HDFC Millennia Card – Should I Close My Existing Biz Grow Cards to Get a Pre-Approved Offer?
I’ve been banking with HDFC for a couple of years.
When I opened my HDFC savings account, I had selected Self-Employed as my profession. After around 6 months, I received pre-approved offers for the HDFC Biz Grow and Biz RuPay UPI cards, which I currently have.
Recently, during re-KYC , I updated my profession from Self-Employed to Salaried.
A couple of days ago, I also opened an HDFC Salary Account, while keeping my existing savings account active. My salary is in the ₹25–30K range.”
I’m interested in getting the HDFC Millennia Credit Card, preferably through a pre-approved offer, but I currently don't qualify through the normal application route.
My question is:
Should I close my existing Biz Grow and Biz RuPay cards?
My concern is that since both are business cards that were issued when my profile was marked as self-employed, HDFC's internal system might continue treating me as a business-card customer and therefore not generate a pre-approved offer/upgrade to Millennia.
Or would it be better to keep the existing cards open, receive my salary in HDFC for a few months, and wait for the system to generate a pre-approved Millennia offer?
If anyone has been in a similar situation, I'd really appreciate your advice on:
- Whether closing the Biz cards can improve the chances of getting Millennia
- How long I should wait after starting salary credits
- Whether HDFC offers Millennia as an upgrade from Biz cards
- Whether having a salary account changes the internal eligibility
- What would be the best strategy to maximize my chances of getting Millennia as a pre-approved/LTF card
Any advice from people who have experience with HDFC's internal card upgrade/pre-approved system would be really helpful.