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.

 

[sri_cc]

I've called CC to cancel my MB+ card and they're asking me to use the HDFC CC LE / UPGRADE FORM instead of cancelling the card.
Is this better in any way? (Only reason I'm thinking about this is, one of my friends wants to buy a phone during the upcoming Big Billion Days sale and he doesn't have any CC, so he said he'd use mine.) If going through branch has better chances, then I'll ignore these RP's and go through them.

@Tejo @helloworld @dineshweb @aam.aadmi @saucy @doineedto @shrewdoc @rogerthat pls suggest my path forward

 

[sri_cc]

1. Changed my account into preferred, then got behind the BM to get me an upgraded card.

I was going through this Eligibility criteria for Preferred banking and my company is not listed in the HDFC database, so I'm not able to open a salary account.

2. Wrote to hdfc chennai with salary docs, to up my limit. This unlocked tata neu infinity and DCB for me

Is this dependant on the first point? i.e; does my account have to be preferred?

 

[sri_cc]

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.

this won't work for me as I'm not from a tier 1 college

 

[neo.puneet]

few days later I mailed PNO for limit enhancement based on my salary slip.

what's your take home salary?

 

[Tejo]

I've called CC to cancel my MB+ card and they're asking me to use the HDFC CC LE / UPGRADE FORM instead of cancelling the card.
Is this better in any way? (Only reason I'm thinking about this is, one of my friends wants to buy a phone during the upcoming Big Billion Days sale and he doesn't have any CC, so he said he'd use mine.) If going through branch has better chances, then I'll ignore these RP's and go through them.

@Tejo @helloworld @dineshweb @aam.aadmi @saucy @doineedto @shrewdoc @rogerthat pls suggest my path forward

send docs to legendary chennai off. with form. if they dont upgrade cancel card after BB days. Then apply from the agents at airport, direct DCB.

 

[Tejo]

I've called CC to cancel my MB+ card and they're asking me to use the HDFC CC LE / UPGRADE FORM instead of cancelling the card.
Is this better in any way? (Only reason I'm thinking about this is, one of my friends wants to buy a phone during the upcoming Big Billion Days sale and he doesn't have any CC, so he said he'd use mine.) If going through branch has better chances, then I'll ignore these RP's and go through them.

@Tejo @helloworld @dineshweb @aam.aadmi @saucy @doineedto @shrewdoc @rogerthat pls suggest my path forward

Actually, there were several credit card scams by saying salaried from a startup.

I'm saying ....... why they hesitate to give upgarde or le, even you have 2lakh salary.

even doing several things like ... cancelling and freshly apply, even no use for you means you can upgrade/le via FD Lien.

 

[sri_cc]

send docs to legendary chennai off. with form. if they dont upgrade cancel card after BB days. Then apply from the agents at airport, direct DCB.

what's the address to send? and what all can I include in the post?

 

[shrewdoc]

I've called CC to cancel my MB+ card and they're asking me to use the HDFC CC LE / UPGRADE FORM instead of cancelling the card.
Is this better in any way? (Only reason I'm thinking about this is, one of my friends wants to buy a phone during the upcoming Big Billion Days sale and he doesn't have any CC, so he said he'd use mine.) If going through branch has better chances, then I'll ignore these RP's and go through them.

@Tejo @helloworld @dineshweb @aam.aadmi @saucy @doineedto @shrewdoc @rogerthat pls suggest my path forward

I got card in my hand within 10 days of applying. They gave Millenia LTF against C2C. Considering sales are in late September/Early October, you can cancel and start via offline process through branch. The people at branch would see it through since they get commission on sourcing you for their card.

 

[Tejo]

what's the address to send? and what all can I include in the post?

Address-




Docs:
1. Upgrade/LE form
2. Aadhar
3. Pan
4. Last 3 months pay slip (If you have) + Bank Statement or ITR

Note: On Every document, you need to sign *

 

[nrj1007]

what's your take home salary?

My point is to ask for LE first which should not be a problem. Then ask for upgrade. Getting it as LTF will depend on your relationship with the bank.

 

[sri_cc]

- Mail (Ask them by mentioning other cards, expenses, income etc. level by levl until it reaches priority redressal - not directly them).

How many levels are there? and how long does it take to reach the priority redressal?

FYI: None of your cards can get you Regalia Gold as C2C, not sufficient limit on them.

APAY ICICI - 6.3L
IDFC WEALTH - 5L

these aren't sufficient?

 

[Abhishek20]

send docs to legendary chennai off. with form. if they dont upgrade cancel card after BB days. Then apply from the agents at airport, direct DCB.

Ye agents at airport ka kya mamla hai 🤔

 

[BUDHRAJ]

sorry to suddenly jump into this thread..

i too have moneyback from last 2 years, with less than 1 lacs limit.. no LE offer till date.. and after 2 years they give upgrade offer for shitty indian oil card which i declined..
having good relationship and balance in saving ac but still no upgrading to classic banking..

also when i try to check for apply new card, it only shows moneyback+ and indian oil there.. same for last 2 years..

should upgrading my account to classic or preferred opens way for atleast millinea..
i think even if i close my card and try again they will still offer me moneyback only as in apply portal only moneyback and indian oil card showss...

can't send income docs for some months now..

please suggest something.. how i can get atleast millinea if not anything else..

 

[shrewdoc]

How many levels are there? and how long does it take to reach the priority redressal?

L1: customerservices.cards@hdfcbank.com
L2: escalation.cc@hdfcbank.com
L3: grievance.redressalcc@hdfcbank.com
L4: priorityredressal.creditcards@hdfcbank.com

You can also reach out via these forms if you already have an SR number:
Grievance Redressal: https://leads.hdfcbank.com/applications/webforms/apply/grievance_redressal_form.asp

Principal Nodal Officer:

HDFC Bank - Complaint Form

 

[saucy]

I was going through this Eligibility criteria for Preferred banking and my company is not listed in the HDFC database, so I'm not able to open a salary account.

Is this dependant on the first point? i.e; does my account have to be preferred?

If you're aiming the big billion day sale, you might be a bit late.

Don't need salary account. You can keep 2L in the account and ask for an upgrade.

Point 2 is not dependent on first one, but it'd definitely help.

 

[saucy]

If I were in your position, I'd -

1. Drop the LE mail with salary slips and your IDFC wealth and Apay credit card statement and ask for a quick LE. probably to grieveance and nodal officer at once.

2. Find out about the overlimit facility. I suppose my priority would be getting a mobile on discount than anything else.

3. Look for a backup credit card.

On a later stage I'd look for a diners black via alumni offer. If not through that, I'm pretty sure a 5L+ card is good enough for a diners black/regalia gold for c2c.
All these you could pursure after getting a preferred/imperia account
Your current can upgrade into preferred by maintaining 2L balance in savings account. It's 10L for imperia
Alternatively you may open a new account with 5L cheque for an imperia account directly. You can search for more details on the forum, I've made a whole thread.

 

[sri_cc]

2. Wrote to hdfc chennai with salary docs, to up my limit. This unlocked tata neu infinity and DCB for me

how much time does this take on an average?

 

[saucy]

how much time does this take on an average?

Only tried it once. Took 2 months

 

[MartianManhunter]

I recently got LE from Netbanking itself. Keep on checking that.

 

[MrWick]

I got a call from credilio that they can provide me HDFC Millenia LTF as I'm a Govt employee. It is legit ? How can they provide It LTF as HDFC doesn't have any pre approved offer for me ?