Get HDFC Tata Neu Plus card now and upgrade later to Infinity, or wait for limit increase"

[prathamemesh]

I have an offer for lifetime free Tata Neu Plus credit card with a ₹1 lakh limit. Should I wait for Infinity offer or get the Neu Plus now and later upgrade to Infinity? And whether such an upgrade is possible with LTF benefits?

 

[Akashn]

Upgrade is possible via supporting documents (Salary slip/ITR).
otherwise you have to wait till your credit limit becomes 1.5L which is base limit for infinity upgrade.

 

[prathamemesh]

Upgrade is possible via supporting documents (Salary slip/ITR).
otherwise you have to wait till your credit limit becomes 1.5L which is base limit for infinity upgrade.

If my limit is enhanced in the near future to 1.5L, is it possible to get a LTF variant of the Infinity card as an upgrade? Or will the upgraded card have a fee? (Considering Plus is LTF)

 

[Akashn]

If my limit is enhanced in the near future to 1.5L, is it possible to get a LTF variant of the Infinity card as an upgrade? Or will the upgraded card have a fee? (Considering Plus is LTF)

Yes. No worries

 

[binno]

If my limit is enhanced in the near future to 1.5L, is it possible to get a LTF variant of the Infinity card as an upgrade? Or will the upgraded card have a fee? (Considering Plus is LTF)

nothing can be said for future .. but its 10x times better to get neu plus ltf instead of waiting for infinity ltf

 

[AlphaCAT]

I had Plus card with 77,000 limit . Got the card 5 months back , emailed them for Limit Enhancement manually using Salary slips (98k monthly) . They enhanced my limit from 77k to 180k the next day . In the same mail thread , I then asked for upgrade to Infinity . Though my earlier Plus card was FYF , they provided me with Infinity LTF .

If my limit is enhanced in the near future to 1.5L, is it possible to get a LTF variant of the Infinity card as an upgrade? Or will the upgraded card have a fee? (Considering Plus is LTF)

 

[brightknight]

I had Plus card with 77,000 limit . Got the card 5 months back , emailed them for Limit Enhancement manually using Salary slips (98k monthly) . They enhanced my limit from 77k to 180k the next day . In the same mail thread , I then asked for upgrade to Infinity . Though my earlier Plus card was FYF , they provided me with Infinity LTF .View attachment 27365

Did they perform cibil check again for LE?

 

[Card_Crafter]

I had Plus card with 77,000 limit . Got the card 5 months back , emailed them for Limit Enhancement manually using Salary slips (98k monthly) . They enhanced my limit from 77k to 180k the next day . In the same mail thread , I then asked for upgrade to Infinity . Though my earlier Plus card was FYF , they provided me with Infinity LTF .View attachment 27365

What was your usage?

 

[AlphaCAT]

What was your usage?

Monthly Rs 5000 installments for Tanishq Gold Harvest Scheme . Bought one MacBook Air from Croma and few LIC Installments of around 10k. This wasn't my primary card so very less no of txn.

 

[pprakash11]

Did they perform cibil check again for LE?

@AlphaCAT

 

[AlphaCAT]

Did they perform cibil check again for LE?

No CIBIL check for me but I have heard few cases where they have done it . But provided LE was too low . The total limit is less than 2x of my monthly salary .

 

[AlphaCAT]

No CIBIL check for me but I have heard few cases where they have done it . But provided LE was too low . The total limit is less than 2x of my monthly salary .

Also FYI I don't have any prior relationship with HDFC .

 

[binno]

What was your usage?

usage generally dont matter ..when done manually .. just income proof matters .. they generally do about 2.5x to 3x of the income

 

[niranjan0]

I had Plus card with 77,000 limit . Got the card 5 months back , emailed them for Limit Enhancement manually using Salary slips (98k monthly) . They enhanced my limit from 77k to 180k the next day . In the same mail thread , I then asked for upgrade to Infinity . Though my earlier Plus card was FYF , they provided me with Infinity LTF .View attachment 27365

can you share the email, where you sent the request.

 

[pprakash11]

can you share the email, where you sent the request.

send it to
Grievance.Redressalcc@hdfcbank.com

 

[AlphaCAT]

can you share the email, where you sent the request.

send it to
Grievance.Redressalcc@hdfcbank.com

Also put customerservices.cards@hdfcbank.com in CC.

 

[pprakash11]

Also put customerservices.cards@hdfcbank.com in CC.

I request you to not put customerservices.cards@hdfcbank.com
In CC

as then the request will be routed to L1 Officers who are as lazy as panda 😭

 

[AlphaCAT]

I request you to not put customerservices.cards@hdfcbank.com
In CC

as then the request will be routed to L1 Officers who are as lazy as panda 😭

it's just CC . Request will be handled by Grievance redressal team only. Got mine LE and upgrade the same way !! I also tagged Priority Redressal team .

 

[pprakash11]

it's just CC . Request will be handled by Grievance redressal team only. Got mine LE and upgrade the same way !! I also tagged Priority Redressal team .

Yeah priority Redressal is okay .

 

[JhonWixx]

I'm getting Neu plus card FYF, can I convert it to LTF in future as I also have millennia LTF with 40k limit and neu plus card is in sharing limit with it? Or I should wait for the LE.