HDFC credit card upgrade and limit enhancement

[Vasuki]

HDFC LE appears to be the hardest to get. I got LE back in 2022 after multiple RM and RM manager escalations, to push my DCB into Infinia.

The next LE happened after 6 months of followups + document sharing, in Jun 2023 (~16% increase). No LE after that despite multiple requests and RM push.

Most of my spends in the last few months have been on HDFC Infinia - 12 months usage is > 12L, 6 months usage is > 9L.

I also have Marriott Bonvoy and Tata Neu Infinity (plus gained and closed the Swiggy HDFC card after a month of having it). Does having Co-branded cards an issue with HDFC for LE? (though the last LE @ 16% came in 4 months after I got the Tata Neu card).

Any experience? Does pushing through BM work for HDFC LE?

Idk what's your limit in hdfc
Assuming it to be 10-12 lakh .

Even if you spend 2-3 lakh monthly,idk why you would push for more limit unless u have some big purchase of 10+ lakh in a go,
But that still you can do in parts


If u need more limit than that you should be aiming for Charge card


Coming to hdfc ,
You didn't specify your income range ..
Assuming it 2-3 l p/m .

Risk appetite of some bank are more some are less
Sbi believes in Quantity
Icici in quality ( even though icici card are useless expect apay)

Hdfc is mix of both .hence it's algorithm is in brawl with itself.

 

[glnarayanan]

Idk what's your limit in hdfc
Assuming it to be 10-12 lakh .

Even if you spend 2-3 lakh monthly,idk why you would push for more limit unless u have some big purchase of 10+ lakh in a go,
But that still you can do in parts


If u need more limit than that you should be aiming for Charge card


Coming to hdfc ,
You didn't specify your income range ..
Assuming it 2-3 l p/m .

Risk appetite of some bank are more some are less
Sbi believes in Quantity
Icici in quality ( even though icici card are useless expect apay)

Hdfc is mix of both .hence it's algorithm is in brawl with itself.

A higher limit is always good to keep overall credit utilisation under limit & for emergencies.

My current limit is 9.35L in HDFC while I have ICICI Apay with 15L & Amex Platinum Travel with 12L (max possible limit on PT as per Amex).

Having a higher limit on Infinia is an automatic boost for higher limits on other C2C card applications which is another bonus 😅

 

[fin_avid]

Hi all.
I am holding HDFC money back plus with a limit of 2L since july 2023(converted from money back which I held from 2020) that time itself i had millennia upgrade which i failed to take (yes stupid me, was not introduced to TF den. ) . After coming here nw thinking of getting a millennia upgrade. How far is it possible if i request now ? Recently got an offer for LE of 16K. (This is because I feel, my earlier limit was 1.08L, den i manually requested a LE using salary slip which den increased to 2L. So nw they might have given tat 100% LE from 1.08L). Haven't taken tat LE still. Any advice on whether to take tat LE ? And how to proceed to request for millennia upgrade. (My latest cibil 797, hold SBI simply save , IDFC classic, ICICI Saphhiro)
TIA

 

[Vasuki]

Hi all.
I am holding HDFC money back plus with a limit of 2L since july 2023(converted from money back which I held from 2020) that time itself i had millennia upgrade which i failed to take (yes stupid me, was not introduced to TF den. ) . After coming here nw thinking of getting a millennia upgrade. How far is it possible if i request now ? Recently got an offer for LE of 16K. (This is because I feel, my earlier limit was 1.08L, den i manually requested a LE using salary slip which den increased to 2L. So nw they might have given tat 100% LE from 1.08L). Haven't taken tat LE still. Any advice on whether to take tat LE ? And how to proceed to request for millennia upgrade. (My latest cibil 797, hold SBI simply save , IDFC classic, ICICI Saphhiro)
TIA

Write email to hdfc saying
You are eligible for millniea cc as u have more than 1 lakh limit
& Request for upgrade

 

[rohant]

I had Neu Plus card with credit limit of 75k while my other cards had close to 8L of limit. I tried reasoning with them mentioning the same but they didn't agree and told me to try with salary slips after 6 months of card approval.
Exactly after 6 months I sent them last 3 months of salary slip and they increased the limit to 4L!
After I got the limit increase, I applied for an upgrade to Neu Inifinty and they processed immediately.
I would say your best bet is with salary slips. Drop a mail to their grievance redressal team at "Grievance.Redressalcc@hdfcbank.com" citing that you want a limit enhancement based on salary and they'll probably process it.

How to get Tata Neu infinity LTF outside of Tata Neu app, also considering my HDFC CC is having a little less than 1.5 lakh credit limit?