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HDFC CC not offering Upgrade or Limit Enhancement

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S

sri_cc

TF Premier
VIP Lounge
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.
 
Last edited:
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Gautam3 said:
I tried all and told I'll close my business moneyback card and they replied yes you can lol and provided instructions on how to close the card.
Click to expand...
But they apologized to me and agreed to upgrade to Millenia FYF. I thought to convert to LTF but they said upgrades are FYF only. I can reach 1L. But I don't want that headache.

My account is 5+ years old and CC is 1.5 years old. I am thinking of upgrading to classic banking. Will they downgrade it if I don't maintain the MAB?
 
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James said:
But they apologized to me and agreed to upgrade to Millenia FYF. I thought to convert to LTF but they said upgrades are FYF only. I can reach 1L. But I don't want that headache.

My account is 5+ years old and CC is 1.5 years old. I am thinking of upgrading to classic banking. Will they downgrade it if I don't maintain the MAB?
Click to expand...
What is your limit?
 
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sri_cc said:
Update: I went to my hometown and had to visit the HDFC bank for some reason and the teller there was trying to cross sell insurance etc to me and fed up with him, I went on a rant mentioning everything and he said he'll immediately convert my account to preferred and then add my mom's and dad's account to it as well. Finally I have an HDFC RM, but not sure whether to be happy or not.

Not sure if this helps with my Reg Gold LTF C2C application. (btw applying for it next week, will update the status here)
Click to expand...
Could you tell if Millennia LTF was present there when you applied C2C?
 
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sri_cc said:
Since it was C2C, the process is offline, I just signed on a couple of forms, the agent filled the rest.

However, they said they can even process DCB but not LTF, any card below that was LTF. They couldn't even process DCB FYF, else would've taken it.
Click to expand...
Which card you use for C2C?
 
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Gautam3 said:
Oh okay bro, BTW how did you manage to do this high limit? Any tips please?
Click to expand...
  • When it was issued, the limit was just 1L
  • This was my second card, first got the CORAL and then got this, but mostly used only this card for almost an year and a half.
  • Then they increased the limit to 3.1L, by this time added FK Axis card to my wallet
  • slowly usage got spread across this and FK Axis, and actually all of the offline swiping went to FK as 1.5% CB
  • even then next year they upped the limit to 6.1L
  • this time around I had 5 cards and except for amazon orders, didn't use the card for anything else, which is for the past 2 years
  • after that no credit limit increase

Basically re-route all of your spends to this card if you wanna get a higher limit, after that you can go back to multiple cards based on best CB/reward rates
 
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James said:
But they apologized to me and agreed to upgrade to Millenia FYF. I thought to convert to LTF but they said upgrades are FYF only. I can reach 1L. But I don't want that headache.

My account is 5+ years old and CC is 1.5 years old. I am thinking of upgrading to classic banking. Will they downgrade it if I don't maintain the MAB?
Click to expand...
Please tell me how you have requested and convinced them for upgrade?
What you mentioned in mail, how much was your spend? I have moneyback+ card which is upgraded from iocl 3 months ago
 
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Mysterio_6174 said:
Please tell me how you have requested and convinced them for upgrade?
What you mentioned in mail, how much was your spend? I have moneyback+ card which is upgraded from iocl 3 months ago
Click to expand...
Oh, you're making me to check my emails.
I requested the upgrade to escalation.cc. But they denied and they said me to send documents to their office.

Then I sent mail to grievance.redressalcc@hdfcbank.com and the email copy is

I asked millenia credit card but your team from escalation cc has irritated me by saying they can't provide and even they're telling me to use the card more. Why should I use more? I have better credit cards to use, so I'll use it only. I don't believe their words that use card more to get offer. I'm using money back plus credit card for more than 1 and half year and you provided business money back as an upgrade. Am I stupid to accept that offer?

And also i would like to share my experience with axis and icici. I got my first axis credit card before 9 months. After 3 months, in axis app, I was offered many credit cards to choose one. I took axis ace credit card. See 3 months after getting the card from I got offer.

Icici also provided thier best Apay credit card to me before 3 months. As I'm getting 5% reward rate on APAY card, I'll use that only on Amazon instead of your money back plus credit card.

So, after 1 and half year, no better offer from hdfc. But I got better cards now. I will be using your credit card if you offer me millenia credit card.


I would like to conclude if you give me the negative response, what I'll do is I have 1 L + balance in hdfc, I'll transfer it to another bank accounts of mine And I'll be ready to close more than 5 years of relationship with you also. So, think well before responding. Because I was expecting a positive response but you people have irritated me by taking too much time and a negative response.

I'm ready to send my income documents over the email for you to consider. Don't tell me to send a courier in this digital Era. I'll not send my documents by post.
 
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James said:
Oh, you're making me to check my emails.
I requested the upgrade to escalation.cc. But they denied and they said me to send documents to their office.

Then I sent mail to grievance.redressalcc@hdfcbank.com and the email copy is

I asked millenia credit card but your team from escalation cc has irritated me by saying they can't provide and even they're telling me to use the card more. Why should I use more? I have better credit cards to use, so I'll use it only. I don't believe their words that use card more to get offer. I'm using money back plus credit card for more than 1 and half year and you provided business money back as an upgrade. Am I stupid to accept that offer?

And also i would like to share my experience with axis and icici. I got my first axis credit card before 9 months. After 3 months, in axis app, I was offered many credit cards to choose one. I took axis ace credit card. See 3 months after getting the card from I got offer.

Icici also provided thier best Apay credit card to me before 3 months. As I'm getting 5% reward rate on APAY card, I'll use that only on Amazon instead of your money back plus credit card.

So, after 1 and half year, no better offer from hdfc. But I got better cards now. I will be using your credit card if you offer me millenia credit card.


I would like to conclude if you give me the negative response, what I'll do is I have 1 L + balance in hdfc, I'll transfer it to another bank accounts of mine And I'll be ready to close more than 5 years of relationship with you also. So, think well before responding. Because I was expecting a positive response but you people have irritated me by taking too much time and a negative response.

I'm ready to send my income documents over the email for you to consider. Don't tell me to send a courier in this digital Era. I'll not send my documents by post.
Click to expand...
And i use hdfc bill pay to pay other bank credit card bills and they reviewed my account and hdfc is my main account
 
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James said:
Oh, you're making me to check my emails.
I requested the upgrade to escalation.cc. But they denied and they said me to send documents to their office.

Then I sent mail to grievance.redressalcc@hdfcbank.com and the email copy is

I asked millenia credit card but your team from escalation cc has irritated me by saying they can't provide and even they're telling me to use the card more. Why should I use more? I have better credit cards to use, so I'll use it only. I don't believe their words that use card more to get offer. I'm using money back plus credit card for more than 1 and half year and you provided business money back as an upgrade. Am I stupid to accept that offer?

And also i would like to share my experience with axis and icici. I got my first axis credit card before 9 months. After 3 months, in axis app, I was offered many credit cards to choose one. I took axis ace credit card. See 3 months after getting the card from I got offer.

Icici also provided thier best Apay credit card to me before 3 months. As I'm getting 5% reward rate on APAY card, I'll use that only on Amazon instead of your money back plus credit card.

So, after 1 and half year, no better offer from hdfc. But I got better cards now. I will be using your credit card if you offer me millenia credit card.


I would like to conclude if you give me the negative response, what I'll do is I have 1 L + balance in hdfc, I'll transfer it to another bank accounts of mine And I'll be ready to close more than 5 years of relationship with you also. So, think well before responding. Because I was expecting a positive response but you people have irritated me by taking too much time and a negative response.

I'm ready to send my income documents over the email for you to consider. Don't tell me to send a courier in this digital Era. I'll not send my documents by post.
Click to expand...
and in return what reply did you get ?
 
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James said:
He apologized and provided Upgrade to FYF millenia
Click to expand...
I raised a request to close my mb+ credit card. They called and asked me to use 6 months more for LE/Upgrade . I said i will use it for 2months and i will close the card. if they don't give me the upgrade offer definitely i will close
 
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