How to apply for Credit card upgrade

[ckabeer]

I have a HDFC Moneyback card with 1.2L as limit. That card is basically useless in terms of everything one would want from a credit card.
My monthly takeaway is 80K. Can I apply for Regalia or Diners Club Black Privilege? Which card would be gettable hassle free?

 

[Taicu819]

I have a HDFC Moneyback card with 1.2L as limit. That card is basically useless in terms of everything one would want from a credit card.
My monthly takeaway is 80K. Can I apply for Regalia or Diners Club Black Privilege? Which card would be gettable hassle free?

Regalia require 1 lakh per month according yo my branch. And DCP require 75k. So go for DCP.

 

[ckabeer]

Regalia require 1 lakh per month according yo my branch. And DCP require 75k. So go for DCP.

DCP is good right? Or should I go for any other card?

 

[RiddhiDeopura]

I have a HDFC Moneyback card with 1.2L as limit. That card is basically useless in terms of everything one would want from a credit card.
My monthly takeaway is 80K. Can I apply for Regalia or Diners Club Black Privilege? Which card would be gettable hassle free?

You should ask your RM, the 1Lakh per month eligibility factor is not as important as they make it out to be. Maybe you'll be applicable for an upgrade if you have a good relationship with the bank.

 

[RiddhiDeopura]

DCP is good right? Or should I go for any other card?

What kind of purchases/spends do you do? That will help people determine the right card for you.

 

[ckabeer]

What kind of purchases/spends do you do? That will help people determine the right card for you.

Online shopping? Travel? basic things one would expect from a Credit card. Is DCP good for rewards points?

 

[ckabeer]

You should ask your RM, the 1Lakh per month eligibility factor is not as important as they make it out to be. Maybe you'll be applicable for an upgrade if you have a good relationship with the bank.

Thank you! Any idea on how to check who would be RM for one?

 

[RiddhiDeopura]

Online shopping? Travel? basic things one would expect from a Credit card. Is DCP good for rewards points?

HDFC Diners Club Privilege Credit Card Review – CardExpert

www.cardexpert.in

HDFC Bank Regalia Credit Card Review (2022) – CardExpert

www.cardexpert.in

Reading these articles out would help you out a lot in figuring out the reward systems.

 

[RiddhiDeopura]

Do you have a Savings account with them?

 

[ckabeer]

Do you have a Savings account with them?

Yes. I have been with HDFC since last 4 years.

 

[RiddhiDeopura]

Yes. I have been with HDFC since last 4 years.

Yeah then in your HDFC App you'll find an option to Request a call back from your Relationship Manager. It should be the 2nd or 3rd option in the sidebar menu.