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have you got the answer to your question? I have the same doubt

thanks vaibhav ! threads you have mentioned were really helpful.

Hi Technofiners, I have my salary account in HDFC bank. I got my first credit card HDFC moneyback plus in March 2022, with limit of 51k, as that time I was earning 26k per month, so the limit was justified. But now its been more than 1 year, but I have neither received card upgrade offer nor...