HDFC Credit Limit Increased from 15.5 lakh to 17.05 Lakh

[sunit123]

HDFC is offering increase in credit limit.....My wife received SMS regarding increase in credit limit...Increased to 17.05 Lakh

 

[aniketkr.sharma]

Didn't try on my brother's, coz don't want any trigger before his spent criteria is done which should be soon so not risking .

But for me No LE. But I got offered regalia gold FYF lol. But I got sms saying thankyou for banking with hdfc, we have a card upgrade update on your cc.

When I went for it, it asked otp, and then - you already have best card bla bla. Wtf? I tried from my mobile, and now in end when it asks for otp, hdfc website blanks out even though final otp do come...

View attachment 84298

Don't upgrade for regalia gold as points will be converted for less value.

Keep millennia.

I was wrong when decided for upgrade as now it seems trapped and even if i get upgrade it will be less values.

 

[Sobirvs]

Don't upgrade for regalia gold as points will be converted for less value.

Keep millennia.

I was wrong when decided for upgrade as now it seems trapped and even if i get upgrade it will be less values.

Yea for points, even I thought so, but I have less pts right now, hardly 150 and this month statement should add 800 more. But I care more for LE than my card or points. I am guessing upgrading to regalia gold will offer me better LE to me as regalia gold is more premium compared to mil right? May be mil which is considered less premium compared to regalia has a threshold internally that this card can go maxx this limit, and regalia is 3x of that? idk, it's all in my head.

I am just guessing here... It's anyways not letting me upgrade though.

 

[aniketkr.sharma]

Yea for points, even I thought so, but I have less pts right now, hardly 150 and this month statement should add 800 more. But I care more for LE than my card or points. I am guessing upgrading to regalia gold will offer me better LE to me as regalia gold is more premium compared to mil right? May be mil which is considered less premium compared to regalia has a threshold internally that this card can go maxx this limit, and regalia is 3x of that? idk, it's all in my head.

I am just guessing here... It's anyways not letting me upgrade though.

Wrong bro, Millennia users also having 15L & 20 L limit.

 

[Sobirvs]

Wrong bro, Millennia users also having 15L & 20 L limit.

Hmm, so 100% I shouldn't go for it? I begged red g and pno to upgrade coz I got same offr in oct 24, but they denied lol and now I have it. Anyways they are not letting it go through.. I guess I'll stick to mil.

 

[aniketkr.sharma]

Hmm, so 100% I shouldn't go for it? I begged red g and pno to upgrade coz I got same offr in oct 24, but they denied lol and now I have it. Anyways they are not letting it go through.. I guess I'll stick to mil.

Yeah but one thing striked me now, as we can get unlimited points if we do spending on regalia gold for upgrading to infinia.

In millennia i think it's restricted to 2k per month (if this is correct you can upgrade if incorrect leave the upgrade)

 

[Sobirvs]

Yeah but one thing striked me now, as we can get unlimited points if we do spending on regalia gold for upgrading to infinia.

In millennia i think it's restricted to 2k per month (if this is correct you can upgrade if incorrect leave the upgrade)

2k? I think it is 1k.

1k limit for 5% cashback
1k limit for 1% cashback

Thing is, idk if these both are separate or total including. Anyways 1% offer is flop, but 5% is good for 1k limit.

I have however heard once upgraded to regalia, CL increased will stop atleast for a year or so.. True?

My brother's last CL inc was in March 2023. This was when he had normal visa regalia, not regalia gold. Idk if he got sms for CL inc after that or not. But his statements show 8L limit in feb 2023 and 8.5L in march 2023 and it has been 8.5L since march 2023 till today. When I checked thru link of hdfc, it says you have the best limit etc.

I am kinda afraid about this though. Is regalia gold cursed lol?

Source. https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Millennia Cards/CashBack Credit Card/Terms-and-Conditions-Millennia-Credit-Card.pdf

 

[6ix9ine]

Thing is, idk if these both are separate or total including. Anyways 1% offer is flop, but 5% is good for 1k limit.

It is separate

 

[Sobirvs]

It is separate

hmm, still kinda useless, most cards give 1% anyways.

 

[aniketkr.sharma]

2k? I think it is 1k.

1k limit for 5% cashback
1k limit for 1% cashback

Thing is, idk if these both are separate or total including. Anyways 1% offer is flop, but 5% is good for 1k limit.

I have however heard once upgraded to regalia, CL increased will stop atleast for a year or so.. True?

My brother's last CL inc was in March 2023. This was when he had normal visa regalia, not regalia gold. Idk if he got sms for CL inc after that or not. But his statements show 8L limit in feb 2023 and 8.5L in march 2023 and it has been 8.5L since march 2023 till today. When I checked thru link of hdfc, it says you have the best limit etc.

I am kinda afraid about this though. Is regalia gold cursed lol?

Source. https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Millennia Cards/CashBack Credit Card/Terms-and-Conditions-Millennia-Credit-Card.pdf

Yeah you can say cursed and a trap too

 

[Sobirvs]

Yeah you can say cursed and a trap too

Damn..

btw I just went to mycards and tried to upgrade from there.. it is showing there too.

It asked for otp, i put it in, then it asked for DOB, I did, then it said to verify myself via netbanking/debit/credit card, I did it via my newly opened 2 weeks old savings max acc which is upgraded to family banking imperia, once done, it asked for one more time otp, and when I put it in, it says wrong otp (bullshit), I tried twice, again wrong otp, and it said 1 time more allowed, prolly means they would have blocked my card for security, so I logged out.

Then I went again, same thing happened, this time I tried to verify via my credit card credentials in step 3. Wrong otp in last step.

I checked on reddit and all eligible people are able to upgrade. Idk this bug of HDFC is saving me or what from the cursed hdfc regalia lol.

Also btw, there is a possibility I have multiple CID's in HDFC. One was old which was my current acc. I could never see my credit cards from netbanking of current acc too. Then I have another login for just credit card portal here https://netportal.hdfcbank.com/login#/openMarketLoginCC this is netbanking only but only for credit cards, not savings acc. And now I have another CID for my savings acc imperia but I can't see my credit cards in there. Is that the reason why I am not being upgraded or auto system of hdfc is confused about my CID in their core system? My branch BM told me when they opened the acc that my earlier CID's will be merged in this or vice versa, I couldn't understand a thing what she said back then. She said once PAN is updated then it will happen, they had to do this offline as my old CID was creating problems. But when PAN finally got linked to me new savings acc, then after that silence, no merging nothing....

HDFC is fckn' grandpa of national banks. Old and tired.

 

[aniketkr.sharma]

Damn..

btw I just went to mycards and tried to upgrade from there.. it is showing there too.

It asked for otp, i put it in, then it asked for DOB, I did, then it said to verify myself via netbanking/debit/credit card, I did it via my newly opened 2 weeks old savings max acc which is upgraded to family banking imperia, once done, it asked for one more time otp, and when I put it in, it says wrong otp (bullshit), I tried twice, again wrong otp, and it said 1 time more allowed, prolly means they would have blocked my card for security, so I logged out.

Then I went again, same thing happened, this time I tried to verify via my credit card credentials in step 3. Wrong otp in last step.

I checked on reddit and all eligible people are able to upgrade. Idk this bug of HDFC is saving me or what from the cursed hdfc regalia lol.

Also btw, there is a possibility I have multiple CID's in HDFC. One was old which was my current acc. I could never see my credit cards from netbanking of current acc too. Then I have another login for just credit card portal here https://netportal.hdfcbank.com/login#/openMarketLoginCC this is netbanking only but only for credit cards, not savings acc. And now I have another CID for my savings acc imperia but I can't see my credit cards in there. Is that the reason why I am not being upgraded or auto system of hdfc is confused about my CID in their core system? My branch BM told me when they opened the acc that my earlier CID's will be merged in this or vice versa, I couldn't understand a thing what she said back then. She said once PAN is updated then it will happen, they had to do this offline as my old CID was creating problems. But when PAN finally got linked to me new savings acc, then after that silence, no merging nothing....

HDFC is fckn' grandpa of national banks. Old and tired.

Yes multiple cids are there in hdfc

Try upgrading after tomorrow 8:30am.
Maybe offer just generated so after there first refresh time

 

[Sobirvs]

Yes multiple cids are there in hdfc

Try upgrading after tomorrow 8:30am.
Maybe offer just generated so after there first refresh time

I called CC, they told me they placed a request and gave me a service req. no. too. Even he was facing some problem and called it "Server downtime".

They said I'll get regalia gold within 7-10 days, but I haven't gotten any sms/email yet abt this lol. They asked for IVR OTP(not to be given directly but pin it myself via keypad)

I kinda feel this request might get declined coz my cid issue is deeply troubling with hdfc's core system haha let's see. If it works, I just got upgraded to the cursed card, yay!

 

[aniketkr.sharma]

I called CC, they told me they placed a request and gave me a service req. no. too. Even he was facing some problem and called it "Server downtime".

They said I'll get regalia gold within 7-10 days, but I haven't gotten any sms/email yet abt this lol. They asked for IVR OTP(not to be given directly but pin it myself via keypad)

I kinda feel this request might get declined coz my cid issue is deeply troubling with hdfc's core system haha let's see. If it works, I just got upgraded to the cursed card, yay!

You will get the card don't worry

 

[magnusfan]

I checked my credit limit after reading this thread, and I noticed something odd. My Infinia limit is showing as 20L, while my Tata Neu limit is only 10L. I haven’t received any notification about any changes in my limit in the past few days. Can you help me figure out what’s going on? I believe 20L is what I recall should be the correct one

 

[aniketkr.sharma]

I checked my credit limit after reading this thread, and I noticed something odd. My Infinia limit is showing as 20L, while my Tata Neu limit is only 10L. I haven’t received any notification about any changes in my limit in the past few days. Can you help me figure out what’s going on? I believe 20L is what I recall should be the correct one

There system is totally mess, I too had same scenario and on 17th January with there system update tata neu infinity limit overlaps on my regalia gold and they are making excuses till now, no resolution fxck hdfc grievance pno all


Closed my tata neu infinity on 19th feb

 

[pranjal1984]

There system is totally mess, I too had same scenario and on 17th January with there system update tata neu infinity limit overlaps on my regalia gold and they are making excuses till now, no resolution fxck hdfc grievance pno all


Closed my tata neu infinity on 19th feb

They issued Neu Infinity as floater card for me. It is sharing the same limit as my Regalia Gold.

 

[aniketkr.sharma]

They issued Neu Infinity as floater card for me. It is sharing the same limit as my Regalia Gold.

Yeah it was but after 8 months there system did some messing up

 

[sidpsidp is verified member.]

May be mil which is considered less premium compared to regalia has a threshold internally that this card can go maxx this limit, and regalia is 3x of that? idk, it's all in my head.

There is no such cl cap for card variant in hdfc. But it has base limit.

So most likely your cl will be >3L. In rare cases, hdfc issue card with less than stated base limit. E.g. People have infinnia with 5L cl, and millenia with 10-15k cl.

 

[Sobirvs]

You will get the card don't worry

There is no such cl cap for card variant in hdfc. But it has base limit.

So most likely your cl will be >3L. In rare cases, hdfc issue card with less than stated base limit. E.g. People have infinnia with 5L cl, and millenia with 10-15k cl.

Mine's 3.45L.

Btw it seems I have been upgraded, regalia gold shows in mycard but I can't activate it till I know last 4 digits of the card which I can't till I get delivery.

I am still not sure what to do with regalia gold, as my ultimate aim is infinia only. taking this would mean waiting easily 6 months before any upgrade and no clue about CL increase when that will happen.

Also since regalia gold shows up in mycards, I can't seem to be able to make mil payment via bbps, when I try, it says wrong/incorrect details with my ph no and last 4 digits. Something is up here. Whenever we upgrade, does that mean we lose the option to make payments on earlier card even though that card is active and hasn't been replaced by the upgraded card yet?

I am thinking of may be sitting on regalia gold for like 30 days and see if I can get it converted to LTF or pressure HDFC into giving me more limit or may be perhaps infinia/DCB(i know won't ever happen, just says).

 

[sidpsidp is verified member.]

I have however heard once upgraded to regalia, CL increased will stop atleast for a year or so.. True?

if you are sharing income details at the time of upgrade, then mostly you won't receive any auto/manual cl for next 6m.