Is it wise to consume RP before placing Credit Card upgrade request?

[jainabhishek14]

As HDFC has RP conversion ration from old card to upgraded card, Is it wise to consume all RPs before placing the request as they will transfer only partial RPs to upgraded card Or is it necessary to have RPs in your old card to be eligible for upgraded card?

 

[007]

As HDFC has RP conversion ration from old card to upgraded card, Is it wise to consume all RPs before placing the request as they will transfer only partial RPs to upgraded card Or is it necessary to have RPs in your old card to be eligible for upgraded card?

As reward points are converted accordingly so you will get same value. And there is no such requirement to have RPs to be eligible for upgraded card. Just use your RPs as you wish!

Refer this:

 

[vysakh]

Doesn't make any difference.

Say old card has redemption value of 2RP = 1Re and you had 1000 RP, and you're trying to upgrade to a card where 1RP = 1Re, they'll convert the 1000 RP into 500 RP. Before upgrade you had RP worth 500Rs and after upgrade also you'll have RP worth 500 Rs.

 

[TheMentalist]

Better to save RPs for upgraded card, as it will have more value when converting to other platforms like Miles transfer etc. or at time of redemption for hotel/flight booking