Regalia Gold How to get out from HDFC MoneyBack+ Credit Card trap?

[Akash777]

I've a HDFC MoneyBack+ LTF Credit Card for last 4 yrs which I hardly use because of it's aweful reward system.

I've applied for other HDFC Cards like Millenia & Regalia many times in the last 4 yrs (online) but everytime got rejected with a dialogue like "You have the best rewarding HDFC Card so we can't process your application now."

4 yrs back in 2020 I was offered all the 3 Cards LTF like Millenia, Regalia and MoneyBack+ when I opened a savings acc in HDFC. But for the name & the looks I thought MoneyBack+ will be more rewarding with Money Back/Cashback than the dull looking Regalia. Lateron after 6 months I realised it's actually not that useful what HDFC boasts.

I'm interested to get a HDFC Regalia Gold for it's airport lounge feature.

Can someone guide me how to get rid of this MoneyBack+?

 

[newmakerhere]

I dont think SBI offers CB LTF. Or do they?

They don't offer ltf but after using one year they convert it to ltf. I also successfully converted into ltf.