HDFC Credit Card Upgrade suggestion

[ashcrow]

Hi Everyone,
I’m considering upgrading my HDFC Regalia First Credit Card, which has been devalued. Currently, I hold four credit cards: HDFC Regalia First, TATA Neu with combined limit 3L and , ICICI Coral(8L), Rubyx(6L).
Although there’s no upgrade offer visible on my HDFC account portal, I plan to reach out to HDFC Bank via mail. I’ve narrowed down my choices to two cards based on my preferences:
1- HDFC Regalia Gold- Visa
2- Marriott Bonvoy HDFC Bank Credit Card - (Co-brand Hotel Credit Card)
Kindly suggest me, which one should I choose or any other HDFC credit card as my requirement is lounge, rewards, travel, hotel, shopping offer.
All the cards are LTF and received with now joining Fees, so looking for same upon upgradation
And also let me know, how to get in touch with HDFC bank for the upgrade process via mail.

 

[praveensudhakaran]

Hi Folks,
As a final reply via mail from HDFC escalation cc team, they are insisting me to go with Millennia Credit card with FYF and Rs1000 yearly renewal fee, with waiver of 1Lac.
Suggest me, if I should go with this card as I have Regalia First LTF

I am facing similar issue, they are ignorant for upgrade request. I stopped using Regalia for past 2 months and sent an email with Amex and IDFC statement which shows my monthly spend around 80K. I mentioned I diverted these spends just because HDFC is no longer providing me any value.

They are just sending me emails asking couple of days more time, am waiting for the response from them.

 

[ashcrow]

I am facing similar issue, they are ignorant for upgrade request. I stopped using Regalia for past 2 months and sent an email with Amex and IDFC statement which shows my monthly spend around 80K. I mentioned I diverted these spends just because HDFC is no longer providing me any value.

They are just sending me emails asking couple of days more time, am waiting for the response from them.

Did you escalated this to HDFC escalation CC team?

 

[ashcrow]

Strictly no 🙂 keep regalia

Should I go for closure of Regalia First, as I have HDFC neu infinity visa?🤔

 

[HumorSimpson]

I am facing similar issue, they are ignorant for upgrade request. I stopped using Regalia for past 2 months and sent an email with Amex and IDFC statement which shows my monthly spend around 80K. I mentioned I diverted these spends just because HDFC is no longer providing me any value.

They are just sending me emails asking couple of days more time, am waiting for the response from them.

If this works, I can too.

 

[PavanPavan is verified member.]

HDFC is now looking for profits.. More over we have to leave with HDFC 🙁 it always better than taking axis and getting headaches.We can still go with SBI and icici but rewards are very low
Just praying AmEx acceptance increases

 

[PavanPavan is verified member.]

Should I go for closure of Regalia First, as I have HDFC neu infinity visa?🤔

Nope keep it for offline offers 😛

 

[ashcrow]

HDFC is now looking for profits.. More over we have to leave with HDFC 🙁 it always better than taking axis and getting headaches.We can still go with SBI and icici but rewards are very low
Just praying AmEx acceptance increases

Yes, thank you for helping me out.
I have ICICI coral and rubyx, will apply for the SBI Prime or elite now, or will look for better card from other banks

 

[praveensudhakaran]

If this works, I can too.

Will keep you posted

 

[praveensudhakaran]

Did you escalated this to HDFC escalation CC team?

Yes, now pno team

 

[sidp]

Hi Folks,
As a final reply via mail from HDFC escalation cc team, they are insisting me to go with Millennia Credit card with FYF and Rs1000 yearly renewal fee, with waiver of 1Lac.
Suggest me, if I should go with this card as I have Regalia First LTF

No. I suggest stop using the card for a month. Once a 0rs statement is generated. Then send a mail to MD desk, that as hdfc doesn't value your business, you have already acquired other card. As long as they don't offer dcb, youll generate similar statement only. Also Tell them previous months avg spends, so they realize they lost a profitable customer. They ll come around.

 

[sidp]

Should I go for closure of Regalia First, as I have HDFC neu infinity visa?🤔

No it will be harder for you to upgrade/get core card. Keep for offer. Who knows like sbi cb , if they take neu out of sale offers.

 

[Vasuki]

Should I go for closure of Regalia First, as I have HDFC neu infinity visa?🤔

No don't close as u will be left with co branded card & thats bigger problem 😁

 

[Vasuki]

HDFC is now looking for profits.. More over we have to leave with HDFC 🙁 it always better than taking axis and getting headaches.We can still go with SBI and icici but rewards are very low
Just praying AmEx acceptance increases

Summed up sad State of affair in a mint 🥲

 

[hundredth]

Please check in hdfc mycards website for offer https://mycards.hdfcbank.com/
Or check your emails ...you should most like have a regalia gold card offer

Will checking on mycards result in a hard enquiry in the credit report?

 

[ashcrow]

Will checking on mycards result in a hard enquiry in the credit report?

If you're looking for upgrade via mycards portal then there's no hard enquiry in the Credit report. But if you apply for new credit card then surely there will be a hard enquiry

 

[ashcrow]

Since I informed the HDFC team to close my account and transfer to another financial bank after receiving a denial for my request to upgrade my HDFC credit card, they have begun to send me loan offers under the Elite member tag, and the number of these offers is growing every day through their apps and SMS.

 

[hundredth]

If you're looking for upgrade via mycards portal then there's no hard enquiry in the Credit report. But if you apply for new credit card then surely there will be a hard enquiry

Thanks!

What about limit increase option in mycards? Does it also work without hard pull? Can anyone confirm?

 

[imdjay]

Thanks!

What about limit increase option in mycards? Does it also work without hard pull? Can anyone confirm?

Yes. It works without hard pull to show limit increase if available.

 

[hariselio]

Any one got regalia gold upgrade as LTF? Net banking shows LTF link, but when i go through mobile OTP process, there it shows only FTF 🙁

 

[leeflo05]

Hi Folks,
I am new to this community..
My CC Portfolio is below
1) HDFC Regalia LTF - 12L
2) ICICI Sapphiro LTF - 4 L combined with the below card
3) ICICI Rubyx Rupay LTF

I primarily use my Regalia, am looking to replace Regalia with a better card (rewards).. My Avg spend on the card is 30 k to 70 K averaging around 50k per month across.. Don't have specific categories that i spend a lot ( Groceries, Fuel, Online orders etc) ..looking for an overall card that i can use to get better rewards... Any Suggestions are welcome!