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HDFC Regalia (Beware before you apply)

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chnleo

chnleo

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A year back I had decided to apply for a HDFC credit card mainly for claiming cashbacks on apple and Samsung products. I am self employed and investor. I was told that a savings ac will make things easier. Visited a nearby branch. I was frustrated to see money pulling vultures in the bank. Bank officials were more into trapping then providing facilities! Finally I was told to produce my ITR. That was my first mistake! Due to covid my earnings were average. Finally I was given a regalia business card with 3L limit! I have cards from Citi, axis, Scapia forex cc and ICICI with limits of 10L and 7L for ICICI Amazon.

I was promised that there will LE every six months. I spent nearly 4L in the first year and I was given 15k points for achieving the milestone. I was given a LE of just 90k and it's more then 2 yrs and no LE after that. I sent many mails to hdfc cards section and tried shifting my branch. Nothing worked and what response I got from hdfc is that it seems the hdfc declared that my earning capacity is very less and my fate is sealed at 3.9L on card and will never get a LE in future!

I have seen people getting hdfc card with good limits. My child hood friend who is much less then me got cc with 8L and after 2 yrs got Infinia card with16L. He never gave his earning details. We both applied at the same time but different branches!!!

My advice, never apply with ITR. Instead try any method by hook or crook! Sometimes truth never prevails.
 
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chnleo said:
A year back I had decided to apply for a HDFC credit card mainly for claiming cashbacks on apple and Samsung products. I am self employed and investor. I was told that a savings ac will make things easier. Visited a nearby branch. I was frustrated to see money pulling vultures in the bank. Bank officials were more into trapping then providing facilities! Finally I was told to produce my ITR. That was my first mistake! Due to covid my earnings were average. Finally I was given a regalia business card with 3L limit! I have cards from Citi, axis, Scapia forex cc and ICICI with limits of 10L and 7L for ICICI Amazon.

I was promised that there will LE every six months. I spent nearly 4L in the first year and I was given 15k points for achieving the milestone. I was given a LE of just 90k and it's more then 2 yrs and no LE after that. I sent many mails to hdfc cards section and tried shifting my branch. Nothing worked and what response I got from hdfc is that it seems the hdfc declared that my earning capacity is very less and my fate is sealed at 3.9L on card and will never get a LE in future!

I have seen people getting hdfc card with good limits. My child hood friend who is much less then me got cc with 8L and after 2 yrs got Infinia card with16L. He never gave his earning details. We both applied at the same time but different branches!!!

My advice, never apply with ITR. Instead try any method by hook or crook! Sometimes truth never prevails.
Click to expand...
Hey brother, try updating your income details in netbanking profile.

Do it frequently, every 2-3 days.

Hopefully you'll get Limit Enhancement.

Good luck 🤞.
 
chnleo said:
A year back I had decided to apply for a HDFC credit card mainly for claiming cashbacks on apple and Samsung products. I am self employed and investor. I was told that a savings ac will make things easier. Visited a nearby branch. I was frustrated to see money pulling vultures in the bank. Bank officials were more into trapping then providing facilities! Finally I was told to produce my ITR. That was my first mistake! Due to covid my earnings were average. Finally I was given a regalia business card with 3L limit! I have cards from Citi, axis, Scapia forex cc and ICICI with limits of 10L and 7L for ICICI Amazon.

I was promised that there will LE every six months. I spent nearly 4L in the first year and I was given 15k points for achieving the milestone. I was given a LE of just 90k and it's more then 2 yrs and no LE after that. I sent many mails to hdfc cards section and tried shifting my branch. Nothing worked and what response I got from hdfc is that it seems the hdfc declared that my earning capacity is very less and my fate is sealed at 3.9L on card and will never get a LE in future!

I have seen people getting hdfc card with good limits. My child hood friend who is much less then me got cc with 8L and after 2 yrs got Infinia card with16L. He never gave his earning details. We both applied at the same time but different branches!!!

My advice, never apply with ITR. Instead try any method by hook or crook! Sometimes truth never prevails.
Click to expand...
Can you pls help and tell how did your friend go about his application or his credit card journey.
I am about to start my credit card journey and input from your friend's journey will be really helpful.
Hope I'll also get infinia someday.
 
mehuljain said:
Can you pls help and tell how did your friend go about his application or his credit card journey.
I am about to start my credit card journey and input from your friend's journey will be really helpful.
Hope I'll also get infinia someday.
Click to expand...
First thing, go to your branch and try to tie up with branch manager by giving some false promises of fds, policies, new ac references incase they offer you a good card. Refuse card via ITR incase your earning is less then 12Lpa. Ask for C2C incase you have good limit from top banks. If u have 10L on axis cc then they will offer you 50% of the limit. NEVER take anything less then 8L on a hdfc card. Anything less then you will be rooted for ever. 8L above is your gateway to Infinia metal card in 6 months. Hope you understood.
 
chnleo said:
First thing, go to your branch and try to tie up with branch manager by giving some false promises of fds, policies, new ac references incase they offer you a good card. Refuse card via ITR incase your earning is less then 12Lpa. Ask for C2C incase you have good limit from top banks. If u have 10L on axis cc then they will offer you 50% of the limit. NEVER take anything less then 8L on a hdfc card. Anything less then you will be rooted for ever. 8L above is your gateway to Infinia metal card in 6 months. Hope you understood.
Click to expand...
i have icici card but i heard its not good for c2c
 
For manual LE. They need Self Attested documents like I need to print, sign and then scan and email them back.
Not just bank statement+ salary slip. They need a letter of request . I'm like WTF!
 
aayusharyan said:
For manual LE. They need Self Attested documents like I need to print, sign and then scan and email them back.
Not just bank statement+ salary slip. They need a letter of request . I'm like WTF!
Click to expand...
Yup! For almost all banks this is how manual LE works, confirmed by IDFC as well
 
ArpanOP said:
Yup! For almost all banks this is how manual LE works, confirmed by IDFC as well
Click to expand...
Yes, banks ask for 3 months salary slip and bank statement. But our dear HDKFC wants them in self attested form along with a signed letter additionally over email.
 
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