HDFC 2 Core cards conundrum.

[ak95]

I am one of those people who have 2 HDFC Core Cards. (Regalia First + DCB).

I got HDFC Diners Rewardz with a 100k limit in September 2017 and thought Diners was a useless card, so I again applied for another HDFC card in October 2018 and somehow got LTF Regalia First with a 90k limit.
Eventually, in the last 5 years, my Diners Rewardz got upgraded to LTF Millennia -> LTF DCP -> LTF Diners Black (with a crazy LE each time).
But my Regalia First is still the same without even a single LE in the last 4 years.

I have tried everything: Salary Slips/ITR/C2C, even escalated to priority redressal. Each time I get the same reply that as per my income docs, I am not eligible even for a paid card upgrade. It baffles me that on one hand I am eligible for DCB but on the other hand I can't get even Regalia First to regalia/Millennia upgrade.

Now I month ago, I got Tata Neu card but it is sharing Credit Limit with Regalia First (90K) and HDFC folks are not ready to give me a limit based on my DCB.

Any suggestions on what can be done?

 

[reo_sam]

Why do you want to have Regalia First or Neu cards, when you have DCB LTF?

 

[krishc]

I am one of those people who have 2 HDFC Core Cards. (Regalia First + DCB).

I got HDFC Diners Rewardz with a 100k limit in September 2017 and thought Diners was a useless card, so I again applied for another HDFC card in October 2018 and somehow got LTF Regalia First with a 90k limit.
Eventually, in the last 5 years, my Diners Rewardz got upgraded to LTF Millennia -> LTF DCP -> LTF Diners Black (with a crazy LE each time).
But my Regalia First is still the same without even a single LE in the last 4 years.

I have tried everything: Salary Slips/ITR/C2C, even escalated to priority redressal. Each time I get the same reply that as per my income docs, I am not eligible even for a paid card upgrade. It baffles me that on one hand I am eligible for DCB but on the other hand I can't get even Regalia First to regalia/Millennia upgrade.

Now I month ago, I got Tata Neu card but it is sharing Credit Limit with Regalia First (90K) and HDFC folks are not ready to give me a limit based on my DCB.

Any suggestions on what can be done?

I'll suggest close the regalia first
you don't need regalias when you have DCB
then ask them to match tata neu limit with your only remaining card DCB

 

[bugmenot]

Same here for Regalia First credit card. I have not got any LE for the last 6 years but I asked for card upgrade and it was upgraded to LTF Millennia with same limit. Since it is my oldest card so can't even close it.

I also have same situation but after card upgrade to LTF millennia, regalia first is not closed. I also have priority pass of it.

 

[ak95]

Why do you want to have Regalia First or Neu cards, when you have DCB LTF?

I'll suggest close the regalia first
you don't need regalias when you have DCB
then ask them to match tata neu limit with your only remaining card DCB

I was hoping that my Regalia First will someday get upgraded to Infinia, that's the only reason I still hold this card, but apparently, it is not going to happen.

I normally postpone all my big purchases to (Amazon/Flipkart)SALE periods. But during these periods, discounts are normally capped.
That's why I hold 2x HDFC, 2x ICICI, and 2x Axis cards. For everyday transactions, I normally use my DCB only.

Applied for Tata Neu because I was getting LTF and I use Tata 1mg & Bigbasket quite frequently,

 

[reo_sam]

I was hoping that my Regalia First will someday get upgraded to Infinia, that's the only reason I still hold this card, but apparently, it is not going to happen.

I normally postpone all my big purchases to (Amazon/Flipkart)SALE periods. But during these periods, discounts are normally capped.
That's why I hold 2x HDFC, 2x ICICI, and 2x Axis cards. For everyday transactions, I normally use my DCB only.

Applied for Tata Neu because I was getting LTF and I use Tata 1mg & Bigbasket quite frequently,

You can get Infinia (paid) from DCB also, if you feel. No need to have Regalia *.

What is Tata Neu going to give as extra benefit? I mean where would you use that and not DCB?

 

[ak95]

I'll suggest close the regalia first
you don't need regalias when you have DCB
then ask them to match tata neu limit with your only remaining card DCB

Again contacted HDFC customer care today to update my Tata Neu Credit Limit. I have no idea what they did BUT now my Tata Neu Card's credit limit is even higher than DCB's CL. 🥴🥴

I confirmed with him twice if the 3 cards' limits are shared or individual. He told me that all 3 CLs are separate.

😅😅They are still not ready to enhance my Regalia First's CL. Will place card closure request tomorrow.