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My Tata Neu Card Journey - finally LTF offer

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Finance Mentor
Agni007

I have tata neu account, checked credit score months ago but never bought anything ever, nor intend to till I get card as LTF... now thinking if there is any possibility to receive LTF offer?

I have been installing app, checking score on it, then still showed fully paid or FYF, finally uninstalling (sometimes ignore policy triggers LTF as per my view).

What I hate is they show some offer, but when one proceeds to check eligibility, CIBIL is hit hard, then throw on face the real fees... unnecessary to waste CIBIL hits every month...

I did not get the IPL offer for neucard email. Existing 8+ yrs old HDFC CC + account holder with >3L limit.

Disclaimer : Never a fan of NeuCoins (I call it neu-crypto for fun), Just went for the fun of having a "hot" RuPay CC... If somebody mentors me to understand the economics, functioning of neu-crypto and related deals to maximize the use of it, I'd be very thankful...

Updates:

* Reinstalled app today, checked credit score (Experian remained the same around 825) on it after last check data of 3 months ago on neu app... Now showing both Plus and Infinity as LTF (0-0)... smile

* Applied for Infinity at 12AM after entering PAN and it showed LTF there too, chose RuPay variant, logged into HDFC NetBanking to verify request, showed that my current card limit will be shared after 5 days (now 5k provisional). No physical verification for me as I selected existing CC address.

* Current status : Verification in process... Seems should be approved today or expect just a formal consent call from HDFC. CIBIL was hit hard as usual.

* Exactly 24 hours after, in neu app - verification in process is Ticked, didn't receive digital card/sms/email from HDFC yet...

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102 Comments  |  
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Entertainer Entertainer
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Their IPL offer is going on. Offering these LTF cards to everybody 👇🏻

IMG-20230422-WA0000


Helpful Helpful
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And blocking tata neu account resulting in having a useless tata neu infinity LTF card laughing

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The PostMighty The PostMighty
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My policy is like

1 card from each bank

And i already have HDFC Millennia (LTF)

Now soch me padh gaya

Same bank k 2 card rakhna theek hoga ki nahi persevere

Finance Mentor Finance Mentor
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Problem kya hai doosra LTF Mila to? You get access to rupay CC offers even if you are not interested in neu app or neu crypto coins... Limit will also be shared, plus you already know your bank and their history or behaviour (like people who have axis know them as cheats and expect that only)...

Wingman Wingman
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I have not got to choose rupay option. Don't know which card they giving. Applied today
Finance Mentor Finance Mentor
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They gave choice at the footer of the final step... Rupay was the default selection...

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Hunk Hunk
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I have also received the ltf offer yesterday. Applied today morning.. cibil hard enquiry hit.  But not proceeding further.. Screenshot2023-04-22-07-37-33-698com.tatadigital.tcp

Finance Mentor Finance Mentor
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Guess you are not existing HDFC CC holder then?

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Hunk Hunk
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I am already holding HDFC millennia with 1.6 lakh limit.. 

Investor Guru Investor Guru
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You ll get the card bhai

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Finance Mentor Finance Mentor
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I did not get the IPL offer for neucard email. No communication/offer related to neu card. Have ordered nothing from neu ever.  @saucap

Check what you get, later can request to change preferred network by call/email I hope..   @asli_shashikant

These things happen when they reach their target of applications (past experience with SBI sprint). Try at different time of the day... What card option did you get based on 1.6L HDFC CC? @VimAl_Raj

Even if neu account blocked due to misuse, still good for rupay CC instant off and 100 cb etc offers every month I guess? Also, I completely ignore neu-crypto-coins stuff till date, mainly took for such rupay offers running...   @neel648

Wingman Wingman
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Ok. To change from visa to rupay any charges?
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Finance Ninja Finance Ninja
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Trying to get ltf offer from past 6 months but only getting FYF.
Finance Mentor Finance Mentor
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Did you check credit score each month through app? Also uninstalling seems to help, reinstall next month or even after some days...
Review Expert Review Expert
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Same issue..didnt get option to choose visa or rupay and application provisional approved. I hope they will issue rupay cc otherwise will call them to change into rupay.

Btw first time install app and got ltf..

Finance Mentor Finance Mentor
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Yes, seems to work like that, no email or offer etc received for me, never ordered anything from neu, just checked credit score, card offer then uninstalled for some months repeatedly...

Post Mogul Post Mogul
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I have millenia CC but my application got rejected.

Finance Mentor Finance Mentor
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Lots of other metrics and internal bank data also matters, especially the data point/snapshot at the time of CIBIL hit.

I'm too not sure of 100% approval, let's see...

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Deal Cadet Deal Cadet
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Eska kya solution hai ? I couldn't complete kyc .Now it's not letting to do kyc or cancel. How can I cancel this or apply again ?

Screenshot20230422-103311

Comrade Comrade
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"Chat with us"

Looks like physical verification triggered

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Finance Mentor Finance Mentor
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@I.am.Dev You might get calls/sms from HDFC for further instructions in coming days (it's a weekend, remember that too)...

Also, I think you're not existing HDFC customer/CC holder, so physical verification+KYC docs process might be done from HDFC (pathetic stories and results for that case).

Deal Newbie Deal Newbie
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I Got offer of LTF so I choose the Infinity Card of Tata neu (rupee) but when it delivered i got TATA NEU plus card 
I raised a complain on tata neu but no solution they advice me to contact the bank but when I contact the bank they said an infinity card required 1 LAKH per month's salary if that was a condition why was the card approved as infinity and delivered as plus showing infinity in tata neu app and showing plus in HDFC app. 
Mere ko to smj nhi aa rha hai.. hai kya ye... maine order kia just to experience upi on a Credit card which works fine, but the offer also attracted to 10% CB. 

Finance Mentor Finance Mentor
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That happens after bank's internal risk assessment considers latest data points and other factors, mostly happens with non-HDFC relationships... if you are not happy with what they gave you can close the card.

Spearhead Spearhead
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Hi applied and i got first yr joining fee free. Wat to do? Shall i apply? If i apply now is there any chance later to convert into LTF? any. Method to follow to make it LTF?

Finance Mentor Finance Mentor
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I suffered taking CIBIL hit and still getting paid or FYF many times before, I didn't give in till first offer and later pages showed full LTF, now you decide (LTF conversion hopes aren't that good IMO)...
Finance Mentor Finance Mentor
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* Exactly 24 hours after, in neu app - verification in process is Ticked, didn't receive digital card/sms/email from HDFC yet...

Crowdpuller Crowdpuller
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Existing HDFC Salary account holder+CC holder Got the card tdoay( within a week). The welcome kit says 499 neu coins as welcome benefit. However, while applying i saw at one step  499 and LTF. Will 499 be added in near future in my neu account or it is an adjustment.

Finance Mentor Finance Mentor
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No bonus for FYF/LTF cards, pay fee to get bonus policy... @Dealerbhai

Savings Mentor Savings Mentor
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@Agnivo007 Congrats you now have LTF HDFC Millennia, LTF Tata Neu, SBI Cashback also approved.

Finance Mentor Finance Mentor
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Thanks! You're the one who said I got the card finally issued even before checking this morning...

*Update: Digital card issued with 5k provisional limit.

IMG20230423080136

Finance Mentor Finance Mentor
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All those who are existing customers of HDFC and applied for the card ,did you guys filled your complete profile in TataNeu App like DOB etc , further is your HDFC mail id is same as your TataNeu Account email id ?

@Agnivo007 @saucap @VimAl_Raj @ vishaljainjio7 

Crusader Crusader
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No bro..

Everything is automatically fetched from the hdfc profile..

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Crowdpuller Crowdpuller
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Can somebody tell how to set PIN for this card? I am unable to set it..Calling IVR and entering last 4 digits but it says..wrong card..pls help

Generous Generous
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It's there in Neu app
Crusader Crusader
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My journey towards Tata neu infinity card..

Note: Im already a HDFC account and credit card holder..

The Tata neu app was always showing fyf for both the cards.

But I started receiving ltf sms and email from Tata neu starting from 1st April 2023.

So i went ahead and applied on 21 April..

After entering the PAN details and waiting for 90 second timer..both infinity and plus was shown as ltf..with shared limit of existing hdfc credit card..

Went ahead and applied for infinity and chose the rupay network..

Logged in to hdfc net banking for confirmation.. now status shown as Verification under process..

The same day at around 3pm.. digital card was issued and I could see the same in the app..

Waiting for card delivery now..

Finance Mentor Finance Mentor
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Any suggestions to make the first rupay upi transaction? Any cb offer? Also, working way to payy cc bill using rupay cc upi?

The PostMighty The PostMighty
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My journey -

Showing FYF from the past two months

Got a mail for LTF offer in March end

Still shows FYF in app

Finally gave in and checked with Pan 2 days ago

Only Plus Variant is approved and LTF.

Plus variant is useless it may only come in handy for rupay offers otherwise trash as I already have FK axis and one card.

What should I do? I need the infinity variant one.

Finance Mentor Finance Mentor
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Physical card received 2 days ago...

Deal Cadet Deal Cadet
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Were you able to set PIN before physical card delivery?
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Commentator Commentator
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Got my card last week but the card doesn’t show in HDFC account. Neither has the card limit increased Any idea how much time does this take?
Deal Cadet Deal Cadet
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You can add it yourself. There's an option in net banking : "Register a card"
Comrade Comrade
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How to know if this card is ltf or not , is anything specific written on documents with card?

Savings Mentor Savings Mentor
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Those who got Infinity LTF - what's your credit limit, if you don't mind sharing?

Finance Mentor Finance Mentor
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Existing HDFC CC holder, so got shared limit with existing card. However, read somewhere that the yardstick is 1 or 1.5L current CL for an infinity...

Deal Subedar Deal Subedar
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I had two HDFC CCs. Both were Business Regalia. Both are 12-14 years old cards. both of them were some other variant (different than each other) but later converted to Business Regalia through different auto (or optional) upgrade route. Both are LTF.


Business Regalia #1 Limit 4,90,000
Business Regalia #2 Limit 3,27,000

I applied this Tata Neu LTF platinum Rupay card and at the time of applying, it was showing that it will have a limit of 4,90,000 (shared with Business Regalia #1, I guess).

I got the card, it had a limit of Rs.5000 for few days ex expected.

Yesterday, I checked, limit of all 3 cards is Rs.3,27,000 now.

I called HDFC CC and executive be that Rs.3,27,000 limit is now shared by all my 3 cards 😡.

I don't need high limits but it feels bad.

So what are my options now?

Deal Subedar Deal Subedar
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Anyone has email id of HDFC nodal officer / ombudsman? Want to send them a mail.


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Finance Mentor Finance Mentor
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I have been using the card both at POS terminal and UPI scan to pay at merchants. However, after settlement, offline and online payments get correct reward points, but not for "UPI-xxxxxx" transactions. Do we get RP from HDFC later? @abhishek012

Finance Ninja Finance Ninja
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UPI-xxxxxx ?

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Finance Mentor Finance Mentor
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@image, that is sad, but maybe they overlooked their error (you shouldn't have got separate CL at first as believed by the bank now), so on addition of 3rd card, they merged all to a single shared limit...

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