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Imperia customer struggling for premium hdfc credit cards

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John Wick

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I am an hdfc imperia banking customer. Have account since 2018. Account normal se hi khula tha but bank gave pre offer to imperia. At opening got moneyback card and 6-7 months ago got pre offer upgraded to moneyback+ but it sucks as I want premium card from hdfc. In NetBanking only offers they show me are of loans which I'm not interested in. Bhai card k do na. Is there any chance I can get / apply for DCB, infinia or Regalia/regalia gold but LTF?
Also, any way I get enhanced limit on my moneyback+ so I can use that C2C to apply for other bank premium cards
 
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sahib said:
I am an hdfc imperia banking customer. Have account since 2018. Account normal se hi khula tha but bank gave pre offer to imperia. At opening got moneyback card and 6-7 months ago got pre offer upgraded to moneyback+ but it sucks as I want premium card from hdfc. In NetBanking only offers they show me are of loans which I'm not interested in. Bhai card k do na. Is there any chance I can get / apply for DCB, infinia or Regalia/regalia gold but LTF?
Also, any way I get enhanced limit on my moneyback+ so I can use that C2C to apply for other bank premium cards
Click to expand...
What is the average that you are maintaining in your account and what is your approximate TRV/NRV?
 
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Thanks @adigk will try that. Do you have a template for email. Like what compelling message should I draft that they agree to what I want. And should I provide any proofs like salary slips, ITR, etc in mail?
And can I write in the same mail that if you can't give infinia or DCB pls give LTF Regalia or least increase limit of current moneyback+?
 
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sahib said:
Thanks @adigk will try that. Do you have a template for email. Like what compelling message should I draft that they agree to what I want. And should I provide any proofs like salary slips, ITR, etc in mail?
And can I write in the same mail that if you can't give infinia or DCB pls give LTF Regalia or least increase limit of current moneyback+?
Click to expand...

Attached the email I sent. They will revert back with an upgrade form which needs to be filled and signed. They will ask you to mail the signed form along with supporting documents to their Chennai address. I sent all the documents in email instead and kept following up till they approved the upgrade.

You will need minimum 5L limit to upgrade to DCB. Anything less, you can request for a limit enhancement or upgrade to regalia and wait for few months and request LE then.
 

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sahib said:
It's only 4.5L. I prefer around 10L+. Do u know how to ask for limit increase and I hope there are no charges for that?
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Fill the limit enhancement/upgrade form, attach supporting documents & email them.
I had 70k Millenia, emailed the upgrade form & ITR, got upgrade to Regalia with 3L limit.

 
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My limit is 4.5L I'm thinking to get limit increased first and then request for regalia or above cards or is it possible to get both regalia and limit increase together? Will they entertain such email?
Are there any charges and CIBIL hit to get limit increased?
adigk said:
Same form. You can either request upgrade or request LE with income docs.

Click to expand...
 
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sahib said:
My limit is 4.5L I'm thinking to get limit increased first and then request for regalia or above cards or is it possible to get both regalia and limit increase together? Will they entertain such email?
Are there any charges and CIBIL hit to get limit increased?
Click to expand...
Floor limit for regalia is 3L, DCB is 5L.
You can get both limit enhancement & card upgrade in the same request by ticking “Upgrade with limit increase” option.
No charges.
Yes there will be CIBIL hit.
 
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