Hdfc credit card upgrade

[confusedcardholder]

I havea HDFC BUSINESS MONEYBACK card with1.3 lakh limit(started with1 lakh limit 3 years back). Recently I got a TATA NEU+ card which shares limit with the BUSINESS MONEYBACK CARD. I was never offered a card upgrade since the beginning. I spoke to customer care and they said it’s not possible to get a retail card as upgrade when I am holding a BUSINESS category card. So i closed my BUSINESS MONEYBACK CARD.

My query is -I have a TATA NEU + card which was sharing limit with business moneyback card. Customer care told me that I can use TATA NEU+ as an individual card.
Is it better to close TATA NEU+ card and start fresh as i want to apply for retail/ core Hdfc card through RM 6 months later?

 

[NAB]

Yes, if you aren't getting good upgrade even after submitting all the docs, you can try cancel and re-apply route.

 

[aniketkr.sharma]

I havea HDFC BUSINESS MONEYBACK card with1.3 lakh limit(started with1 lakh limit 3 years back). Recently I got a TATA NEU+ card which shares limit with the BUSINESS MONEYBACK CARD. I was never offered a card upgrade since the beginning. I spoke to customer care and they said it’s not possible to get a retail card as upgrade when I am holding a BUSINESS category card. So i closed my BUSINESS MONEYBACK CARD.

My query is -I have a TATA NEU + card which was sharing limit with business moneyback card. Customer care told me that I can use TATA NEU+ as an individual card.
Is it better to close TATA NEU+ card and start fresh as i want to apply for retail/ core Hdfc card through RM 6 months later?

First you did the wrong step to close your core card, keep in mind never ever follow RM's Word.

If you are salaried you still can get retail card with the help of your salary slips.

Now comes the twist as you have now a cobranded card continue using it and also please check on paytm if there is any core card available for you, apply asap.

Never close your cards, starting again will fully based on assumptions.

 

[confusedcardholder]

First you did the wrong step to close your core card, keep in mind never ever follow RM's Word.

If you are salaried you still can get retail card with the help of your salary slips.

Now comes the twist as you have now a cobranded card continue using it and also please check on paytm if there is any core card available for you, apply asap.

Never close your cards, starting again will fully based on assumptions.

I am a doctor. I’m self employed. i wanted a retail card but i want to upgrade to better card.

 

[aniketkr.sharma]

I am a doctor. I’m self employed. i wanted a retail card but i want to upgrade to better card.

Check on paytm, if any core card available try getting it

 

[confusedcardholder]

Check on paytm, if any core card available try getting it

I checked I’m eligible for HDFC UPI RUPAY CREDIT CARD

 

[aniketkr.sharma]

I checked I’m eligible for HDFC UPI RUPAY CREDIT CARD

Any other than this?

 

[confusedcardholder]

Any other than this?

No. So should i keep the TATA neu card or close that too?

 

[aniketkr.sharma]

No. So should i keep the TATA neu card or close that too?

Apply rupay and keep tata neu, rupay is also core hdfc virtual card.

And keep spending through tata neu plus and after 6 months ask on the grievance.redressalcc@hdfcbank.com
to convert tata neu to millennia.

In this way you will be having one virtual rupay card and millennia core card and after getting millennia, you can apply for any cobranded it will get approved

 

[knr2605]

No. So should i keep the TATA neu card or close that too?

Don't close tata neu. Ask for upgrade to Millenia first. If they deny, take Rupay as suggested above. After 3 months ask for upgrade again(from tata neu)

 

[Vasuki]

I havea HDFC BUSINESS MONEYBACK card with1.3 lakh limit(started with1 lakh limit 3 years back). Recently I got a TATA NEU+ card which shares limit with the BUSINESS MONEYBACK CARD. I was never offered a card upgrade since the beginning. I spoke to customer care and they said it’s not possible to get a retail card as upgrade when I am holding a BUSINESS category card. So i closed my BUSINESS MONEYBACK CARD.

My query is -I have a TATA NEU + card which was sharing limit with business moneyback card. Customer care told me that I can use TATA NEU+ as an individual card.
Is it better to close TATA NEU+ card and start fresh as i want to apply for retail/ core Hdfc card through RM 6 months later?

I am a doctor. I’m self employed. i wanted a retail card but i want to upgrade to better card.

ITR ?
OWN CLINIC? UNDER REGISTERED COMPANY? OR STILL UNSTRUCTURED?

PROFESSIONAL can be into both category depends upon how u trick the system
What other cards u have & their highest limit

 

[confusedcardholder]

ITR ?
OWN CLINIC? UNDER REGISTERED COMPANY? OR STILL UNSTRUCTURED?

PROFESSIONAL can be into both category depends upon how u trick the system
What other cards u have & their highest limit

ITR of 25L. Own hospital and registered as a firm. I have Axis Atlas with 7.5L limit.

 

[aniketkr.sharma]

ITR of 25L. Own hospital and registered as a firm. I have Axis Atlas with 7.5L limit.

I think in this case what i said above is perfect and maybe you can ask for limit increase today by email and upgrade to any core card of your choice, mention only your tata neu plus for upgrade.