Regalia Gold HDFC c2c regalia gold - few questions

[karanbir]

I applied very recently using c2c, applied for regalia gold. Previous card is ICICI rubyx with 8.8 lac limit with me since 2015. Limit increased over the period gradually. Cibil score 794. Submitted salary slips (annual 25 lac+). Submitted ICICI credit card statements too.

I have few question:-

- What limit will I get?
- Do they always ditch by offering something other than regalia gold(something other than what I applied for)? - I applied via local branch.
- I got message yesterday after a long delay - Your HDFC Bank Credit Card Application No.23XXXXXXXXXXXXXX is approved in principle subject to Internal Checks. We will update you soon. - What next? physical verification?

 

[karanbir]

 

[SarPanch]

Did not knew that such topic existed ever. I recently applied for Regalia Gold basis Card 2 Card, though I have a preferred account with HDFC and had two CC from HDFC which I closed already.
But I have been told that my eligibility conditions aren't met and I can opt for Millenia.

My question that needs guidance are
1. I do not want any alterative card than the one I want i.e. Regalia GOLD.

Though I have sent my documents for reconsideration to Chennai but If I do not agree to this alternative will they provide me a valid reason of declining the card ? if not can that be Routed through RBI Obs ?

 

[karanbir]

Did not knew that such topic existed ever. I recently applied for Regalia Gold basis Card 2 Card, though I have a preferred account with HDFC and had two CC from HDFC which I closed already.
But I have been told that my eligibility conditions aren't met and I can opt for Millenia.

My question that needs guidance are
1. I do not want any alterative card than the one I want i.e. Regalia GOLD.

Though I have sent my documents for reconsideration to Chennai but If I do not agree to this alternative will they provide me a valid reason of declining the card ? if not can that be Routed through RBI Obs ?

RBI won’t do anything I believe

I raised one just yesterday

 

[Deveshm18]

RBI won't do anything. Samething happened with me, branch told I'll get Regalia Gold C2C as I was applying with icici card with 5L+ limit. Millenia with 75K limit was offered, after almost a month of back and forth rbi closed complaint stating bank policies. HDFC did another cibil hit on my request and accepted to raise the limit to 1.5L instead of 75K so I accepted it.

 

[chaitanyamella]

now question is If I port over my salary account to HDFC? will they reconsider me offering me a better card? any chance? and what about cool off period?
cc @TechnoFino

Not immediately. You can port the salary account, take the card, and use it extensively, hoping for an LE and card upgrade offer. Or decline the card and get it cancelled and apply again after 6 months.

 

[SarPanch]

RBI won’t do anything I believe

I raised one just yesterday

My regalia Gold c2c approved now ltf

 

[karanbir]

My regalia Gold c2c approved now ltf

Kya baat hai, kaise?

 

[srichaitanya]

Did not knew that such topic existed ever. I recently applied for Regalia Gold basis Card 2 Card, though I have a preferred account with HDFC and had two CC from HDFC which I closed already.
But I have been told that my eligibility conditions aren't met and I can opt for Millenia.

My question that needs guidance are
1. I do not want any alterative card than the one I want i.e. Regalia GOLD.

Though I have sent my documents for reconsideration to Chennai but If I do not agree to this alternative will they provide me a valid reason of declining the card ? if not can that be Routed through RBI Obs ?

They approved regalia gold LTF by sending documents to Chennai?

 

[SarPanch]

Kya baat hai, kaise?

I sent the reconsideration application to their Chennai Office.

 

[SarPanch]

They approved regalia gold LTF by sending documents to Chennai?

Yes. Basically reconsidering the same old application and by justifying them with enough docs that I deserve Regalia Gold and not those xyz cc which was being offered as alternative.

 

[Card_Maddy]

My regalia Gold c2c approved now ltf

Hi can u tell me how you got LTF Regalia gold pls like in brief please.

 

[SarPanch]

Hi can u tell me how you got LTF Regalia gold pls like in brief please.

Sure.
I initially had HDFC IOCL and Tata Neu Basic CC.
I was neither getting an upgrade to any core card, nor I was able to get any limit enhancements despite of having the income criteria met.
out of frustration I closed both the cards on July, 17th and on 1st August again applied for a Regalia Gold card C2C.
4th Aug - Application Decline, asking that I dont meet the criteria but I can take any basic card.
5th Aug to 13th Aug - kept researching and sending emails to customer care with all necessary docs and questions on why they declined, all were waste,
14th Aug,23 - i sent my docs offline to chennai and told them I need this card only, else thank you but no alternative req.
22nd Aug,23 - Email received, Application Declined.
23rd Aug,23 - Morning SMS application approved.
26th Aug,23 - confirmed that its Regalia Gold LTF
In short, I had the eligiblity to take the card, dont know why they declined at the very first go, I was adament on card and stated if not the card then HDFC bank must answer the criteria for the card to RBI as I will report this reason to them.
But all worked smoothly, the offline team worked and helped whereas till today email responses have come that the application is been declined. lol

 

[Card_Maddy]

Sure.
I initially had HDFC IOCL and Tata Neu Basic CC.
I was neither getting an upgrade to any core card, nor I was able to get any limit enhancements despite of having the income criteria met.
out of frustration I closed both the cards on July, 17th and on 1st August again applied for a Regalia Gold card C2C.
4th Aug - Application Decline, asking that I dont meet the criteria but I can take any basic card.
5th Aug to 13th Aug - kept researching and sending emails to customer care with all necessary docs and questions on why they declined, all were waste,
14th Aug,23 - i sent my docs offline to chennai and told them I need this card only, else thank you but no alternative req.
22nd Aug,23 - Email received, Application Declined.
23rd Aug,23 - Morning SMS application approved.
26th Aug,23 - confirmed that its Regalia Gold LTF
In short, I had the eligiblity to take the card, dont know why they declined at the very first go, I was adament on card and stated if not the card then HDFC bank must answer the criteria for the card to RBI as I will report this reason to them.
But all worked smoothly, the offline team worked and helped whereas till today email responses have come that the application is been declined. lol

True the online team is fooling only the offline people make it done.

 

[aam.aadmi]

Has anyone managed to obtain a Regalia Gold VISA or RuPay CC? HDFC CS says only MC variant is available. Please post a photo with the number/name blurred if you have it.

 

[karanbir]

What is the cool off for the credit card application?
It is 3 months from date of previous application? or date of approval?

 

[SahilKr24]

Has anyone managed to obtain a Regalia Gold VISA or RuPay CC? HDFC CS says only MC variant is available. Please post a photo with the number/name blurred if you have it.

Found it here

 

[lakshmiprasads18]

This is true only if you have prior relationship with bank....

without it, there are many who get Moneyback for C2C with 8L limits too 😛

Can you guide how to get 8L limit new HDFC credit card. Even I'm in the same boat

 

[lakshmiprasads18]

c2c with hdfc is a hit and miss, people have got Millenia when they had applied for regalia :| (including me)

What about the limit? Is it same with your old card

 

[Himanshuch]

My regalia Gold c2c approved now ltf

Mine got declined for no reason. I had applied via c2c method and met all conditions told by the agent. Any way I can get this reopened and then approved ?

 

[Himanshuch]

Hi, i had also applied for regalia gold via c2c method via an agent. I met all conditions but got an email and call saying I am not eligible for regalia gold but can take any lower category card. I refused. My agent then informed me that he has reopened this application by uploading salary slips. Do you think this will work or i need to send documents to Chennai after few weeks ?

TIA.

Sure.
I initially had HDFC IOCL and Tata Neu Basic CC.
I was neither getting an upgrade to any core card, nor I was able to get any limit enhancements despite of having the income criteria met.
out of frustration I closed both the cards on July, 17th and on 1st August again applied for a Regalia Gold card C2C.
4th Aug - Application Decline, asking that I dont meet the criteria but I can take any basic card.
5th Aug to 13th Aug - kept researching and sending emails to customer care with all necessary docs and questions on why they declined, all were waste,
14th Aug,23 - i sent my docs offline to chennai and told them I need this card only, else thank you but no alternative req.
22nd Aug,23 - Email received, Application Declined.
23rd Aug,23 - Morning SMS application approved.
26th Aug,23 - confirmed that its Regalia Gold LTF
In short, I had the eligiblity to take the card, dont know why they declined at the very first go, I was adament on card and stated if not the card then HDFC bank must answer the criteria for the card to RBI as I will report this reason to them.
But all worked smoothly, the offline team worked and helped whereas till today email responses have come that the application is been declined. lol