Got Regalia Gold, DCB as preapproved

[Alex292929]

Finally after waiting for 6 months I got these pre approved offers, with 5L credit limit.

Is there any way I can get DCB/Regalia LTF?

 

[dineshweb]

Yep, I have been doing this only, from pre approved money back with 50k limit 2 months back to 5L today . This is HDFC Bank.
But I doubt if they will offer LTF

Regalia Gold LTF is possible, but for DCB you have to be in an alumni program. Is you pre-approved Regalia Gold FYF or paid ?

 

[Alex292929]

Regalia Gold LTF is possible, but for DCB you have to be in an alumni program. Is you pre-approved Regalia Gold FYF or paid ?

It’s Paid

 

[Alex292929]

If you choose Regalia Gold you'll get 3L as initial limit,but if you choose DCB then the limit will be 5L. I was also getting the same message of 5L limit but it's for DCB and not Regalia.

Which one you applied for?

 

[dineshweb]

It’s Paid

Then wait for it to change to FYF, then may be contact your RM and ask whether he can provide LTF

 

[dineshweb]

Which one you applied for?

I applied for Regalia Gold, DCB wasn't showing me before mine pre-approved was Regalia Gold FYF I call my RM and asked whether he can provide LTF , surprisingly he agreed and proceed from his end, once processed I got mail from HDFC saying card is approved with LTF.

I initially asked my RM for DCB but he said the income must be Strictly 1.7L+, Once I got the card after 2 weeks I got a mail saying DCB is pre-approved with 5L limit FYF.

 

[Riva]

I applied for Regalia Gold, DCB wasn't showing me before mine pre-approved was Regalia Gold FYF I call my RM and asked whether he can provide LTF , surprisingly he agreed and proceed from his end, once processed I got mail from HDFC saying card is approved with LTF.

I initially asked my RM for DCB but he said the income must be Strictly 1.7L+, Once I got the card after 2 weeks I got a mail saying DCB is pre-approved with 5L limit FYF.

Wht did you do to get the RM to get the Regalia Gold LTF? Is it a salary account?
I had a Regalia LTF which was downgraded to Regalia First LTF due to non usage for 6 months and now my RM is saying that I can get Regalia Gold as a spend based waiver, which I don't want. Not ready to upgrade to my original Regalia LTF as he says Regalia is discontinued. Account is preferred with HDFC with relationship for more than 6 years.

 

[Alex292929]

I applied for Regalia Gold, DCB wasn't showing me before mine pre-approved was Regalia Gold FYF I call my RM and asked whether he can provide LTF , surprisingly he agreed and proceed from his end, once processed I got mail from HDFC saying card is approved with LTF.

I initially asked my RM for DCB but he said the income must be Strictly 1.7L+, Once I got the card after 2 weeks I got a mail saying DCB is pre-approved with 5L limit FYF.

Will ask my RM if she can get me a LTF Reg gold.
By the way are you sure about the CL? I will get 3L if I apply reg?

 

[dineshweb]

Will ask my RM if she can get me a LTF Reg gold.
By the way are you sure about the CL? I will get 3L if I apply reg?

Yes, I checked the pre-approved application it said 3L for Regalia Gold , 3L for Tata Neu Infinity and 5L for DCB.

 

[dineshweb]

Wht did you do to get the RM to get the Regalia Gold LTF? Is it a salary account?
I had a Regalia LTF which was downgraded to Regalia First LTF due to non usage for 6 months and now my RM is saying that I can get Regalia Gold as a spend based waiver, which I don't want. Not ready to upgrade to my original Regalia LTF as he says Regalia is discontinued. Account is preferred with HDFC with relationship for more than 6 years.

It is a Salary Account for almost 4years and I'm also a Preferred Customer. I asked him to check any offer else make it as LTF there were three pre-approved cards for me Regalia GOLD FYF,Tata Neu Infinity FYF, Indigo LTF. He said I can make any of those pre-approved cards as LTF but it has to be applied from his end. So I asked him to Proceed with Regalia

 

[Alex292929]

Yes, I checked the pre-approved application it said 3L for Regalia Gold , 3L for Tata Neu Infinity and 5L for DCB.

Where and how can I check it?

 

[dineshweb]

Where and how can I check it?

Last time when I checked It showed the limit just above annual fee/renewal fee. When I try now the second section is Confirm details screen instead of choose card since that will hit a CIBIL I didn't proceed.

Just ask your RM, she would have the details.

 

[varun__goel_]

AFAIK, if limit is showing 5L, you will get it, irrespective of the card you choose. Why would limit vary upon card variant🙂

 

[Riva]

It is a Salary Account for almost 4years and I'm also a Preferred Customer. I asked him to check any offer else make it as LTF there were three pre-approved cards for me Regalia GOLD FYF,Tata Neu Infinity FYF, Indigo LTF. He said I can make any of those pre-approved cards as LTF but it has to be applied from his end. So I asked him to Proceed with Regalia

Thanks. Ok, mine is not a salary account and I also have the Neu infinity LTF so maybe that's why they don't want to give me another one LTF.

 

[Alex292929]

AFAIK, if limit is showing 5L, you will get it, irrespective of the card you choose. Why would limit vary upon card variant🙂

we gotta be careful ❗️ while dealing hdfc bank

 

[dineshweb]

Thanks. Ok, mine is not a salary account and I also have the Neu infinity LTF so maybe that's why they don't want to give me another one LTF.

If Neu Infinity is your first card then getting Core card itself will be difficult, many people in the forum also have experienced it. Getting a core card is difficult if your first card is a co-branded card.

 

[Riva]

If Neu Infinity is your first card then getting Core card itself will be difficult, many people in the forum also have experienced it. Getting a core card is difficult if your first card is a co-branded card.

No, my first core card was Regalia which was LTF. I had that card for about 3-4 years before it got downgraded to Regalia First. Neu Infinity I got now in April as LTF.
I has emailed customer care too, they also said spend based waiver for Regalia Gold. This was when Gold was just launched so I guess they wouldn't want to issue it LTF.

 

[Walter White]

If you want Regalia Gold, simply get it LTF using C2C.

 

[scoryze]

If you want Regalia Gold, simply get it LTF using C2C.

What's the limit needed? I have Flipkart Axis with 3L. Will that be enough?