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.

 

[tharun]

I contacted hdfc CC team via telephone and asked them to convert my visa MBplus LTF to rupay MBplus (reason stating I was unable to use the physical card for offline transaction due to card damage)

In the call cs told me i can replace the existing card with same same number, network . I told them that issue me a new card if the network is changed to rupay so she raised a complaint regarding the same and told to wait for three working days for resolution
Today I got a mail that my card was upgraded to MBplus FYF rupay variant
I don't want it to be a paid card
Should I complain now before receiving the card or should I wait and receive the card first and then ask them to convert to LTF

@SSV
@HumorSimpson
@VISHESH_BANSAL

 

[aniketkr.sharma]

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+?

What's your credit limit and how much you had spent over last six months

 

[Arkapal Sen]

I contacted hdfc CC team via telephone and asked them to convert my visa MBplus LTF to rupay MBplus (reason stating I was unable to use the physical card for offline transaction due to card damage)

In the call cs told me i can replace the existing card with same same number, network . I told them that issue me a new card if the network is changed to rupay so she raised a complaint regarding the same and told to wait for three working days for resolution
Today I got a mail that my card was upgraded to MBplus FYF rupay variant
I don't want it to be a paid card
Should I complain now before receiving the card or should I wait and receive the card first and then ask them to convert to LTF

@SSV
@HumorSimpson
@VISHESH_BANSAL

use for first few months as its fyf..then convert it to ltf by trying..else close that time

 

[aniketkr.sharma]

I have spent more than 1L( last 6 months I had big spend compare to my normal spend)

I usually complete 1 or 2 quarterly milestone for an year

I asked credit limit bro

 

[tharun]

use for first few months as its fyf..then convert it to ltf by trying..else close that time

I already have MBplusLTF VISA
Now they are changing it to rupay

What's your credit limit and how much you had spent over last six months

I have spent more than 1L( last 6 months I had big spend compare to my normal spend)

I usually complete 1 or 2 quarterly milestone for an year
My limit is 53k

 

[Arkapal Sen]

I already have MBplusLTF VISA
Now they are changing it to rupay

I have spent more than 1L( last 6 months I had big spend compare to my normal spend)

I usually complete 1 or 2 quarterly milestone for an year
My limit is 53k

and for changing it to rupay..they r changing it from ltf to fyf?

 

[aniketkr.sharma]

I already have MBplusLTF VISA
Now they are changing it to rupay

I have spent more than 1L( last 6 months I had big spend compare to my normal spend)

I usually complete 1 or 2 quarterly milestone for an year
My limit is 53k

That's the reason, first ask for limit enhancement then you will be able to get better card. For 53k it's too hard to get any better card.

 

[aniketkr.sharma]

That's the reason, first ask for limit enhancement then you will be able to get better card. For 53k it's too hard to get any better card.

1.5 lakhs is the base limit for tata neu infinity and 1 lakh is for millennia and 3 lakh for regalia gold and 5 lakh for dcb and 8 lakh for infinia

 

[tharun]

That's the reason, first ask for limit enhancement then you will be able to get better card. For 53k it's too hard to get any better card.

I tried many times
Cs team emails me to send the required docs to Chennai

I don't want any better card for now from hdfc .I just need a variant change with same benifits

 

[Arkapal Sen]

I tried many times
Cs team emails me to send the required docs to Chennai

I don't want any better card for now from hdfc .I just need a variant change with same benifits

bro better stay in the same nw..as its ltf

 

[fin_avid]

I have offered moneybackplus credit card as LTF , but they charged me after the first year , so what I have to do now ?

U have in writing that Yr card is ltf ? If so jus contact customer care and they ll revert it.

 

[aniketkr.sharma]

I tried many times
Cs team emails me to send the required docs to Chennai

I don't want any better card for now from hdfc .I just need a variant change with same benifits

You can mail income docs with form filled to grievance and ask them limit increase. And then you will be able to get better cards

 

[tharun]

You can mail income docs with form filled to grievance and ask them limit increase. And then you will be able to get better cards

If I had income documents as of now that would be the first thing to do, in my to do list

 

[aniketkr.sharma]

If I had income documents as of now that would be the first thing to do, in my to do list

What's your age? and don't you have any itr?

 

[helloworld]

I already have MBplusLTF VISA
Now they are changing it to rupay

If you have written email proof that says mb+ visa is indeed ltf, then can escalate to get rupay also same.

rbi rule its equal to treat all networks same and applicable for all banks.

many people took rupay conversion and having same price (ltf or paid stays same).

you can write a mail with that "existing card ltf proof" and get your rupay also ltf.

btw, after issue did you ask price of the rupay card? or believed whatever support sent is personlized but not standard template?

Post in thread 'Festive Offer: Lifetime Free HDFC Bank Tata Neu Infinity & Tata Neu Plus Credit Card'

Nov 2, 2024

HDFC does not issue as a floater/dual credit card currently, as per the internal credit policy and guidelines of the bank.

However, recently I applied and received Life Time Free Swiggy credit card.

Why only issue with TATA Infinity?

View attachment 73800

Some credit card representatives have been with the bank for a long time but may not always be up-to-date on the latest processes. When they first joined, they received training with certain templates and approaches, and over time, they often stick to forwarding those templates to close tickets quickly. Closing tickets remains a high...

• helloworld

• 

 

[helloworld]

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+?

ask in email level by level

or

fill the form and sent to chennai

 

[tharun]

If you have written email proof that says mb+ visa is indeed ltf, then can escalate to get rupay also same.

rbi rule its equal to treat all networks sane and applicable for all banks.

many people took rupay conversion and having same price (ltf or paid stays same).

you can write a mail with that "existing card ltf proof" and get your rupay also ltf.

btw, after issue did you ask price of the rupay card? or believed whatever support sent is personlized but not standard template?

Post in thread 'Festive Offer: Lifetime Free HDFC Bank Tata Neu Infinity & Tata Neu Plus Credit Card'

Nov 2, 2024

HDFC does not issue as a floater/dual credit card currently, as per the internal credit policy and guidelines of the bank.

However, recently I applied and received Life Time Free Swiggy credit card.

Why only issue with TATA Infinity?

View attachment 73800

Some credit card representatives have been with the bank for a long time but may not always be up-to-date on the latest processes. When they first joined, they received training with certain templates and approaches, and over time, they often stick to forwarding those templates to close tickets quickly. Closing tickets remains a high...

• helloworld

• 

I don't have any written proof or mail regarding my previous card LTF status

btw, after issue did you ask price of the rupay card? or believed whatever support sent is personlized but not standard template?

I have received a email from them (I thought it was personalized )
On contacting the CS via phone.he told me that their system shows my new card as LTF.

I asked them to send me a mail stating that it's a LTF card for which he said he could not send any such mail

 

[helloworld]

I don't have any written proof or mail regarding my previous card LTF status

I have received a email from them (I thought it was personalized )
On contacting the CS via phone.he told me that their system shows my new card as LTF.

I asked them to send me a mail stating that it's a LTF card for which he said he could not send any such mail

ask through email (like stick to the below points but don't mention in the first mail itself..

1st mail, generic like "may I know whether my card is ltf or not"

then use below points..

- usage years on mb+ and LTF (though no proof with you mostly stick to it, the more you poke, the more they can ask proofs).
- Tell you cs phone mentioned same.

btw. that is standard template. IMO.