HDFC Upgrades

[aintshocked]

Here is my rant with HDFC and HDFC Cards.

Got my first credit card on 14/12/2019 through HDFC based on SB account transactions, it was a MoneyBack card with the limit of ₹50,000, was using it regularly and paying the bill in full.

Decided to apply for IndiGo 6E rewards cards, which was upgraded from the MoneyBack Card with the same limit. Was using the card until July 2022, missing out on lot of offers due to the low limit offered by HDFC Bank.

Then I had to approach the BM asking for a card and limit upgrade who connected me with AVP of Credit Section, applied offline with income documents and previous 3 month statement of ICICI bank with a limit of ₹ 2.9L, after numerous follow ups and heated arguments about closing my relationship with HDFC, at the time holing SB,CA, and Credit Card while HDFC was my primary banking. Applied for Regalia and got Millennia with a limit of ₹ 1L on 25/08/2022 without a CIBIL hit, again using the card and paying it off completely.

Currently my account status in Preferred status, while holding 1 Speciale Gold SB, 1 Regular SB, 1 Ascent CA, and Millennia Credit Card. The account balance is maintained around ₹ 3L across the SB accounts, but I'm not getting any limit enhancement or any card upgrades, the BM nor the branch is not supportive as such.
Getting offers for Car Loan, Two Wheeler Loan and Loan Against Property which is not required.

Is there any alternate approach to get a limit increase and card upgrade without income documents?
Or should I close my relationship and move my banking to Axis where I have Burgundy Account?

 

[kochiro]

Having any account status means nothing in HDFC , only NRV and Income docs matters. You can try physically mailing docs to Chennai with other bank card statement with good limit. They consider it sometimes .

 

[Chaitanya-a]

Here is my rant with HDFC and HDFC Cards.

Got my first credit card on 14/12/2019 through HDFC based on SB account transactions, it was a MoneyBack card with the limit of ₹50,000, was using it regularly and paying the bill in full.

Decided to apply for IndiGo 6E rewards cards, which was upgraded from the MoneyBack Card with the same limit. Was using the card until July 2022, missing out on lot of offers due to the low limit offered by HDFC Bank.

Then I had to approach the BM asking for a card and limit upgrade who connected me with AVP of Credit Section, applied offline with income documents and previous 3 month statement of ICICI bank with a limit of ₹ 2.9L, after numerous follow ups and heated arguments about closing my relationship with HDFC, at the time holing SB,CA, and Credit Card while HDFC was my primary banking. Applied for Regalia and got Millennia with a limit of ₹ 1L on 25/08/2022 without a CIBIL hit, again using the card and paying it off completely.

Currently my account status in Preferred status, while holding 1 Speciale Gold SB, 1 Regular SB, 1 Ascent CA, and Millennia Credit Card. The account balance is maintained around ₹ 3L across the SB accounts, but I'm not getting any limit enhancement or any card upgrades, the BM nor the branch is not supportive as such.
Getting offers for Car Loan, Two Wheeler Loan and Loan Against Property which is not required.

Is there any alternate approach to get a limit increase and card upgrade without income documents?
Or should I close my relationship and move my banking to Axis where I have Burgundy Account?

Better move to Axis Burgundy. HDFC don't value their loyal customers.
Been there in your situation and at last shifted to IDFC Bank Select program.

 

[aintshocked]

Having any account status means nothing in HDFC , only NRV and Income docs matters. You can try physically mailing docs to Chennai with other bank card statement with good limit. They consider it sometimes .

I was looking for investment options and I was ready to open a FD in HDFC, also ULIP's. But didn't help.

 

[aintshocked]

Better move to Axis Burgundy. HDFC don't value their loyal customers.
Been there in your situation and at last shifted to IDFC Bank Select program.

TBH been thinking about this for the past 3 months, currently having Burgundy SB and Axis Bank Reserve Credit Card.

 

[Alex292929]

Better move to Axis Burgundy. HDFC don't value their loyal customers.
Been there in your situation and at last shifted to IDFC Bank Select program.

what's the mab for axis burgundy?

 

[kochiro]

I was looking for investment options and I was ready to open a FD in HDFC, also ULIP's. But didn't help.

Avoid ULIP

 

[Rocky Bhai]

Having any account status means nothing in HDFC , only NRV and Income docs matters. You can try physically mailing docs to Chennai with other bank card statement with good limit. They consider it sometimes .

Does Having hdfc life sanchay plus policy count in NRV?

 

[kochiro]

Does Having hdfc life sanchay plus policy count in NRV?

I think they prefer to keep policies department seperate than banking like a seperate entity. ICICI too.

 

[ak95]

HDFC is really lazy when it comes to “customer requested” upgrade/LE.
I am one of those people who have 2 core cards, got Diners Rewardz in 2017 and Regalia First in 2018, both had almost same limit during card issuance.

My Diners gets automatic LE and upgrade offers every year, eventually got upgraded from Rewardz to Millenia to DCP to DCB.

Meanwhile, my Regalia First hasn’t got even a single LE or upgrade offer in the last 5 years.

My Diners Black’s Limit is 7 times than that of Regalia First. Whenever I ask for LE on my Regalia, they ask for Salary Slip and then decline the request saying that I am not eligible for LE due to income criteria.
2 months back I somehow managed to convince them to merge the Limits of both cards otherwise Regalia First was pretty much useless due to very low Limit.

 

[jainsuk]

TBH been thinking about this for the past 3 months, currently having Burgundy SB and Axis Bank Reserve Credit Card.

Have already done that. Even as Imperia customer HDFC didn't give a hoot!

 

[Alex292929]

I am currently having preferred ac, what are other alternatives of preferred assuming I can maintain upto 5 lacs MAB?

 

[Chaitanya-a]

I am currently having preferred ac, what are other alternatives of preferred assuming I can maintain upto 5 lacs MAB?

Axis Priority (2L MAB) or IDFC Select (3L MAB)

 

[Chaitanya-a]

I have seen many HDFC customers who had a HDFC Regalia First credit card with no auto card upgrades or credit limit enhancements for several years (myself included).... Something is wrong with this HDFC Regalia First credit card variant as it cannot be a coincidence each time....

Even Moneyback users don't get upgrade. It is very difficult to get upgrade from Moneyback.

 

[kochiro]

Even Moneyback users don't get upgrade. It is very difficult to get upgrade from Moneyback.

is it same for moneyback plus?

 

[pprakash11]

Even Moneyback users don't get upgrade. It is very difficult to get upgrade from Moneyback.

meanwhile, IOCL ones crying in corner.

 

[Chaitanya-a]

is it same for moneyback plus?

Haven't seen their case yet as its considerably new variant.
But HDFC isn't very excited to upgrade your card unlike other CC issuers.

 

[Chaitanya-a]

meanwhile, IOCL ones crying in corner.

Grievance walo ko mail likho bhai. Possibility h

 

[pprakash11]

Grievance walo ko mail likho bhai. Possibility h

grievance walo ko likha, first response denied, reconsideration ke liye fir se bheja. reply "escalations" se aaya, wait for 10 days, 11th day reply aaya, fill upgrade form and send, 11th day reverted what they asked, 12th day response aaya wait for 7 days more. This is HDFC.

 

[Chaitanya-a]

grievance walo ko likha, first response denied, reconsideration ke liye fir se bheja. reply "escalations" se aaya, wait for 10 days, 11th day reply aaya, fill upgrade form and send, 11th day reverted what they asked, 12th day response aaya wait for 7 days more. This is HDFC.

Itne k baad to man hi ni krta aage kuch likhne ka