Is it worth Upgrading my account to HDFC Preferred Banking Programme?

[habibmy]

 

[Anindya98]

That totally depends on you. As, you are eligible you can take it and use the free Platinum DC.

View attachment 58705

 

[Sudbht]

Yes even though it doesn't add any value there is no harm in upgrading it.

 

[InfamousInfamous is verified member.]

there's a good possibility of downgrade from what I've seen, but yeah no harm in upgrading if maintainance innot an issue

 

[metal_heart]

I got upgraded last year from Classic to Preferred. Unless you are targeting some or specific benefit in Preferred, there's not much difference.

 

[Iamgora]

I got upgraded last year from Classic to Preferred. Unless you are targeting some or specific benefit in Preferred, there's not much difference.

What kind of benifits I can expect? I got the upgrade mail today. Thinking what to do

 

[kiwi195]

Take the upgrade. You probably won’t even be downgraded anyway. If you get imperia upgrade post this, you are entitled to a separate customer care line. No IVR, direct call

 

[Fini7777]

What kind of benifits I can expect? I got the upgrade mail today. Thinking what to do

I don't recommend but if u want Free IMPS u can upgrade
U get nothing special here except nill charges on imps

 

[Iamgora]

I don't recommend but if u want Free IMPS u can upgrade
U get nothing special here except nill charges on imps

Can I expect better credit card with good limit? I currently hold money back plus with 57k limit 🥲

 

[Fini7777]

Can I expect better credit card with good limit? I currently hold money back plus with 57k limit 🥲

No account variant cannot help u in this case especially in hdfc
If u r primary account holder this may work but varies from person to person

I'd suggest u directly req them to inc limit and upgrade ur card
Keep ur classic account(assuming u have) no need to upgrade for cc offers

Ur negotiation skills with grievance team matters more than account variant
If u want to upgrade u can but IMO it's just a tag to make the customers feel they r special but there's nothing special except direct call, some locker discounts and free IMPS and high cash transac limit of 5L monthly free in branches

 

[Fini7777]

There r multiple threads on this topic pls go through them u will get some idea on this

 

[kiwi195]

It’s not a big deal. Just take it . They don’t downgrade easily. It’s not paid and there are no strings attached

 

[praveensudhakaran]

I have received this email last month and accepted the upgrade. Till now, I am getting the email again and again but not yet upgraded.

@metal_heart @habibmy How much it takes for the upgrade?

 

[cardy]

No account variant cannot help u in this case especially in hdfc
If u r primary account holder this may work but varies from person to person

I'd suggest u directly req them to inc limit and upgrade ur card
Keep ur classic account(assuming u have) no need to upgrade for cc offers

Ur negotiation skills with grievance team matters more than account variant
If u want to upgrade u can but IMO it's just a tag to make the customers feel they r special but there's nothing special except direct call, some locker discounts and free IMPS and high cash transac limit of 5L monthly free in branches

Exactly true and to the point
Nothing special but since it's offering free of cost and you don't need any special requirements other than two clicks I would recommend to take it

 

[cardio_guycardio_guy is verified member.]

Just noticed - Before asking a very trivial question, please use the search function. Almost same question has been asked in so many multiple threads.
Better to use these existing threads, you would already have the answer that you are looking for. If not, continue on one of the threads.
Mods can merge these threads as well.