HDFC Millenia or DCP Floater?

[joell]

I currently hold the HDFC MB+, UPI Rupay, Tata Neu Plus RUpay & Swiggy (1.98L Limit). Spent over 2.5L on MB+ in last 8 months. I called RM today about an upgrade to Millenia or DCP. She said I'd have to send the form to Chennai offline but I don't have any income so that's a no-go.
But she said she could've issued Diners as a secondary card if I had spends of 1L in the last year but I already have a max of 4 cards. She asked if I wanted to close the UPI Rupay and wait 3 months and get DCP. Millenia upgrade has to come preapproved or salary statements are needed.
I could close the UPI card since I already have Neu, Coral and Federal Signet. But I'd have to wait 3 months. I'd take DCP along with Millenia if it came to that.

 

[Gau₹av]

Millenia to DCP : Nope
Millenia to RG: Only if LTF Pricing

And if one is lucky enough to have 2 HDFC core cards (very rare), then keep one on Millennia forever and upgrade other one to DCP -> RG -> DCB/DCB Metal -> Infinia/Infinia Metal. BizBlack also if self-employed 🤭

 

[NikhilG]

Millenia to DCP : Nope
Millenia to RG: Only if LTF Pricing

I sent them an email asking to upgrade to Rg, they reverted back asking to fill form credit card upgrade form and how much fee I'm willing to pay. Over email body they denied rg ltf upgrade.
My question is I already hold sbi cashback so don't use much. Maybe if I get dcp ltf now. After 3 months I will ask for dcb ltf

 

[NikhilG]

@its_karan Everything is possible in the world of credit cards😛