i_rock098 Posted October 29, 2019 Report Share Posted October 29, 2019 Is there any HDFC credit card that I can get without opening a bank account and more importantly without annual fee?I actually already have two cards from ICICI and Axis (ICICI is amazing as it's the Amazon card, Axis is Meh) looking for HDFC because of the really good cashback offers that they have regularly especially on online and offline stores.Hence any recommendation? Sent from my ASUS_I001DE using Tapatalk Quote Link to comment Share on other sites More sharing options...
AtheK Posted October 29, 2019 Report Share Posted October 29, 2019 17 minutes ago, i_rock098 said: Is there any HDFC credit card that I can get without opening a bank account and more importantly without annual fee? I actually already have two cards from ICICI and Axis (ICICI is amazing as it's the Amazon card, Axis is Meh) looking for HDFC because of the really good cashback offers that they have regularly especially on online and offline stores. Hence any recommendation? Sent from my ASUS_I001DE using Tapatalk I got regalia first without opening an account, no annual fees. It was later upgraded to regalia. Quote Link to comment Share on other sites More sharing options...
i_rock098 Posted October 29, 2019 Report Share Posted October 29, 2019 I got regalia first without opening an account, no annual fees. It was later upgraded to regalia. How did you apply for the same?Also how are the additional benefits? Anything worthwhile? Sent from my ASUS_I001DE using Tapatalk Quote Link to comment Share on other sites More sharing options...
AtheK Posted October 29, 2019 Report Share Posted October 29, 2019 2 minutes ago, i_rock098 said: How did you apply for the same? Also how are the additional benefits? Anything worthwhile? Sent from my ASUS_I001DE using Tapatalk They had a stall in front of my office, just gave copy of ID card and pay slip with adhaar card. It has international and domestic lounge access. Quote Link to comment Share on other sites More sharing options...
i_rock098 Posted October 29, 2019 Report Share Posted October 29, 2019 They had a stall in front of my office, just gave copy of ID card and pay slip with adhaar card. It has international and domestic lounge access. Ah, I am not a traveler at all so the lounge access is absolutely useless for me but I think that's alright since I am planning to get it for shopping only. I applied online. Got a call in 2 days. Got regalia first lifetime free. Ah perfect, will apply for the same through the website and insist on it being lifetime free.On what basis do they decide if the card they give is lifetime free or not? Sent from my ASUS_I001DE using Tapatalk Quote Link to comment Share on other sites More sharing options...
AtheK Posted October 29, 2019 Report Share Posted October 29, 2019 Ah perfect, will apply for the same through the website and insist on it being lifetime free.On what basis do they decide if the card they give is lifetime free or not? Sent from my ASUS_I001DE using TapatalkIt's a lifetime free card automatically AFAIK, you just need to be eligible. Sent from my SM-G965F using Tapatalk Quote Link to comment Share on other sites More sharing options...
R3D_D3ViL Posted October 30, 2019 Report Share Posted October 30, 2019 You can also get LTF if you attach any eligible monthly billing to their SmartPay service. I got my Regalia LTF in this way. But I also hold a savings account with the bank though. Quote Link to comment Share on other sites More sharing options...
playstationdude Posted June 6, 2020 Report Share Posted June 6, 2020 Level of incompetence by SBI-: They have attached the wrong email ID to my CC. Got the CC last Oct, havent used it for transactions so never came to my attention. Recently made a few purchases, decided to install the SBI App for tracking dues. To my shock, some Mr. Oversmart record creator has modified my email address. My email id- firstnamelastname@xyz.com Added email- firstname.lastname@xyz.com Whats the point of making us fill the forms, if you're gonna take liberties with people's info? So basically the CC know my info more accurately than me? So pissed right now. Major breach of security for my card. Lodged a complaint on the app, lets see if they respond. Else will block the card and get the same dropped. This is the second instance of incompetence i've come across with SBI. Recently a friend transferred his home loan from Axis to SBi, amd these guys actually lost some of his Home registration docs he had submitted with them. Assholes werent even searching for them, and after much pleading one of the clerks searched for them and found them in some Almirah. Quote Link to comment Share on other sites More sharing options...
i_rock098 Posted June 7, 2020 Report Share Posted June 7, 2020 Level of incompetence by SBI-: They have attached the wrong email ID to my CC. Got the CC last Oct, havent used it for transactions so never came to my attention. Recently made a few purchases, decided to install the SBI App for tracking dues. To my shock, some Mr. Oversmart record creator has modified my email address. My email id- firstnamelastname@xyz.com Added email- firstname.lastname@xyz.com Whats the point of making us fill the forms, if you're gonna take liberties with people's info? So basically the CC know my info more accurately than me? So pissed right now. Major breach of security for my card. Lodged a complaint on the app, lets see if they respond. Else will block the card and get the same dropped. This is the second instance of incompetence i've come across with SBI. Recently a friend transferred his home loan from Axis to SBi, amd these guys actually lost some of his Home registration docs he had submitted with them. Assholes werent even searching for them, and after much pleading one of the clerks searched for them and found them in some Almirah.SBI has the absolute most pathetic service you can imagine, I am surprised you actually managed to recover your docs. In all my experience they have been extremely rude and not helpful at all. Sent from my ASUS_I001DE using Tapatalk Quote Link to comment Share on other sites More sharing options...
playstationdude Posted June 7, 2020 Report Share Posted June 7, 2020 3 hours ago, adity said: At least on Gmail, the dot doesn't make any difference. Your account should be safe if it was on Gmail. Dunno about other email providers. May be a different story. Not gmail. Its hotmail and I checked someone is using that email address. 1 hour ago, i_rock098 said: SBI has the absolute most pathetic service you can imagine, I am surprised you actually managed to recover your docs. In all my experience they have been extremely rude and not helpful at all. Sent from my ASUS_I001DE using Tapatalk Yeah true. They were not even willing to look for docs. Simply told my friend Sorry, we lost them. I think it was the transfer deed of the house that was misplaced. You can imagine the mental trauma a middle class salaried individual goes through when he is informed that his life savings are going down the drain (it was not possible for some reason to get a duplicate issued). Quote Link to comment Share on other sites More sharing options...
dylanjosh Posted June 7, 2020 Report Share Posted June 7, 2020 Can confirm SBI customer service is sh*t Quote Link to comment Share on other sites More sharing options...
playstationdude Posted June 7, 2020 Report Share Posted June 7, 2020 I will most probably clear of the amount used and get it cancelled if they dont respond by tomorrow. Quote Link to comment Share on other sites More sharing options...
North Posted June 26, 2020 Report Share Posted June 26, 2020 If anybody has an HDFC card, have you enabled autopay on any bills? Like the electricity bill? Is GST applied to that bill amount additionally? Quote Link to comment Share on other sites More sharing options...
playstationdude Posted June 26, 2020 Report Share Posted June 26, 2020 19 minutes ago, Chirag2001 said: If anybody has an HDFC card, have you enabled autopay on any bills? Like the electricity bill? Is GST applied to that bill amount additionally? Afaik they actually wave off the yearly charge( 500 or so) if you have auto pay enabled. 1 Quote Link to comment Share on other sites More sharing options...
AtheK Posted June 26, 2020 Report Share Posted June 26, 2020 (edited) 41 minutes ago, Chirag2001 said: If anybody has an HDFC card, have you enabled autopay on any bills? Like the electricity bill? Is GST applied to that bill amount additionally? i pay electricity and broadband bill using HDFC card auto pay, no GST, as a matter of fact i get 100 rupees cashback. Edited June 26, 2020 by AtheK 1 Quote Link to comment Share on other sites More sharing options...
North Posted June 26, 2020 Report Share Posted June 26, 2020 2 hours ago, AtheK said: i pay electricity and broadband bill using HDFC card auto pay, no GST, as a matter of fact i get 100 rupees cashback. Yes. Thats why I was thinking of enabling it. 3 hours ago, playstationdude said: Afaik they actually wave off the yearly charge( 500 or so) if you have auto pay enabled. 3 hours ago, adity said: Don't have it on hdfc but its no different than paying by any other means. The bill amount gets paid from your credit card. No additional charges or fees that I know of. Thanks for the input, appreciate it Quote Link to comment Share on other sites More sharing options...
i_rock098 Posted September 30, 2020 Report Share Posted September 30, 2020 Just wanted to say thank you to[mention=3542]Walker[/mention] and @El Tigre Chino for all the guidance on HDFC without derailing that thread. The reason I had applied for the card in August itself was to get it in time before the diwali time. Looks like that's not gonna happen. The credit card customer service has mailed me again today to wait. Thinking of waiting this week and next week before I escalate to nodal officer like you recommended. I have the entire trail mail of followup with the first level for two months. Sent from my ASUS_I001DE using Tapatalk 2 Quote Link to comment Share on other sites More sharing options...
El Tigre Chino Posted October 1, 2020 Author Report Share Posted October 1, 2020 @i_rock098 If you are looking for an alternative do check out ICICI's Amazon card. I applied on Saturday and my virtual card was activated and linked to my account by Tuesday with the physical card dispatched for delivery. Just had one call to confirm details. Amazon has a festive deal going on right now so you get a 1,000 rupee cash reward + 5% unlimited cash back on all amazon purchases. Seems like a decent deal if you shop on Amazon a lot. I believe Flipkart has a similar tie-up & deal with Axis. I have an ICICI account already though so that would have helped with fast-tracking the process. Will let post here if I run into any service issues once I start using the card. Quote Link to comment Share on other sites More sharing options...
Bird Bird Bird Posted October 1, 2020 Report Share Posted October 1, 2020 For peeps just wanting to get a quick card, try Onecard. Free, metal, the points aren't great, but they seem to fast track your card if you have good CIBIL and Experian. I got it some days back. Sexy looker ! 1 Quote Link to comment Share on other sites More sharing options...
i_rock098 Posted October 1, 2020 Report Share Posted October 1, 2020 [mention=2437]i_rock098[/mention] If you are looking for an alternative do check out ICICI's Amazon card. I applied on Saturday and my virtual card was activated and linked to my account by Tuesday with the physical card dispatched for delivery. Just had one call to confirm details. Amazon has a festive deal going on right now so you get a 1,000 rupee cash reward + 5% unlimited cash back on all amazon purchases. Seems like a decent deal if you shop on Amazon a lot. I believe Flipkart has a similar tie-up & deal with Axis. I have an ICICI account already though so that would have helped with fast-tracking the process. Will let post here if I run into any service issues once I start using the card.I actually have the icici card since a long time. Even my experience of applying for the card was butter smooth. Infact they sent the card to my old office address which got corrected in 3 days flat. Was genuinely impressed by their service.Unfortunately almost all apple related discounts are tagged with hdfc only usually. I was looking to buy an ipad for dad is why I thought of getting the hdfc card. For peeps just wanting to get a quick card, try Onecard. Free, metal, the points aren't great, but they seem to fast track your card if you have good CIBIL and Experian. I got it some days back. Sexy looker ! That card does indeed look good. Which is the issuing bank? Sent from my ASUS_I001DE using Tapatalk Quote Link to comment Share on other sites More sharing options...
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