account with SBI seems to be the highest tier of salary accounts they provide (platinum or something). There has been no communication since from SBI except for once when a lady from the nearest SBI card head office branch (Durgapur) called him to verify the details on 6 September. The local branch doesn't process credit cards directly. Instead, they forward the applications to Durgapur. He is supposed to receive another verification call from the Gurgaon office, but that is nowhere to be seen!

 

[Jonas]

SBI is quite slow compared to the rest of the companies. You'd surely get the approval, but as you can see already, delayed. Also, on the call they'd tell you all the terms again and take your father's verbal agreement on records.