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Infinia Split Limit - How to merge?

Great! How did you get LTF?
Don't know exactly, but my millennia was ltf and I had applied regalia gold through my RM and he told me that he will try to get it also ltf, but application with him declined and as I was also in communication with grievance and they agreed for regalia gold upgrade, they didn't mentioned any fyf or ltf,

I just provided the form and next day I was able to see card and then emails cards team to check if it's paid or ltf they confirmed its ltf
 
To pay HDFC credit card bill, which card do you use? I have HDFC platinum debit card so do we get reward points? I checked in payzapp under my cards, there is an option to pay through debit card.
 
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