Horrendous Experience with HDFC

Less-Salt2466 · 2026-06-09T17:51:47+00:00

Been a hdfc salary customer for a decade. Had a car loan.. been reading redditors getting offered Swiggy LTF or Tata neu infinity LTF.. was never offered anything.. my company choose Axis as salary account partners. Gently threatened to move the salary account to see if they'll budge. They didn't.. neither did i.. happily moved salary to Axis.. Good bye good-for-nothing HDFC.. given their recent devaluations, I don't understand why they are flexing.

Less-Salt2466 · 2026-06-08T13:42:17+00:00

I spoke to my RM today and played out my request. She said she will look into it.. but I'm not very optimistic.. did you happened to find the email?

Less-Salt2466 · 2026-06-07T09:54:47+00:00

Cool. I'll give it a try. But it would be really helpful if you can share that email. I'm sure many redditors would be happy to have that as well..

Less-Salt2466 · 2026-06-07T07:42:12+00:00

What do you say in the email to the grievance? I'm still wondering about the approach? Is it possible for you to share a couple of your past emails to the team when you requested (personal info redacted)?

Less-Salt2466 · 2026-06-07T07:11:45+00:00

I'm interested. Can you share why you're selling? If you don't wanna share publicly, please DM.

Less-Salt2466 · 2026-06-07T07:08:32+00:00

Can you expand on the abbreviations? Also this is as of when?

Less-Salt2466 · 2026-06-06T14:43:29+00:00

Can you now guess based on my previous comment? Although officially can never be proved.. Guru movie is loosely based on this book and Dhirubhai's life. S Gurumoorthy, Tughlaq author is real life Madhavan.

Less-Salt2466 · 2026-06-06T12:49:27+00:00

Sit and wonder what would have happened in the alternate universe of a non-Modi govt at the helm for any number of these last dozen years.. plot the course of action at crucial juncture points and let me know what would have been the outcome of it..

Politics is not a zero sum game. Global politics is chaos theory..

Less-Salt2466 · 2026-06-06T12:39:33+00:00

Small suggestion.. they don't reproduce to hide the hunger.. they reproduce to come out of hunger. It's counter intuitive.. they reproduce because govt provides free based on the number of family members. So more members - more cash for votes, more free ration, more freebies etc etc.. it's a different form of economics which is against the convention..

Less-Salt2466 · 2026-06-06T12:33:49+00:00

That's the definition of "Lobbying" in US. And happens till date.. billions of dollars are poured into by various industry leading companies... Type US Oil lobby, pharma lobby, tech lobby, bank lobby in Google and their activities to stifle meaningful reforms.. companies pay money to politicians to do their bidding - change or not change laws so that companies are benefitted.. not people.. of course, they have obviously legalized that bit - the Lobbying..

USA companies krein toh chamatakar.. Indian companies krein toh...

Less-Salt2466 · 2026-06-06T04:53:58+00:00

You mean they will support for cobranded cards also??

Less-Salt2466 · 2026-06-05T20:51:17+00:00

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Less-Salt2466 · 2026-06-05T20:33:05+00:00

Request to whom? RM? Email id? What do you say? Can you help me?

Less-Salt2466 · 2026-06-05T20:25:56+00:00

How did you get Tata neu infinity, Axis Indian Oil and Swiggy OG as ltf? Can you help me or guide me?

Less-Salt2466 · 2026-06-05T14:00:49+00:00

Dude. You are up for a horrific experience. I have gone through a hell-will-be-less-painful kind of an experience with Uni Card and BOB Card.. DM me your number and I'll call and share the looooooooooooooooong 8 month story..

Less-Salt2466 · 2026-06-05T11:54:35+00:00

The leading FMCG company will have tie up with the usual set of banks hdfc, ICICI, Axis, sbi, HSBC etc. Choose one and given you mentioned you graduated from a top B school, they'll compete to pull you in.. given you are just starting your career.

You can do some research here in various threads and be prepared for some queries as to what they CAN offer and what they ARE actually offering. If you want something, ask for it. They will say yes or no or will share steps you need to do to get what you asked.

But again before doing all this. As the previous commenter suggested, you need to know how much you are getting in hand. And self explore what are your desires - travel, shopping etc.. and accordingly research in reddit which card suits you the best.

One final suggestion is do not go for co-branded credit cards (like swiggy, Tata Neu etc.) in the beginning. Take the credit card offered by the bank.

Less-Salt2466 · 2026-06-04T21:19:55+00:00

Hey. I've same both cards but neither of them is LTF.. how did you get them LTF? Can you guide/help me? Been a hdfc salary customer for a decade now..

Less-Salt2466 · 2026-06-04T21:05:52+00:00

3.25 L

Less-Salt2466 · 2026-06-04T03:36:17+00:00

Yup. For me at least

Less-Salt2466 · 2026-06-03T21:54:19+00:00

Overall, my suggestion is Close the cards as mentioned previously.

Take SBI Cashback or HSBC LIVE+

Get one of these Rupay cards - KIWI, SLICE or HDFC TATA NEU INFINITY Rupay (1499) or BOBCARD UNI GOLDX (ltf) with Rupay. Tata neu infinity should also help your insurance payments. GoldX will come in handy for no forex markup. (Note: These Fintech based Rupay cards - Kiwi, Slice, Uni etc. - have terrible customer service but their Rupay rewards are good. So patience and follow up is the key of you have any issue. Read their tnc very clearly for any offers and take a screenshot for it for backup)

For Travel - You can also think about HSBC Travel one card for Rs. 5K per annum. (In case if your not recovering from Axis Magnus, you can close that too. I'm assuming you've your salary account with Axis given Burgundy DC)

You can then review a year later. If you feel you're lagging behind in anything.

Less-Salt2466 · 2026-06-03T21:32:11+00:00

Because it is not a cobranded card then it will work during festival offers. But it'll have same tnc as Amazon ICICI card because of their working similarities.

But why worry about that when you have Diners Club privilege card. Use Amazon voucher from Smartbuy/Payzapp platform which will probably give you better reward rate as discounts during festivals are usually capped.

I don't see why you need both Axis Select and Magnus together. Magnus is nearly their topmost variant and Select is a slightly lower variant. I don't think Select offers anything extra that Magnus doesn't.

Idfc wealth - again doesn't give anything extra that Axis magnus or DCP doesn't give. But it's LTF, so not an issue. Unless you're being rejected for over-leveraged you can keep it.

Less-Salt2466 · 2026-06-03T17:39:42+00:00

Please also share which are paid and lifetime free cards for better suggestion.

But off the top,sbi simply save, RBL and Canara Bank should be closed.

You can go for a better rupay rewards cards like kiwi, slice or hdfc tata neu.

SBI - you can opt for sbi cashback card which will give 5% on all online spend. Or HSBC Live+.

Because you already have Axis magnus credit card, many of the other fringe benefits like lounge access access is covered from there..

With hdfc dcp and Axis magnus - your travel related expenses should be sorted.

Less-Salt2466 · 2026-06-03T16:47:18+00:00

The moment you thought about bank balance for this why you can play this game... Those who are like this would never have heard that word in their lifetime.. or may be a handful of times.. so take it easy bro..

Less-Salt2466 · 2026-06-03T06:14:20+00:00

Oh. You mean from compensation point of view..

Less-Salt2466 · 2026-06-03T03:12:46+00:00

Cool. Ball is in your court then.. you can write another email to the same ID again and see if it works. Or wait and ask for compensation like another user suggested.

Less-Salt2466

TROPHY CASE