HDFC not upgrading the credit card

[gibberish]

Hi all,
I am new member on this Credit Card Forum and have seen a lot of discussions on hdfc cards but never got a proper solution to my problem.
I have HDFC Regalia First since 2018 which was verbally told me is LTF but I never got to test the theory as my transactions would meet the criteria each year. However, this year I have not used my card much, major reason being overall devaluation. Initial Limit was 3L which has now upgraded to 7L (got a mail to increase limit, not sure how it was offered by the Bank as I never really bothered about it).
I have recently got Axis Select (LTF,6L) and SBI Cashback(non-LTF, 3L) to better suit my lifestyle and also improve my decreasing CIBIL score.

I asked for a LTF upgrade of my HDFC Regalia First from Priority Redressal & Pno but they are just giving me FYF Millenia.
I even described my 8+ year long relationship with bank with a salary account as well, but no luck.
My RM is also saying that he cannot do anything for the credit card upgrade and it will be paid.
Since, now I have Select and CB, I don't think I will be able to meet hdfc criteria each year with my spends, so that's why I want it LTF.
Can anyone suggest what can I do further?
I do not want to completely close my HDFC CC as sometimes there are offers on Samsung, croma, Amazon etc for this card.

I think that I don't need Regalia Gold as I am not a frequent traveller but won't mind having an option handy whenever required. I am eyeing Diners Club privilege as it seems to give same RP as Gold but BOGO on BMS and other offers seems better to me.
Another question, will insurance premium payments on DCP yield any reward points? And these HDFC offers bannered on Samsung, Amazon etc. websites, are these offers applicable on DCP card?

Thanks in advance.

 

[D₹V]

Hi all,
I am new member on this Credit Card Forum and have seen a lot of discussions on hdfc cards but never got a proper solution to my problem.
I have HDFC Regalia First since 2018 which was verbally told me is LTF but I never got to test the theory as my transactions would meet the criteria each year. However, this year I have not used my card much, major reason being overall devaluation. Initial Limit was 3L which has now upgraded to 7L (got a mail to increase limit, not sure how it was offered by the Bank as I never really bothered about it).
I have recently got Axis Select (LTF,6L) and SBI Cashback(non-LTF, 3L) to better suit my lifestyle and also improve my decreasing CIBIL score.

I asked for a LTF upgrade of my HDFC Regalia First from Priority Redressal & Pno but they are just giving me FYF Millenia.
I even described my 8+ year long relationship with bank with a salary account as well, but no luck.
My RM is also saying that he cannot do anything for the credit card upgrade and it will be paid.
Since, now I have Select and CB, I don't think I will be able to meet hdfc criteria each year with my spends, so that's why I want it LTF.
Can anyone suggest what can I do further?
I do not want to completely close my HDFC CC as sometimes there are offers on Samsung, croma, Amazon etc for this card.

I think that I don't need Regalia Gold as I am not a frequent traveller but won't mind having an option handy whenever required. I am eyeing Diners Club privilege as it seems to give same RP as Gold but BOGO on BMS and other offers seems better to me.
Another question, will insurance premium payments on DCP yield any reward points? And these HDFC offers bannered on Samsung, Amazon etc. websites, are these offers applicable on DCP card?

Thanks in advance.

You have good limit for upgrade to DCB but upgrades are never LTF in HDFC.

They'll offer LTF upgrade only in rare of the rare case.

If they're not upgrading. Just ask them to convert regalia card to LTF.

It's easier, once LTF. You can pursue upgrade story later.

 

[dravidsarang]

Uograde will be FYF only. That is the usual practise with HDFC.
Rather you can request your existing card get converted to LTF

 

[msd07]

How did u get Axis select CC as LTF?

 

[gibberish]

How did u get Axis select CC as LTF?

I have a Priority savings account with them and when I asked my RM for any normal CC (aim was to handle my decreasing CIBIL score with having a normal credit card like myzone), they had some offer going on and said I can get Select as LTF.

 

[gibberish]

++ Following up
I will no longer ask for cc upgrade but what if hdfc does not confirm/make my Regalia first LTF, shall i go ahead for card closure?
Will the retention team entertain my requests?
If this regalia first is paid, i would definitely close it. I just want to keep it for website offers only if it is LTF.

 

[D₹V]

++ Following up
I will no longer ask for cc upgrade but what if hdfc does not confirm/make my Regalia first LTF, shall i go ahead for card closure?
Will the retention team entertain my requests?
If this regalia first is paid, i would definitely close it. I just want to keep it for website offers only if it is LTF.

They'll make it, you just request over email.

Retention team won't offer anything.

 

[gibberish]

Having said above we are unable to accede with your card upgrade request to premium credit cards at this point of time.

Our Bank’s stand has been communicated distinctly and this response may be treated as final. We also wish to inform you that any further communication from yourself would not elicit a response from us. In light of this we request you to accept the decision in good faith.


This is the part of response I got from HDFC for my appeal for cc upgrade.
I don’t think they will even consider my request to make current regalia first LTF.

What should I do now?

 

[dhruvks]

This is the part of response I got from HDFC for my appeal for cc upgrade.
I don’t think they will even consider my request to make current regalia first LTF.

What should I do now?

There is no loss in trying

 

[imkotian]

I have been getting Regalia Gold upgrade with FYF for my current LTF Millenia , even after multiple requests in branch and RM, they don't provide LTF for Regalia.

 

[iM23]

You have good limit for upgrade to DCB but upgrades are never LTF in HDFC.

They'll offer LTF upgrade only in rare of the rare case.

If they're not upgrading. Just ask them to convert regalia card to LTF.

It's easier, once LTF. You can pursue upgrade story later.

I have LTF Business Moneyback credit card which is of basically no use to me as I have other better cards and Flipkart and Amazon don't accept that.

I want to upgrade it to a core card that is not a business card. Which card should I apply for so that there might be a chance I can get it LTF again? I just want an HDFC card for sales. Will Moneyback+ be a good option?

 

[coolguy1]

DCB and Infinia, neither of the cards have been offered LTF lately.

You already have the Regalia which is LTF, DCP might be an interesting card but again getting an LTF would requires some sort of negotiation/request with the RM or the BM if you know any.

With the number people interesting in getting the DCB and Infinia cards, the bank has tightened themselves up a little bit and until and unless you're doing crores of business with the bank, it will be hard to get either of them LTF.