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Do I need HDFC Swiggy?

tssrao04

tssrao04

Classic
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Joined
May 25, 2024
Messages
218
I already have many good cashback cards including:
  • SBI Cashback
  • AXIS Ace
  • ICICI APay
  • SC Smart
  • HSBC Live+
  • HDFC Millennia LTF
  • HDFC TataNeu Infinity LTF
I have started seeing LTF HDFC Swiggy in the app recently (earlier, it used to be FYF). The only usecase I see is to get double benefit of online instant discounts. If any online website gives instant discount of 1k or 2k with multiple cards, I may chose this to get that and also the 5% up to 1,500.

Also, will HDFC approve 3rd credit card that too LTF as advertised? (My primary banking is with HDFC including the salary account)
Does LTF ad in app really matter? (or will it show FYF later)
 
tssrao04 said:
I already have many good cashback cards including:
  • SBI Cashback
  • AXIS Ace
  • ICICI APay
  • SC Smart
  • HSBC Live+
  • HDFC Millennia LTF
  • HDFC TataNeu Infinity LTF
I have started seeing LTF HDFC Swiggy in the app recently (earlier, it used to be FYF). The only usecase I see is to get double benefit of online instant discounts. If any online website gives instant discount of 1k or 2k with multiple cards, I may chose this to get that and also the 5% up to 1,500.

Also, will HDFC approve 3rd credit card that too LTF as advertised? (My primary banking is with HDFC including the salary account)
Does LTF ad in app really matter? (or will it show FYF later)
Click to expand...
No harm to get one if you use Swiggy/Dineout/Instamart regularly. I hold 4 HDFC cards (2 Diners, 1 Mastercard, 1 Rupay) out of which 3 are LTF so yes very much doable. There are people with even 4 LTF cards for that matter from HDFC.
 
Jay said:
No harm to get one if you use Swiggy/Dineout/Instamart regularly. I hold 4 HDFC cards (2 Diners, 1 Mastercard, 1 Rupay) out of which 3 are LTF so yes very much doable. There are people with even 4 LTF cards for that matter from HDFC.
Click to expand...
Oh cool. I may apply then. Just because it's LTF. I have HSBC Live+ for Swiggy/Instamart anyhow...
 
tssrao04 said:
I already have many good cashback cards including:
  • SBI Cashback
  • AXIS Ace
  • ICICI APay
  • SC Smart
  • HSBC Live+
  • HDFC Millennia LTF
  • HDFC TataNeu Infinity LTF
I have started seeing LTF HDFC Swiggy in the app recently (earlier, it used to be FYF). The only usecase I see is to get double benefit of online instant discounts. If any online website gives instant discount of 1k or 2k with multiple cards, I may chose this to get that and also the 5% up to 1,500.

Also, will HDFC approve 3rd credit card that too LTF as advertised? (My primary banking is with HDFC including the salary account)
Does LTF ad in app really matter? (or will it show FYF later)
Click to expand...
Go ahead and get it.
Even i have Millennia and Neu Infinity, applied for it and it got approved in less than 24hrs
Gap between Neu Infinity and Swiggy: 5 months
 
JonSnow said:
Go ahead and get it.
Even i have Millennia and Neu Infinity, applied for it and it got approved in less than 24hrs
Gap between Neu Infinity and Swiggy: 5 months
Click to expand...
Ok, applied just now. Let's see.

Though I am an existing HDFC customer, they still made a hard inquiry for CIBIL score.
 
Last edited:
tssrao04 said:
Ok, applied just now. Let's see.

Though I am an existing HDFC customer, they still made a hard inquiry for CIBIL score.
Click to expand...
Yes, that happens but there will no vkyc or submitting of any docs.
 
Jay said:
No harm to get one if you use Swiggy/Dineout/Instamart regularly. I hold 4 HDFC cards (2 Diners, 1 Mastercard, 1 Rupay) out of which 3 are LTF so yes very much doable. There are people with even 4 LTF cards for that matter from HDFC.
Click to expand...
Hey, how to the get the fourth card from HDFC, looking to get bonvoy.
 
Ok tried twice through the marriot website, they declined instantly after submission.
 
i already have hdfc dcb card, is it fine to get swiggy or its better to first get infinia, read it somewhere, u get issues if u have multiple cards
 
Infinia would be better before going ahead with other cards. Hdfc is very strict these days for their super premium cards.
 
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