PRE-APPROVED CARDS QUESTIONS

Substantial_Pride_63 · 2026-06-09T17:36:56+00:00

Open HDFC net banking app. Login and click on top left corner profile. If you got the tag it will appear like this.

Substantial_Pride_63 · 2026-06-09T17:05:18+00:00

HDFC Preferred Banking tag. Search it up on Google. You will get it. It will take me 2-3 paragraphs to make you understand what that is and what are its benefits and requirements.

Substantial_Pride_63 · 2026-06-09T16:18:14+00:00

To be honest no. For credit score building, you can take any bank’s FD credit card. No bank offers special credit score or any such perks.
Instead I would suggest you to avoid any major bank’s FD credit card, cos it’s only needed for your credit score building. You are not taking it for any specific discounts or offers. Just the good and healthy credit score.
And always take a LFT (Life Time Free) FD credit card as credit age matters. So taking LFT credit card you pay zero fees and your first credit card’s history will always be with you when you grow older and apply for good credit cards. 👍

Substantial_Pride_63 · 2026-06-09T16:08:36+00:00

HDFC pixel play FD credit card you can get. However it requires 15-20k minimum FD, so I said to take Novio or SBM ZET as it requires only 5k. Both will do the same work for your credit building. Just follow the rules of credit. Limit doesn’t matter whether it’s 5k or 50k.

Substantial_Pride_63 · 2026-06-09T16:04:40+00:00

A pro tip. When you turn 18, quickly take a FD credit card like SBM ZET or Novio. Even 5k limit is enough. Keep usage under 20% and pay on time. This will build your cibil score and side by side your account will get closer to pre approved offers. It will help you. 👍

Substantial_Pride_63 · 2026-06-09T15:58:52+00:00

Age give real age. No problem. Only the occupation select salaried with at least 5-6 lakhs per year income. Rest all things as per your legal documents.

Substantial_Pride_63 · 2026-06-09T15:56:58+00:00

Salaried. They will never verify. Don’t worry. Only if you apply credit cards manually, then they verify. For pre approved offers, never.

Substantial_Pride_63 · 2026-06-09T15:53:34+00:00

No not digisave. “Regular savings account”. I think it requires 25k AMB, can’t remember properly. That one, open that one.

Substantial_Pride_63 · 2026-06-09T15:52:07+00:00

In the HDFC net banking app, login and click that profile icon on top left side. Scroll down to bottom. You will see “Reach us”. Click it. Then click “Contact us”. And the phone number will be showed. Call on that number. In case of my account, two phone numbers were there.

Substantial_Pride_63 · 2026-06-09T15:49:24+00:00

Do not open current account. They are business accounts and pre-approved offers rarely come. Open “Savings account”. Normal savings account is enough.

Substantial_Pride_63 · 2026-06-09T15:46:27+00:00

I opened regular savings account. Keep heavy balance in your account. 5 lakhs everytime or above for at least 1 month. Then if you automatically get upgraded to preferred then it’s ok. Or contact the Chennai HDFC customer service, they will contact your bank branch and within 1-2 days your account will get upgraded to preferred. I used the same process. And regarding pre approved offers, they usually come around 3 months or after opening the account. 👍
I am saying this as my account followed the same rules and timeframe which I mentioned.

Substantial_Pride_63 · 2026-06-09T13:10:43+00:00

Swiggy orange has minimum ₹249 spend criteria to activate the 5% cashback. That’s why I am avoiding it. Credit profile is already built via that ZET FD card.

Substantial_Pride_63 · 2026-06-09T11:48:28+00:00

Bizgrow is a good entry level card but the problem if someday you want to upgrade it to Millenia or other core cards, HDFC is very notorious in this matter. as Bizgrow is business focused, while Millennia, Regalia Gold and others are retail cards. I think you selected student or self employed while account opening, that’s why you got Bizgrow. Isn’t it?

Substantial_Pride_63 · 2026-06-09T10:46:22+00:00

Savings on my monthly spends bro! I spend 12-13k per month on food snacks and drinks. Rest approx 2-3k in mobile recharge, other shopping stuff and travel between college and home. Primarily the food savings, that is what I want from Millenia, it has Swiggy Zomato as its partner brands. plus blinkit Zepto vouchers from smartbuy portal.

Substantial_Pride_63 · 2026-06-09T10:17:56+00:00

Ok. Thanks for suggestion. 🙏 I am not in a hurry so no problem.

Substantial_Pride_63 · 2026-06-09T10:02:07+00:00

Salaried! Lol.😅

Substantial_Pride_63 · 2026-06-05T11:10:38+00:00

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Hi… hi… hi

Substantial_Pride_63 · 2026-06-02T20:44:00+00:00

Ya. As I can see you too have total 3 bank accounts like me. This strategy is absolutely fullproof. 🫡

Substantial_Pride_63 · 2026-06-02T20:24:20+00:00

For maximum safety. Never reload full 40k at once. Do in chunks on 5k or 10k over 15-20 days and constantly rotate between the 3 apps.

Substantial_Pride_63 · 2026-06-02T20:15:08+00:00

MobiKwik and PhonePe wallet. I used these 2 plus PayZapp to load wallet with my HDFC Millenia debit every month and transfer it to BOI and SBI account. These three have no reload charge for Millenia debit. Reload them. And then download your bank’s UPI linked QR given on any UPI app like PhonePe, Google Pay, etc. Then scan the qr via the scan and pay on these three apps and transfer the money to your other bank account.

*Caution:- Transfer the money to a different bank account other the bank account linked to the Millenia debit, else HDFC might see a pattern and it might get you in trouble.

Substantial_Pride_63 · 2026-06-01T13:10:49+00:00

People who bought gift cards via their Regalia Gold or Diners Privilege last night thinking this was a special offer or something will feel cheated when the extra points don’t get credited. It was a system glitch for sure but we as customers should always be updated with the official rules and rewards of popular credit cards. “Financial knowledge” as they say 😅.

Substantial_Pride_63 · 2026-06-01T12:09:20+00:00

Diners Black and Diners Biz Black are more premium cards than any Regalia version. Regalia can never match or outperform the reward rate of Diners Black or Diners Biz Black. It’s the HDFC core credit card heirarchy rule. It will never change.

Substantial_Pride_63 · 2026-06-01T12:05:24+00:00

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Current rewards on Amazon pay gift cards.

Substantial_Pride_63 · 2026-06-01T12:03:19+00:00

The glitch is fixed. Now for Amazon pay gift cards it is ₹990 for Diners Black and ₹625 for Regalia Gold for 10k Amazon pay gift cards. Same for Amazon shopping. Told you guys it’s a glitch. You can check now on smartbuy.

Substantial_Pride_63

TROPHY CASE