HDFC CC not offering Upgrade or Limit Enhancement

[sri_cc]

My takehome salary: >2L

Relationship with HDFC

1. Savings Max account personal (unfortunately my company is a startup and not listed in HDFC, so couldn't get a salary account)
2. Normal savings accounts for both my parents
3. Locker in hometown
4. HDFC Ergo (term insurance)

Existing cards - Limits

• ICICI Coral - 1L
• ICICI Apay - 6.3L
• Axis Flipkart - 2L
• SBI CB - 1.1L
• Kotak White - 2.1L
• IDFC Wealth - 5L
• HDFC MB+ - 34K

I'm stuck with HDFC MB+ CC, I want at least Regalia Gold LTF. Also want the Tata Neu Infinity card as well, but Tata Neu app is showing only the Plus card, that too shared limit with MB+ (34K) and only FYF. Now I have the foll options,

1. Cancel the MB+ card and apply for Regalia Gold LTF via C2C method (branch people near my home are saying it will be processed as LTF for my salary, but read here that it's hit and miss for HDFC C2C) and then take the TataNeu Card Plus and then write to grievance cell asking it to upgrade to Infinity LTF. (prefer this as Regalia is the long term card, but confused after reading threads on the forum saying C2C for Regalia Gold is hit/miss with HDFC)
2. Take the Tata NeuCard Plus first and then go with C2C application and then write to HDFC grievance cell mentioning all the above information and ask them to upgrade it to Tata Neu Infinity LTF.

Please suggest the best course of action.

 

[Tejo]

1. Cancel the MB+ card and apply for Regalia Gold LTF via C2C method (branch people near my home are saying it will be processed as LTF for my salary, but read here that it's hit and miss for HDFC C2C) and then take the TataNeu Card Plus and then write to grievance cell asking it to upgrade to Infinity LTF. (prefer this as Regalia is the long term card, but confused after reading threads on the forum saying C2C for Regalia Gold is hit/miss with HDFC)
2. Take the Tata NeuCard Plus first and then go with C2C application and then write to HDFC grievance cell mentioning all the above information and ask them to upgrade it to Tata Neu Infinity LTF.

Threaten the manager, that you will close savings account and card, he might help you to upgrade.

Already hdfc not thinking to give le, so taking neu card and trying to upgrade is time waste.

Just cancel the card, apply via c2c.

 

[helloworld]

So far haven't seen Regalia Gold and Infinia Metal as LTF in HDFC. Add to the list latest Mariott card.

1. Spend some like 2 or 3L in a year and request for Regalia Gold upgrade (LTF based on email negotiations but mostly not possible)
2. Spend some like 1 or 2L in a year and request for Millennia (very good one compared to old Regalia actually) (LTF based on email negotiations - possible)
3. Easy option, download upgrade form fill the details attach your >2L salary proofs and drop in HDFC box - wait for the limit enhancement and/or upgrade. (LTF may not possible unless this one sent through Branch but upgrade possible with salary)

This is with MB+

Now, Nue card can be taken along with MB+ and never mix core card with co-brand in HDFC.

1. You can take whichever they offered and upgrade to Infinity (LTF based on email negotiations) or try their site 4 step method and see if they offering you Infinity there, and request for LTF.

 

[sri_cc]

Threaten the manager, that you will close savings account and card, he might help you to upgrade.

Already hdfc not thinking to give le, so taking neu card and trying to upgrade is time waste.

Just cancel the card, apply via c2c.

My savings account, locker, parents account all are in my hometown and I'm in a city, so don't know how much the manager here would care about me closing the accounts, as it's not his branch.

Tried applying C2C for infinity plus, but the CC guy from the same branch I spoke to is saying, they can't apply for co-branded via C2C. I don't think he's very knowledgeable.

 

[sri_cc]

3. Easy option, download upgrade form fill the details attach your >2L salary proofs and drop in HDFC box - wait for the limit enhancement and/or upgrade. (LTF may not possible unless this one sent through Branch but upgrade possible with salary)

If it's just LE, I'll still take it.
What if they offer only fee based upgrade, I'm not interested in fee based cards right now.
Can I just take one without the other?

1. You can take whichever they offered and upgrade to Infinity (LTF based on email negotiations) or try their site 4 step method and see if they offering you Infinity there, and request for LTF.

what is 4 step method? earlier it was showing infinity plus as FYF, but once I entered PAN etc, it was showing only the plus card

 

[Tejo]

Tried applying C2C for infinity plus, but the CC guy from the same branch I spoke to is saying, they can't apply for co-branded via C2C. I don't think he's very knowledgeable.

Actually hdfc didn't upgrade forms. The hdfc still in 19's 😅

 

[dineshweb]

Regalia Gold and Infinia Metal as LTF in HDFC.

Not true for Regalia bro, I hold Regalia Gold LTF , also know few people hold LTF too but it's based on your relationship with RM and negotiations.

For Infinia I've heard people got it LTF as a business card or something but I'm note sure about that.

 

[aam.aadmi]

Not true for Regalia bro, I hold Regalia Gold LTF , also know few people hold LTF too but it's based on your relationship with RM and negotiations.

For Infinia I've heard people got it LTF as a business card or something but I'm note sure about that.

Regalia & Infinia had LTF provision, but they are discontinued. The new variants, Regalia Gold & Infinia Metal cannot be made LTF. My RM showed me the available options through her login. Only joining fee waiver & annual fee rollback options are available, but RM has to raise request with justification

 

[sri_cc]

Not true for Regalia bro, I hold Regalia Gold LTF , also know few people hold LTF too but it's based on your relationship with RM and negotiations.

what can I try in terms of negotiations? (I'm sorry if these are basic questions, but I'm new to this CC game).

Also when I gave a missed call on 70433 70433 to find out who my RM is, I got an SMS saying

Sorry this number is not registered with HDFC Bank. Kindly give a Missed call on +917043370433 from your registered contact number.

So I guess, no RM is assigned to my account.

 

[CCnewbie]

Darn bro you have so much with HDFC and they treating you like this. Not good.

 

[saucy]

My takehome salary: >2L

Relationship with HDFC

1. Savings Max account personal (unfortunately my company is a startup and not listed in HDFC, so couldn't get a salary account)
2. Normal savings accounts for both my parents
3. Locker in hometown
4. HDFC Ergo (term insurance)

Existing cards - Limits

• ICICI Coral - 1L
• ICICI Apay - 6.3L
• Axis Flipkart - 2L
• SBI CB - 1.1L
• Kotak White - 2.1L
• HDFC MB+ - 34K

I'm stuck with HDFC MB+ CC, I want at least Regalia Gold LTF. Also want the Tata Neu Infinity card as well, but Tata Neu app is showing only the Plus card, that too shared limit with MB+ (34K) and only FYF. Now I have the foll options,

1. Cancel the MB+ card and apply for Regalia Gold LTF via C2C method (branch people near my home are saying it will be processed as LTF for my salary, but read here that it's hit and miss for HDFC C2C) and then take the TataNeu Card Plus and then write to grievance cell asking it to upgrade to Infinity LTF. (prefer this as Regalia is the long term card, but confused after reading threads on the forum saying C2C for Regalia Gold is hit/miss with HDFC)
2. Take the Tata NeuCard Plus first and then go with C2C application and then write to HDFC grievance cell mentioning all the above information and ask them to upgrade it to Tata Neu Infinity LTF.

Please suggest the best course of action.

I've been in a similar situation. Here's what I did.

1. Changed my account into preferred, then got behind the BM to get me an upgraded card.
2. Wrote to hdfc chennai with salary docs, to up my limit. This unlocked tata neu infinity and DCB for me

I think money-back is their Flagged card. It seems like Whoever gets it, never gets anything better 🤣🤣🤣

 

[dineshweb]

what can I try in terms of negotiations? (I'm sorry if these are basic questions, but I'm new to this CC game).

Also when I gave a missed call on 70433 70433 to find out who my RM is, I got an SMS saying

So I guess, no RM is assigned to my account.

Is your account classic/preferred/imperia ? if any one of those you would have your RM details by mailed every once a month.

 

[doineedto]

Regalia & Infinia had LTF provision, but they are discontinued

Not sure if this is true! I just got my Regalia converted to LTF last month via email correspondence.

 

[shrewdoc]

Not sure if this is true! I just got my Regalia converted to LTF last month via email correspondence.

The quoted post means HDFC is phasing out Plastic Infinia and Regalia. Instead, their new offerings are Infinia Metal and Regalia Gold.

 

[nrj1007]

My takehome salary: >2L

Relationship with HDFC

1. Savings Max account personal (unfortunately my company is a startup and not listed in HDFC, so couldn't get a salary account)
2. Normal savings accounts for both my parents
3. Locker in hometown
4. HDFC Ergo (term insurance)

Existing cards - Limits

• ICICI Coral - 1L
• ICICI Apay - 6.3L
• Axis Flipkart - 2L
• SBI CB - 1.1L
• Kotak White - 2.1L
• HDFC MB+ - 34K

I'm stuck with HDFC MB+ CC, I want at least Regalia Gold LTF. Also want the Tata Neu Infinity card as well, but Tata Neu app is showing only the Plus card, that too shared limit with MB+ (34K) and only FYF. Now I have the foll options,

1. Cancel the MB+ card and apply for Regalia Gold LTF via C2C method (branch people near my home are saying it will be processed as LTF for my salary, but read here that it's hit and miss for HDFC C2C) and then take the TataNeu Card Plus and then write to grievance cell asking it to upgrade to Infinity LTF. (prefer this as Regalia is the long term card, but confused after reading threads on the forum saying C2C for Regalia Gold is hit/miss with HDFC)
2. Take the Tata NeuCard Plus first and then go with C2C application and then write to HDFC grievance cell mentioning all the above information and ask them to upgrade it to Tata Neu Infinity LTF.

Please suggest the best course of action.

1. 2 months back I mailed PNO to upgrade my Diners Privilege to DCB LTF under Alumni offer. PNO denied maybe because my credit limit was 3 lakhs.
2. few days later I mailed PNO for limit enhancement based on my salary slip. They increased my credit limit to 6 lakhs.
3. a month later I mailed again to upgrade to DCB LTF under Alumni offer (attached my salary slips, account statement and also mentioned that I have preferred account with HDFC). This time it was upgraded.

For you I would suggest first mail pno to for LE. Then ask for an upgrade to your desired credit card as LTF.

 

[rogerthat]

It is impossible to upgrade Moneyback to anything. The only way is to close the card and then apply again. Walk in to the branch, demand to see the manager and tell them your requirement. But that is no guarantee for anything, as you have rightly said everything is hit and miss with HDFC. I've been their customer for 17 years and they have given me absolutely nothing, even when they were offering things left right and center during COVID times. I had to jump through all kinds of hoops to get my DCP converted to jsut Regalia Gold. And even then they refused to give LTF or even LE from 3 lakhs despite my salary being close to yours AND having a salary account! And to think I was trying to get Infinia!

Also, Regalia Gold is pretty useless with pathetic returns (<1%). IMHO. You will most certainly get it as FYF but it is pointless holding it unless it is LTF. Try hard for a limit of at least 6L and use that to get Infinia or Magnus.

 

[pranavcool]

Milinea is better than shity gold

It is impossible to upgrade Moneyback to anything. The only way is to close the card and then apply again. Walk in to the branch, demand to see the manager and tell them your requirement. But that is no guarantee for anything, as you have rightly said everything is hit and miss with HDFC. I've been their customer for 17 years and they have given me absolutely nothing, even when they were offering things left right and center during COVID times. I had to jump through all kinds of hoops to get my DCP converted to jsut Regalia Gold. And even then they refused to give LTF or even LE from 3 lakhs despite my salary being close to yours AND having a salary account! And to think I was trying to get Infinia!

Also, Regalia Gold is pretty useless with pathetic returns (<1%). IMHO. You will most certainly get it as FYF but it is pointless holding it unless it is LTF. Try hard for a limit of at least 6L and use that to get Infinia or Magnus.

 

[sri_cc]

The following is the email conversation between me and CC guy from the HDFC branch I've visited. I've asked him to send me an email saying I'll definitely get Regalia Gold as LTF and only then I'll cancel my MB+ and apply through them and here's how it went down

28 Aug 2023

Dear Sir,

As over the phone discussed card to card you will get life time free card

My reply on 29 Aug 2023

Hi VINOD,

I am including the summary of our phone conversation as it was not clear in the email you've sent me.

Summary of the conversation

• I wanted to know the best possible credit card for me which is LTF, I have an existing CC, which is HDFC MB+ with a limit of just 34K whereas my monthly take home salary is 2L+ and I hold an savings Max account with HDFC
• you've mentioned some cards like Regalia Gold, DCB etc but with fees based on my salary
• I wanted at least Tata Neu Infinity as LTF which you've mentioned, was being issued only from the Tata Neu app
• Then I've asked about applying via C2C basis for the Tata Neu Infinity card, which you said was not being approved
• Then you've told that Regalia Gold will be approved as LTF based on C2C as I've an existing card with more than 5L limit for more than 6 months
• I've asked if you're sure about he Regalia Gold being LTF and you've confirmed that is LTF based on C2C and in order to process the same you've asked me to cancel the existing HDFC MB+ card and once the whole cancellation is done, you've said you'd process the Regalia Gold as LTF for me

Please let me know if there are any discrepancies in the above mentioned points.

Also is it guaranteed that Regalia Gold will be LTF and that's the card that will be issued for me, as I've been reading online that based on C2C, sometimes Millennia is being offered, because if I cancel my MB+ card and then get another lower tier credit card, there's no point in doing it. And it will also unnecessarily affect my credit score.

ref - https://www.technofino.in/community/threads/hdfc-c2c-regalia-gold-few-questions.14867/

Thanks & Regards,
SRI

followed up on 3 Sept 2023

Hi VINOD,

I'm waiting for your reply.

Thanks & Regards,
SRI

his reply today morning, 4 Sep 2023

Dear Sir,

We are ok to process C2C LTF regalia gold card .
Pls let me know once MB card closed, we will start the process.

Thanks and regards
Vinod C V

So for now I'm thinking I'd cancel the MB+ and then apply C2C for Regalia Gold through them and if they don't give me the same, I'll attach this e-mail conversation and escalate to the PNO.

 

[SSV]

I think money-back is their Flagged card. It seems like Whoever gets it, never gets anything better

Thank yor sir, they are bothering me close to about 3 months with their FLAGSHIP CC " Money Back" and I am not budging...

 

[Shrinit Padwal]

My RM is telling - close your current card(Millenia LTF) - apply for new Regalia Gold(can be processed LTF thanks to my organisation). Hold an HDFC classic salary account.

I'm not going to upgrade as Millenia rewards are better than Gold and much suited for me currently