Hello guys, in the previous thread I had mentioned how HDFC was offering me a moneyback+, but as you guys suggested I did not take it. After several negotiations I was finally able to convince them to increase my limit to 1lac from 25,000 without income proof of documents. It is noteworthy that I am a student and have no income or ITR. However, I am still stuck with the HDFC Paytm Card which is of almost no use to me with the cashback %. Now I want a premium or atleast a mid level credit card with a higher limit. How much should I ask for as limit ? And which variants should I ask them for which would be reasonable under my limits. Here are some things for context: 1) I have imperia banking relation with the bank. 2) Constantly using upto 60-75% of my credit limit. 3) Cibil score of 782 4) 100% on time repayment history 5) Average balance around 1-2lacs and on family average balance around 30-70lacs 6) Personal relation with HDFC of 2.5 years, and family relation of 15+ years. Basis the above, how and what should I negotiate with the cc team on mail? What would be realistically achievable ? Thank you.

Get Millennia Card (core card) first, swiggy and other can be procured easily thereafter. Now, how to get Millennia: Write a mail to priority redressal stating that I no longer want Paytm HDFC Card because of the recent RBI ban and other restrictions. Clearly mention that I have doubt regarding Paytm's privacy policy and other T&Cs, etc. Moreover mention that you have 1 lakh limit and that your paytm hdfc card be converted to Millennia Card as you no longer want to be associated with Paytm. They will most likely approve Millennia. Limit enhancement can be done thereafter, it is easy to get in core cards. I like the story 😁

Get Millennia Card (core card) first, swiggy and other can be procured easily thereafter. Now, how to get Millennia: Write a mail to priority redressal stating that I no longer want Paytm HDFC Card because of the recent RBI ban and other restrictions. Clearly mention that I have doubt regarding Paytm's privacy policy and other T&Cs, etc. Moreover mention that you have 1 lakh limit and that your paytm hdfc card be converted to Millennia Card as you no longer want to be associated with Paytm. They will most likely approve Millennia. Limit enhancement can be done thereafter, it is easy to get in core cards.

Ok you already hold either upgrade to pioneer or let it be. Why you want zero mab though? You want invest somewhere else cause 6.75 slab rate as per amount you keep you need to validate what would work for you. Plus where you spend cause pioneer cc is lifestyle cc no point if spend aren't much. I only recommend you to deposit 10l cheque and keep for 3 month atleast not needed though then keep the idle cash for interest I dont need the cash but if it could be turned 0mab, I could relocate the cash in places where I can make better passive income. As for the CC, I dont really need the card. I was just thinking it would give a decent limit even as pre approved. + the international lounge access and hotel vouchers seemed attractive. But you are right, I dont need them. Should I wait with the current variant of my account hoping for a pre approved legend cc ?