I recently recieved the Legend credit card Ltf and after seeing some posts I thought of upgrading it into indulge after seeing @anirben choudhary's post, I contacted the branch and told I can maintain heritage account if they'd upgrade me into indulge/heritage. They straight away denied. They said heritage can never be ltf and even for Indulge to be ltf you need a TRV of 1Cr. I said there are my friends who got ltf and he said sir "Sumanta das ke posts dekhke ya technofino se dekhke mt aayiye banks unhe promotion ke liye b deta hai" I guess it is high time we should shift some of our discussions in a telegram group or something else.