I have been using my LTF HDFC Millenia (limit 1.4L) for around 2.5 years now, with monthly spends of 15K–20K. Despite spending over 5L in the last year, I never received a limit enhancement. Today, I noticed that I have been offered a meagre LE of just ₹14K. Should I accept it or wait for a better offer? I am aiming to get my limit to at least ₹1.5L, which would make me eligible for cards like the Tata Neu Infinity and possibly Regalia Gold. I was ineligible for the last LTF offer on the Tata Neu Infinity because my limit was below ₹1.5L. Also, does Regalia Gold have a similar 1.5L eligibility criterion?