Dinner Club Privilege Upgrade Chances

[amitr29]

I am getting Dinner Club Privilege from HDFC, not so sure if I should accept the offer, as would have preferred Regalia Gold.

Any experience on upgrading DCP in future? I have good spends on my card.

Also getting option for Biz Grow card, as it's a new card not very sure of future upgrade.

 

[helloworld]

I have good spends on my card

this always gives you better results in any bank.

Go for DCP, if you want HDFC core cards and upgrade in future. No issues.

 

[tn_72]

I am getting Dinner Club Privilege from HDFC, not so sure if I should accept the offer, as would have preferred Regalia Gold.

Any experience on upgrading DCP in future? I have good spends on my card.

Also getting option for Biz Grow card, as it's a new card not very sure of future upgrade.

Are you salaried or self employed? Just asking because from previous posts from forum members it is apparent that HDFC issues business credit cards only to self employed and if you are self employed then getting a personal credit pre approved is difficult.

 

[amitr29]

Are you salaried or self employed? Just asking because from previous posts from forum members it is apparent that HDFC issues business credit cards only to self employed and if you are self employed then getting a personal credit pre approved is difficult.

I am Self Employed but surprisingly DCP is offered to both Salaried and Self employed

 

[tn_72]

I am Self Employed but surprisingly DCP is offered to both Salaried and Self employed

Hello @amitr29 thanks for the info. If you don't mind, can you plesse answer these questions. How long are you having an account with HDFC? How much average balance do you maintain in your savings account last 6 months? And in the net banking profile did you change your employment status to salaried?

The reason I am asking these questions is I changed my net banking profile from self employed to salaried last June to get personal credit card preapproved offer. But still I am offered either Biz grow or Biz power last few months, albeit with a decent credit limit. So was curious to know if you are long time HDFC account holder and if i need to wait much longer for DCP 🙂

 

[amitr29]

Hello @amitr29 thanks for the info. If you don't mind, can you plesse answer these questions. How long are you having an account with HDFC? How much average balance do you maintain in your savings account last 6 months? And in the net banking profile did you change your employment status to salaried?

The reason I am asking these questions is I changed my net banking profile from self employed to salaried last June to get personal credit card preapproved offer. But still I am offered either Biz grow or Biz power last few months, albeit with a decent credit limit. So was curious to know if you are long time HDFC account holder and if i need to wait much longer for DCP 🙂

Have account since October, 2023 and have maintained 2 lacs AQB. Profile is mentioned as Salaried, but somehow I am offered Biz Groww and Moneyback Business also.

I applied for Regalia gold 6 months back and got Moneyback Business. Cancelled immediately. Maybe they already have in their records that I am a businessman

 

[tn_72]

Have account since October, 2023 and have maintained 2 lacs AQB. Profile is mentioned as Salaried, but somehow I am offered Biz Groww and Moneyback Business also.

I applied for Regalia gold 6 months back and got Moneyback Business. Cancelled immediately. Maybe they already have in their records that I am a businessman

Thanks for the info bro. IMO if you want Regalia Gold, best bet is to get it as pre approved offer. Many of my friends who applied through C2C got Moneyback. From what I have read in this forum, most often upgrade takes time with HDFC. In my little experience with HDFC, the more you skip offers, the offers gets better in terms of CL, LTF and card variant, provided AQB and spending pattern in debit card remains the same. Please update here if you get pre approved Regalia gold.

 

[amitr29]

Thanks for the info bro. IMO if you want Regalia Gold, best bet is to get it as pre approved offer. Many of my friends who applied through C2C got Moneyback. From what I have read in this forum, most often upgrade takes time with HDFC. In my little experience with HDFC, the more you skip offers, the offers gets better in terms of CL, LTF and card variant, provided AQB and spending pattern in debit card remains the same. Please update here if you get pre approved Regalia gold.

Thanks Bro! Will avoid taking a lower card