HDFC card upgrade

[krish170794]

I am using hdfc millenia diners past one year with 2.60L limit, no limit enhancement until now. Now i received an upgrade offer to diners privilege. I like to upgrade to DCB. if i took the offer now will it hamper my chances for limit enhancement ie after upgrade only 6 months after i am eligible for LE. I know privilege is a next step towards DCB. Guys need suggestions and info regarding that

 

[NikTravelEnthusiast]

I am using hdfc millenia diners past one year with 2.60L limit, no limit enhancement until now. Now i received an upgrade offer to diners privilege. I like to upgrade to DCB. if i took the offer now will it hamper my chances for limit enhancement ie after upgrade only 6 months after i am eligible for LE. I know privilege is a next step towards DCB. Guys need suggestions and info regarding that

For me, I got card upgrade offer first. Then after a month or two I got limit enhancement offer. It entirely depends on your luck or HDFC mood.

 

[krish170794]

For me, I got card upgrade offer first. Then after a month or two I got limit enhancement offer. It entirely depends on your luck or HDFC mood.

After accepting the upgrade ?

 

[jmstr09]

I am using hdfc millenia diners past one year with 2.60L limit, no limit enhancement until now. Now i received an upgrade offer to diners privilege. I like to upgrade to DCB. if i took the offer now will it hamper my chances for limit enhancement ie after upgrade only 6 months after i am eligible for LE. I know privilege is a next step towards DCB. Guys need suggestions and info regarding that

To get DCB you need minimum 5 Lakhs credit limit

So I would suggest getting the limit enhanced
You can opt for diners privilege but that may not affect the credit limit enhancement options provided by HDFC bank

 

[Deathsnatcher]

I am using hdfc millenia diners past one year with 2.60L limit, no limit enhancement until now. Now i received an upgrade offer to diners privilege. I like to upgrade to DCB. if i took the offer now will it hamper my chances for limit enhancement ie after upgrade only 6 months after i am eligible for LE. I know privilege is a next step towards DCB. Guys need suggestions and info regarding that

Few things to keep in mind
1. DCB will never will LTF unless you are in alumuni programme
2. If upgrade give you LTF DCP you should consider it only then
3. You need to choose what you are into airport lounges, rewards point etc

I am quoting something which will help you to consider
Hope it will help you !

What is the order/ranking of HDFC Bank credit cards?​

Leaving out the basic entry-level credit cards like Moneyback+ or Freedom, below is the way the different HDFC Bank credit cards rank in terms of rewards and benefits.

Millennia --> Regalia --> Diners Club Privilege --> Regalia Gold --> Diners Club Black --> Infinia

Now that we know this, you don't always need to upgrade if you have got the next variant available to you. You need to evaluate your spends and preferred redemptions before going for it.

---

What should I choose between Millennia and Regalia?​

• Millennia if you want cashback. Regalia gets reward points that have a low value when redeemed for cashback. Millennia gets cashpoints which are redeemable at 1:1 for statement credit.
• Regalia if you want to use the reward points for travel or airmiles.

---

What should I choose between Diners Club Privilege and Regalia?​

• Diners Club Privilege if you want access to a higher number of airport lounges
• Regalia if you want better acceptance at offline and online stores
• Do not upgrade from LTF Privilege to paid Regalia
• Do not upgrade from LTF Regalia to paid Privilege
  
  @credits goes to cardmaven

 

[sreddy]

Few things to keep in mind
1. DCB will never will LTF unless you are in alumuni programme
2. If upgrade give you LTF DCP you should consider it only then
3. You need to choose what you are into airport lounges, rewards point etc

I am quoting something which will help you to consider
Hope it will help you !

I was having DCB LTF and was upgraded to Infinia LTF, and same with spouse card also. We have imperia and not part of alumni, it all depends on negotiation and relationship with the bank.
Cousin have DCB LTF, again not part of alumni, though they are offering Metal FYF, we are pushing for Infinia Metal LTF

 

[Deathsnatcher]

I was having DCB LTF and was upgraded to Infinia LTF, and same with spouse card also. We have imperia and not part of alumni, it all depends on negotiation and relationship with the bank.
Cousin have DCB LTF, again not part of alumni, though they are offering Metal FYF, we are pushing for Infinia Metal LTF

Thanks for the informations
called My Rm told him to upgrade to imperia banking
will ask for infinia LTF or close my all cards 🤣

 

[NikTravelEnthusiast]

After accepting the upgrade ?

Yes

 

[saucy]

I am using hdfc millenia diners past one year with 2.60L limit, no limit enhancement until now. Now i received an upgrade offer to diners privilege. I like to upgrade to DCB. if i took the offer now will it hamper my chances for limit enhancement ie after upgrade only 6 months after i am eligible for LE. I know privilege is a next step towards DCB. Guys need suggestions and info regarding that

In my experience, it's always beneficial to take LE.
The offer will keep showing you for some.days and then leave.
And then you wouldn't know when would it come again

Let's say you don't take LE for 2 months. And then you accept.
So that will push the next possible LE by 6 months or whatever is the bank policy. (Axis has 6months)
Which wouldn't benefit you in the end.

So better to accept as soon as you get

 

[krish170794]

Few things to keep in mind
1. DCB will never will LTF unless you are in alumuni programme
2. If upgrade give you LTF DCP you should consider it only then
3. You need to choose what you are into airport lounges, rewards point etc

I am quoting something which will help you to consider
Hope it will help you

They are offering FYF not LTF. Thanks

 

[4uziaul]

I was having DCB LTF and was upgraded to Infinia LTF, and same with spouse card also. We have imperia and not part of alumni, it all depends on negotiation and relationship with the bank.
Cousin have DCB LTF, again not part of alumni, though they are offering Metal FYF, we are pushing for Infinia Metal LTF

And when you got this Infinia LTF?

 

[sreddy]

And when you got this Infinia LTF?

Pre covid

 

[4uziaul]

Pre covid

Exactly!!! That's why I asked you this question, they are not issuing Infinia LTF anymore no matter what account you hold 😂 check the forum and you will find those who have LTF it's issued Pre-Covid, even DCB is being issued under Alumni program.

 

[sreddy]

Thanks for the informations
called My Rm told him to upgrade to imperia banking
will ask for infinia LTF or close my all cards 🤣

You can try this or you can mail to priority cell cc and request them by showing your networth or give a hint of moving everything out of hdfc

 

[Deathsnatcher]

You can try this or you can mail to priority cell cc and request them by showing your networth or give a hint of moving everything out of hdfc

Well i am already a burgundy account holder in axis and in hdfc my rm for imperia told me sir it will be done since i never asked this thing from them [i didnt know that banking matters so never asked]
for cc infinia ltf they BM [after discussing with his team/cc desk] clearly denied by saying in past they used to give now even with very very very good relations we still arent giving
i think i need to escalate the issue and see what they respond

 

[4uziaul]

Well i am already a burgundy account holder in axis and in hdfc my rm for imperia told me sir it will be done since i never asked this thing from them [i didnt know that banking matters so never asked]
for cc infinia ltf they BM [after discussing with his team/cc desk] clearly denied by saying in past they used to give now even with very very very good relations we still arent giving
i think i need to escalate the issue and see what they respond

Please let us know if you manage to get the card approved, as you would likely be the first person, at least in this forum, to achieve this post-COVID. While getting the card with FYF is still possible, obtaining it with a LTF option is considered very difficult.

You can also check this thread here, it's not that old thread and also related to Imperia Banking

HDFC imperia offering Super Premium Cards

Being an Imperia customer for couple of years, in HDFC website under Imperia banking features, this particular statement is not there, but where as in my HDFC mobile application it's showing access to super premium credit card, means eligible for Infinia?

www.technofino.in

 

[Deathsnatcher]

Please let us know if you manage to get the card approved, as you would likely be the first person, at least in this forum, to achieve this post-COVID. While getting the card with FYF is still possible, obtaining it with a LTF option is considered very difficult.

You can also check this thread here, it's not that old thread and also related to Imperia Banking

HDFC imperia offering Super Premium Cards

Being an Imperia customer for couple of years, in HDFC website under Imperia banking features, this particular statement is not there, but where as in my HDFC mobile application it's showing access to super premium credit card, means eligible for Infinia?

www.technofino.in

i dont know how things unfold but why not give a try
even if i get FYF it will be LTF for me based on fee waiver spend criteria
any how i will update here
thanks for the thread @4uziaul

 

[D7162]

Few things to keep in mind
1. DCB will never will LTF unless you are in alumuni programme
2. If upgrade give you LTF DCP you should consider it only then
3. You need to choose what you are into airport lounges, rewards point etc

I am quoting something which will help you to consider
Hope it will help you !

they are offering me Millenia from Regalia.. 🤣 🤣

 

[Deathsnatcher]

they are offering me Millenia from Regalia.. 🤣 🤣

Why they want you to downgrade lol
regalia is a good card if one use it properly !

 

[D7162]

Why they want you to downgrade lol
regalia is a good card if one use it properly !

They once offered some co branded (may be jet privillage) and I didnt opted so may be they are trying up and down to trap me 😉