Hdfc card upgrade related

[vamsikrishna1997]

Hi everyone. I'm having an LTF paytm hdfc credit card which I'm being using since 3 years. I'm also having another tata neu plus credit card and using it since 2+ years.

As they both are co-branded cards and not eligible for instant discounts I have raised a request to upgrade my LTF paytm credit card to a core credit card. First the customer care team rejected it and I again sent mail to grievance redressal team.

This time they responded positively and agreed to upgrade it moneyback plus card but only as FYF.

I'm mostly using my tata neu card as it supports upi spends and also I'm having regular purchases in tata neu app and I was able to achieve the 1 lac spends per year and I'm getting the annual fee waived off for it.

Now my question is: 1) Should I go for the FYF moneyback plus credit card upgrade even though it gets charged after 1st year. Because I'll lose my LTF paytm card but can I again ask them to make this money back card also to LTF? If is asking there is any possibility for that?

2) If they won't agree for LTF money back card and I took it as FYF for now. Later will there be any possibility that I can convert my tata neu card as LTF by requesting them again after few months as I'm already spending more than 1 lac which is the annual spends limit for few waiver for this year too,which makes 2 years.

If there is any tips and tricks to do that please let me know.

TIA.

 

[pankaj_ji]

Where to email requesting for card upgrade?

 

[vamsikrishna1997]

Converting the Paytm HDFC to a core card should be your priority IMO. They don't convert the Tata Neu cards to LTF that easily. I have been trying to convert my Tata Neu Infinity to LTF since long (have 4L+ annual spend on it). Still, they keep denying me for LTF conversion.

I've tried to convert my Paytm HDFC card to Lifetime core credit card but they rejected and asked me try again after 6 months.

In the meantime I got a hdfc biz rupay card which doesn't have great benefits but still a ltf card and also works as a core card.

A week ago I just mailed the team and requested for conversion of my Tata neu plus card to Lifetime free card and in 4 days they agreed and converted to a ltf card which i didn't expect. Ofcourse I also had met annual spends criteria for 2 years.

Now I'd like to know if I can now ask to convert my HDFC Paytm card to a core card?

There aren't much spends on that card as I use tata neu plus more and also I just wanted to have a better core credit card even the rupay biz acts a core card.