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HDFC Regalia to DCB Upgrade

  • Thread starter Thread starter Sandy Singh
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Sandy Singh

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Hi, I have a Visa Regalia LTF with 6.6L limit and I am getting DCB upgrade offer on app with 10k annual fees.
I wanted to ask the community if the upgrade is worth it now after DCB devaluation? Or should wait and ask for limit enhancement and Infinia upgrade?
Also can I get DCB LTF if I am not from the premium institutes?
 
Hi, I have a Visa Regalia LTF with 6.6L limit and I am getting DCB upgrade offer on app with 10k annual fees.
I wanted to ask the community if the upgrade is worth it now after DCB devaluation? Or should wait and ask for limit enhancement and Infinia upgrade?
Also can I get DCB LTF if I am not from the premium institutes?
+1 Same question. I got FYF offer and requested for upgrade. Once you upgrade they will check for Infinia upgrade after 6 months.
 
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I have ltf Millenia card and have been offered Diners club black card as first year free. Is it worth to upgrade it and will be able to downgrade back to LTF millenia cc later?
 
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I've a LTF Regalia with 13L limit, I'm holding it since maybe 7-10 yrs, do not really remember. I had received an LTF upgrade to DCB many year back, I had passed on that offer then. Have received FYF upgrade to DCB again, I'm wondering if it's really worth to switch from LTF to FYF.

I have other cards as well, like Amazon ICICI, Zomato RBL Classic, Citibank cashback (Very old card - around 20 yrs, they have never upgraded). My major spending is on HDFC, and all Amazon purchases goes with ICICI card, rest I hardly use.

Another query I have is, the 5L spending (to make the card free next year) is on the anniversary cycle of the card or financial year ?
 
I've a LTF Regalia with 13L limit, I'm holding it since maybe 7-10 yrs, do not really remember. I had received an LTF upgrade to DCB many year back, I had passed on that offer then. Have received FYF upgrade to DCB again, I'm wondering if it's really worth to switch from LTF to FYF.

I have other cards as well, like Amazon ICICI, Zomato RBL Classic, Citibank cashback (Very old card - around 20 yrs, they have never upgraded). My major spending is on HDFC, and all Amazon purchases goes with ICICI card, rest I hardly use.

Another query I have is, the 5L spending (to make the card free next year) is on the anniversary cycle of the card or financial year ?
Anniversary cycle as far as I know. Also if you have 13L limit on Regalia, you should ask upgrade to Infinia, I think they should do it. Inifinia is still a great card after all the devaluation.
 
I had asked for Infinia upgrade few months back which they declined. Looks like my upgrade path only goes via DCB. But letting go of LTF worth it ? It will add to my task of keeping track of my annual spending on the card to make sure I do not land up paying annual fee.

Also have Axis Select in the family, which we generally use on bigbasket for 20% discount.
 
I also received FYF upgrade offer to DCB from Regalia LTF. I decided not to upgrade due to limited offline acceptance, high fee without any reward points and DCB was offered as LTF to many previously. I would have happily taken it if was offered as LTF. Only major benefit I see is the unlimited lounge access but since I only travel occasionally, other cards are more than sufficient for this.

Also, since I have >5L limit in Regalia, at any point in time I can ask for an upgrade.
 
>5L limit on Regalia is the key for getting DCB upgrade offers. I qualify for DCB upgrade from Regalia from the income criteria but HDFC isn’t increasing my limit beyond 3.45 lakh & hence rejecting my upgrade request:/
 
I also received FYF upgrade offer to DCB from Regalia LTF. I decided not to upgrade due to limited offline acceptance, high fee without any reward points and DCB was offered as LTF to many previously. I would have happily taken it if was offered as LTF. Only major benefit I see is the unlimited lounge access but since I only travel occasionally, other cards are more than sufficient for this.

Also, since I have >5L limit in Regalia, at any point in time I can ask for an upgrade.

I think thats a mis-conception that we can upgrade anytime. I got this offer of LTF maybe around 8-10 yrs back, I did not opt for it that time since I was never aware of the benefits that comes with credit cards and thus never used them. I even refused credit enhancements back then thinking it to be a risk.

Now that I'm aware of the benefits, and use them also, I've tried to get a upgrade to Infinia or DCB since last 2-3 yrs which they have rejected. Few months back they offered me Regalia business upgrade which was ridiculous. Now they are offering me FYF for DCB, and this got me thinking if I should avail it this time.
 
I have upgraded to DCB but also realised that I'm eligible for the LFT DCB card under their institute program. Any clue do they convert the existing DCB or do I need to close the current card?
The only advantage DCB has over magnus is the golf benefits which I have started using recently so its worth it for that reason for me.
 
I don't have Magnus right now, have Vistara Infinite card though. I don't know if I should apply for Magnus as I don't think I'll buy anything on Tata Cliq. Also 1 question, do you get reward points for 10k fees on DCB?
There is no reward points on paying annual /renewal fee but you will get membership like amazon prime , club marriot etc…
 
I have upgraded to DCB but also realised that I'm eligible for the LFT DCB card under their institute program. Any clue do they convert the existing DCB or do I need to close the current card?
The only advantage DCB has over magnus is the golf benefits which I have started using recently so its worth it for that reason for me.
You can mail them and ask for LTF under institute program, they'll probably ask for proof and approve your request.
 
I had asked for Infinia upgrade few months back which they declined. Looks like my upgrade path only goes via DCB. But letting go of LTF worth it ? It will add to my task of keeping track of my annual spending on the card to make sure I do not land up paying annual fee.

Also have Axis Select in the family, which we generally use on bigbasket for 20% discount.
If you have spent min 7 lacs in 6 month , you can ask for upgrade for hdfc card having limit more than 8 lacs … AFAIK
 
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