How to convert Regalia Gold to LTF

[maynigam]

Hello guys.
My card renewal is due next month (was FYF) and I would like to convert it to LTF or atleast downgrade the card to some other LTF card.
I have Swiggy LTF and Tata Neu Infinity FYF also.
I have minimal spends on these cards in past year. I am having a high NRV in form of saving bank account.
Whom should I contact to convert both these cards to LTF? Branch or via Email?
My RM is stupid and never calls me back when I have any query that is for my benefit. She only calle me for loan/investment etc.
Please suggest

 

[Akashn]

Try mailing to: Grievance.Redressalcc@hdfcbank.com

 

[nikhilk21]

Out of curiosity, what is the reason you want to downgrade? I'm planning to get Regalia Gold and considering the pros and cons

 

[maynigam]

Out of curiosity, what is the reason you want to downgrade? I'm planning to get Regalia Gold and considering the pros and cons

Much better cards out there. I don't find Regalia Gold rewarding at all for 2500. It's only good for priority pass.

 

[maynigam]

Try mailing to: Grievance.Redressalcc@hdfcbank.com

Should I try my luck with getting a DCB LTF or just ask for Regalia Gold LTF?

 

[Akashn]

Should I try my luck with getting a DCB LTF or just ask for Regalia Gold LTF?

That depends on their mood.

 

[NOOBY]

Should I try my luck with getting a DCB LTF or just ask for Regalia Gold LTF?

for DCB, they would need at least 6L (or 4/5L, not sure) spends in last 6 months.. and even then it would be FYF

For converting card to LTF, you need to have spends more than 50% of fee waiver (approx) within 6/7 months. Eg: People have spent 2L in 4/6 months from Millennia and then have asked for LTF conversion (as fee waiver is at 1L).

So, either spend everything via the card (upwards 12L) in around 1 year and then ask for RG LTF or try for DCB FYF route (so that you dont have to pay the fees).

 

[maynigam]

for DCB, they would need at least 6L (or 4/5L, not sure) spends in last 6 months.. and even then it would be FYF

For converting card to LTF, you need to have spends more than 50% of fee waiver (approx) within 6/7 months. Eg: People have spent 2L in 4/6 months from Millennia and then have asked for LTF conversion (as fee waiver is at 1L).

So, either spend everything via the card (upwards 12L) in around 1 year and then ask for RG LTF or try for DCB FYF route (so that you dont have to pay the fees).

Thanks for your reply. I have asked for LTF RG. Let's see if they agree. Or else I'll cancel it.

 

[prankster]

Thanks for your reply. I have asked for LTF RG. Let's see if they agree. Or else I'll cancel it.

If you cancel it, you might not easily get a core card again since you hold co-branded cards

 

[EternallyHopeful]

Much better cards out there. I don't find Regalia Gold rewarding at all for 2500. It's only good for priority pass.

Which better cards, if I may ask?

 

[Tazact]

Try mailing to: Grievance.Redressalcc@hdfcbank.com

Tried . They said Its spend based fee reversal card so just spend & get it free next year

 

[Akashn]

Tried . They said Its spend based fee reversal card so just spend & get it free next year

This won't be a straight forward process. Try to exchange 3-4 mails. Mention your banking relation and cc spends (i hope you atleast have spent good amount)

 

[NOOBY]

Tried . They said Its spend based fee reversal card so just spend & get it free next year

yeah, it takes 4/5 mails (at least) and they reply after 1 week and so, timeline is around 1 month. You need to show them good spending and good banking.

 

[maynigam]

I have written an email yesterday and renewal fees had been posted to my card account today. Card was issued in october. What can I do now?