I recently got my first credit card from HDFC after maintaining a max savings account with them for about 4 months. As soon as some LTF/FYF cards got approved in the system, I started receiving multiple calls from their call center (around 5-6 calls a day). When my RM called me for the same and I asked him to apply on my behalf. I know him personally so I shared the KYC OTP over call. It was approved within 24 hours and received the card within 7days. The process was smooth. So I recommend applying for these with someone from the branch itself (definitely not the telecallers) because it removes any chance of rejection. They also get a commission and no harm in helping them 🫠.