Is it true that Mid-range & premium/super premium cards get regular/more often LE & upgrade offer than entry level?

[arjun]

Hey guys I recently had discussion with Hdfc preferred & axis burgundy RM. Also I had a discussion with icici credit card department head of my branch. And mostly all agreed that on mid range/premium/super premium cards you get LE & upgrade offer regularly. So I want to ask people with the cards below, do you guys get upgrades or LE offers regularly atleast(every 6 month)

Hdfc :
Regalia
Dinners privilege
Dinners Black
Infinia

Icici :
Rubyx
Sapphario
Emeralde

Axis :
Privilege
Select
Atlas
Magnus
Reserve

SBI :
Prime
Elite

Standard chartered :
Platinum
Ultimate

Citi :
Prestige
Premier miles

And any other banks card which I might have forgot, so my question is to all these cards holders do you guys get LE or upgrade(Not for the highest card holders) offers regularly?

 

[metal_heart]

I have HDFC regalia and ICICI Rubyx for almost 5 years. Have got LE multiple times but never an upgrade option. In fact upgrade request have been denied few times

 

[arjun]

LE - Depends on spends
Upgrades - Depends on Limit, Eligibility and Spends

I never once got upgrade notification in 5+ years in any bank, I have to raise request manually and some were processed successfully.

Best option, always start with better limit (either go with C2C or Good ITR) and opt for high varient available for you, because looking for upgrade might not work unless you satisfy first two conditions.

Which card you have?
Not true, My dad has hdfc regalia since 2 years and he get LE every 6 months, till now got almost 3 LE offer and 1 upgrade offer. He has never used regalia for anything just for fuel he uses that also every 3-4 months 1 transaction of 4-5k.

My cousin brother who has govt job he is very low spender he has 3 card hdfc dcb, icici Sapphario, sbi prime he gets LE offer on a normal basis and he only uses sbi prime that also 10k max a month and his limit is 4L.


My grand mother who doesn't know anything about CC has Regalia first and she doesn't know how to use, she got card because of my dad's prefrence account family. She has never used card even once in her life and gets LE every 6-8 months.

 

[arjun]

I have HDFC regalia and ICICI Rubyx for almost 5 years. Have got LE multiple times but never an upgrade option. In fact upgrade request have been denied few times

What's your current limit in both cards?

 

[arjun]

I'm using HDFC Regalia for past 6 years with limit more than 8L. I received LE only when I actively used this card with good amount of spends not random or any fixed time period like in your case of every 6-8 months. And for upgrade, I never received any notification and request for manual upgrade failed when sent forms to Credit Center. The reason I mentioned LE for only active card is in last 2 years, I reduced spends on this card didn't got any LE offer.

SBI Prime, not active card but used mostly for online offers. This card started with 1.2L limit and completed 3 years, still same limit neither upgrade (I paid annual fee in all 3 years), requested for card closure, it's in progress.

I have Select Axis Card (paid but waived off with my spends) and I'm using actively for the past 3 years, I received LE only when I purchased a device worth 1L from Flipkart. LE increased from 1.4L to 2.1L (only once in last 3 years).

Citi Rewards, once an active card 2 years back it reaches 4L limit and got stuck (no usage after that except some online offers).

In my case, LE can happen only when I actively spend on that card otherwise, nothing. Whereas upgrade, no notification about that for any of my card.

Well you are running already on a high limit for a regalia so obliviously you won't get LE that often, 8 L for regalia is high bro in that people have Infinia.

 

[BankExpertIndia]

Well you are running already on a high limit for a regalia so obliviously you won't get LE that often, 8 L for regalia is high bro in that people have Infinia.

Here People Have Regalia With 10L Limit...

 

[TechnoFinoTechnoFino is verified member.]

in short... yes, its true

 

[arjun]

in short... yes, its true

Thanks, Now at-least people won't present proof to prove that what I am telling is not true.

 

[arjun]

Here People Have Regalia With 10L Limit...

I love that card, hopefully I will get by the first quarter of 2023.

 

[addy]

Here People Have Regalia With 10L Limit...

My uncle has regalia with around 12lk limit. I was also having around 9lk limit before upgrading to infinia.

 

[arjun]

My uncle has regalia with around 12lk limit. I was also having around 9lk limit before upgrading to infinia.

So you went from Regalia(91k) to Infinia? What exactly did you provide them for i.e itr, salary strip, another card statement?

 

[addy]

So you went from Regalia(91k) to Infinia? What exactly did you provide them for i.e itr, salary strip, another card statement?

Its 9 lakhs and not 91k. Upgrade was auto triggered last year.

 

[arjun]

Its 9 lakhs and not 91k. Upgrade was auto triggered last year.

That makes sense

 

[arjun]

Its 9 lakhs and not 91k. Upgrade was auto triggered last year.

Which was your first card in hdfc and with what limit?

 

[addy]

Which was your first card in hdfc and with what limit?

Titanium with 75k limit in 2011 it was my first cc.

 

[visvin]

Never received any LE or Upgrade offer from HDFC.
Got Regalia in Sep'19. Upgraded to Infinia in May'19. Made the upgrade via a kiosk agent. The limit was 8L in Regalia since I got the card and has been 9.5L since converted to Infinia.
Despite most of my spends have been on this card, not one LE offer!

 

[vibrant143]

Hey guys I recently had discussion with Hdfc preferred & axis burgundy RM. Also I had a discussion with icici credit card department head of my branch. And mostly all agreed that on mid range/premium/super premium cards you get LE & upgrade offer regularly. So I want to ask people with the cards below, do you guys get upgrades or LE offers regularly atleast(every 6 month)

Hdfc :
Regalia
Dinners privilege
Dinners Black
Infinia

Icici :
Rubyx
Sapphario
Emeralde

Axis :
Privilege
Select
Atlas
Magnus
Reserve

SBI :
Prime
Elite

Standard chartered :
Platinum
Ultimate

Citi :
Prestige
Premier miles

And any other banks card which I might have forgot, so my question is to all these cards holders do you guys get LE or upgrade(Not for the highest card holders) offers regularly?

I have been using citi premier miles credit card since 2010 with credit limit of 2.54 lakh. I used to spend a lot till 2016. Never got any limit enhancement offer till 2020. I stopped using 2020 onwards except offer based spend. During this time , I asked for LE at 3 different occasions but it was denied promptly.1st limit enhancement I got in Jan 2021. And second limit enhancement to 5.71lakh , I got in sep 2021 .
Actually it all depend on bank employee who is handling this for auto limit enhancement and request based limit enhancement . There are various algorithms which is used by bank which works for some user and for some it does not.