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

 

[niranjan0]

Me with 50K limit for the past 2 years and no LE 🤡🤡

 

[agd19682]

Same question for me too, can anyone please confirm you got LE even with existing co branding ones. HDFC didn't give me any LE after I started taking cobranded cards(personal experience). If that's the case, I'll just close all and keep only one core card.

I hold a LTF Millennia since 2022 and a Tata Neu Infinia from Mar 2024. Yesterday I was offered a LE of Rs 49000.

 

[mdfahim82]

ppl who got limit increase do u all have 1 single card or multiple cards like the cobranded ones too???

I hold regalia gold along with Tata neu infinity and swiggy. All LTF. Got 47% limit increase offer on regalia gold. Next day other cards limits also got changed to regalia gold limit. As these are shared limit card

 

[D₹V]

I hold regalia gold along with Tata neu infinity and swiggy. All LTF. Got 47% limit increase offer on regalia gold. Next day other cards limits also got changed to regalia gold limit. As these are shared limit card

Your usage was zero in few cards? Or too less?

 

[RDR]

ppl who got limit increase do u all have 1 single card or multiple cards like the cobranded ones too???

I have Swiggy card as well and I did get a decent LE. Only HDFC knows the criteria 😄

 

[cardio_guy]

I hold regalia gold along with Tata neu infinity and swiggy. All LTF. Got 47% limit increase offer on regalia gold. Next day other cards limits also got changed to regalia gold limit. As these are shared limit card

Good to know. Some questions - I am also in the same path, so asking. I have Swiggy and Neu infinity LTF, looking for Regalia Gold LTF now.

1. Do you have bank account with HDFC, or only credit cards?
2. What exactly is the use of Regalia gold? Apart from Lounge access, what is the best use for you? (I know people say that it is a stepping stone to DCB/Infinia, but other than that, is it really rewarding?)

 

[drsel]

Good to know. Some questions - I am also in the same path, so asking. I have Swiggy and Neu infinity LTF, looking for Regalia Gold LTF now.

1. Do you have bank account with HDFC, or only credit cards?
2. What exactly is the use of Regalia gold? Apart from Lounge access, what is the best use for you? (I know people say that it is a stepping stone to DCB/Infinia, but other than that, is it really rewarding?)

Not really
Take it only if it is lifetime free
Special offer going on from 17 December lifetime free Diners Privilege and Regalia Gold

 

[cardio_guy]

Not really
Take it only if it is lifetime free
Special offer going on from 17 December lifetime free Diners Privilege and Regalia Gold

Thanks.
Yes, I am trying for that. But I see the default error page - "You recently applied for a card, cannot proceed now".
I am writing to customer care to see if this can be fixed.

 

[CyberPsych]

Day before yesterday, I received LE offer through whatsapp. Got 10% increase from 2.0L to 2.2L.
(I have Millenia and Tata Neu Infinity cards.)

 

[drsel]

Thanks.
Yes, I am trying for that. But I see the default error page - "You recently applied for a card, cannot proceed now".
I am writing to customer care to see if this can be fixed.

If you got a card within the last six months you will not get it
there is a cool off period

 

[cardio_guy]

I would assume he is getting such returns using milestones. Milestones change the return rate a lot in one go. Example I have DCB Metal, I get 3.33% on normal spends, 10% on vouchers, 16.67% on flights and 33.33% on hotels. Now average could be around 6% depending on how much you spent on which category. But as soon as I hit 4L milestone, I get 10K extra points which is 2.5% extra over and above 6% (assumption) making this 8.5%.
American Express have even better milestones and they provide huge jump in returns.

Yes, you are right milestone rewards helps in jacking up the returns. But he was specifically saying about 8% ish returns on lifetime free cards.
Even for the HDFC Swiggy card, if we spend 50k in one quarter they give 500 rs amazon voucher - that is straight 1% additional benefit on top of that we get. (In that case HDFC IRCTC is the best - 30k quarterly spend and we get 500 rs voucher)
But overall I was saying my spends on lesser % cashback category was more. I am looking at ways in which I can improve this. My overall rewards in the cashback cards have been less than 3%.

 

[CyberPsych]

You recently applied for a card, cannot proceed now".

I think you need to wait for 3 months after getting a new card?

 

[sunit123]

ppl who got limit increase do u all have 1 single card or multiple cards like the cobranded ones too???

My wife has regalia gold and swiggy HDFC. She received LE...It's a myth that with co branded card you cannot get LE.

 

[CyberPsych]

My wife has regalia gold and swiggy HDFC. She received LE...It's a myth that with co branded card you cannot get LE.

I too received LE with Millenia and Tata Neu Infinity

 

[sunit123]

How is this doable? I mean even after having cards with 10% cashback, I am only able to see 2-3% real returns because many spends are in the 1% category like offline card swipes and excluded categories.
I am looking at ways in which I can improve the return % on cashback LTF cards (like Swiggy and Neu Infinity) Otherwise I am thinking of moving to reward point based cards.
The limitation of cashback card is that we may not always use the card for the best category. Thinking of ways in which I can improve the returns.

One way is use one card only for that specific category where it gives the maximum cashback. But this maynot work always. (I will test it though)

Bro...I take advantage of card offers....You have choice either spend all money through shitty paid infinia or collect all the cards which provide offers....

I created a list of banks/cards, on which offers are permanent...I collected most of them....

For example, for grocery, i order from Amazon Fresh, Blinkit and Swiggy....I have amazon pay and my wife has swiggy hdfc....I also have kotak, ICICI, IDFC and Indusind....With these 4 cards you will always find 10% offer on Blinkit/Swiggy....

If you stick to swiggy, they will offer 10% additional discount on order above 500 Rs everytime...

So if i use shitty paid infinia, i will only get 3-4% but with LTF cards, i am getting more than 10% return on grocery.....

Gradually My 90% spend are now online and on which i get around 8% on an average.....For offline, i buy GV with 5-6% discount....

My fuel expense is negligible as i work from home...I get 2% on utility bills from amazon pay..

So if i calculate on gross basis, my return is around 7-8%

 

[cardio_guy]

So if i calculate on gross basis, my return is around 7-8%

Super. I have been trying to improve my cashback return % on these LTF cards. I have ICICI Amazon Pay, HDFC Swiggy and Neu Infinity. Trying to make best use of them. But many times, I use these cards on offline miscellaneous shops and other places where I just get 1%. Last 2 months i am trying to track the cashbacks. Will see to improve the returns. Thanks.

 

[sunit123]

No offence but I was of the same opinion till last year…but upon stumbling on TF community & delving deeper…I realised how much I’ve lost by sticking to LTF only cards !!!

Again bhai..no offence....You cannot expect fair advice from those who are selling cards through affiliate link...Advice will be biased....Do your own calculation, do not listen to anyone....Your opinion will change that you were right earlier.

 

[vadixit]

Bro...I take advantage of card offers....You have choice either spend all money through shitty paid infinia or collect all the cards which provide offers....

I created a list of banks/cards, on which offers are permanent...I collected most of them....

For example, for grocery, i order from Amazon Fresh, Blinkit and Swiggy....I have amazon pay and my wife has swiggy hdfc....I also have kotak, ICICI, IDFC and Indusind....With these 4 cards you will always find 10% offer on Blinkit/Swiggy....

If you stick to swiggy, they will offer 10% additional discount on order above 500 Rs everytime...

So if i use shitty paid infinia, i will only get 3-4% but with LTF cards, i am getting more than 10% return on grocery.....

Gradually My 90% spend are now online and on which i get around 8% on an average.....For offline, i buy GV with 5-6% discount....

My fuel expense is negligible as i work from home...I get 2% on utility bills from amazon pay..

So if i calculate on gross basis, my return is around 7-8%

Though you may like LTF cards and peace of mind is more important than rewards but I dont agree with your calculations.
You provided example of Swiggy. With Infinia, you can buy it's coupan using GYTR with 16.67% rewards. Thought it is valued 1 rupee but people value it 90 paise or even 85 paise. Even with conservative value, if you can consume points with flights, packages or tanishq, Infinia would provide better value. Exact amount would differ based on other expences but in Swiggy, it would provide better returns.

 

[kvndsz512]

My wife has regalia gold and swiggy HDFC. She received LE...It's a myth that with co branded card you cannot get LE.

earlier it was not happening so just wanted to make sure if it started for multiple cc holders also or not

 

[girish3456]

My millennia with 6-8 L spends per year in past 2 years. Given me babaji ka thullu.

Mailed them for increase with all documents. Then they gave me this mindblogging increase of 16000 rupees from 1.44 to 1.6L.

It is what it is.

Am with same limit (9,09,000) on DCB plastic LTF from last 4 yrs