Looking for advice on upgrading my HDFC core card (Regalia Gold vs waiting for LTF)

[Relionrk]

I’m reviewing my credit card lineup and could use some input.

Current cards & usage

HDFC MoneyBack+ (paid) – Took this in college because it was the only option. Barely use it now since the reward rate is poor.

Tata Neu Infinity (paid) – UPI spends, Air India flights, Westside, occasional groceries.

Swiggy HDFC (LTF) – Swiggy, Amazon/Flipkart, other online shopping.

Airtel Axis (paid) – Primary for Wi-Fi/mobile bills and BigBasket groceries.

ICICI Sapphiro (LTF) and SBI SimplyClick (paid) – For sale/flight offers.


Spending pattern

Monthly spends: ₹20–30k

Travel: 5–6 domestic flights a year, maybe 1 domestic or international trip. Lounge access is nice to have.


Goal
I want a better HDFC core card since MoneyBack+ is weak. I keep getting an upgrade offer to Regalia Gold FYF (first year free), but I’m hesitant because:

I don’t plan to spend ₹4 lakh annually to get the second year free.

I’d rather avoid an annual fee unless it’s truly worth it.


Questions for the community

1. Should I accept the FYF Regalia Gold and later email HDFC to request a lifetime-free waiver, or just wait for a direct LTF offer (which I hear is rare)?


2. Would converting my HDFC savings account to a salary account improve my chances of getting Regalia Gold LTF? I’m already a Preferred Banking customer.


3. Any other HDFC card you’d recommend for my profile?


Appreciate any insights, especially from those who’ve negotiated LTF upgrades with HDFC.

 

[Kabir_1112]

Regalia Ltf is difficult now. If you get an option on mycard for LTF you will be eligible. But it is rare now, having good spend and then requesting via email. Try millennia for LTF from money-back.

 

[Wealth is my birth right!]

I’m reviewing my credit card lineup and could use some input.

Current cards & usage

HDFC MoneyBack+ (paid) – Took this in college because it was the only option. Barely use it now since the reward rate is poor.

Tata Neu Infinity (paid) – UPI spends, Air India flights, Westside, occasional groceries.

Swiggy HDFC (LTF) – Swiggy, Amazon/Flipkart, other online shopping.

Airtel Axis (paid) – Primary for Wi-Fi/mobile bills and BigBasket groceries.

ICICI Sapphiro (LTF) and SBI SimplyClick (paid) – For sale/flight offers.


Spending pattern

Monthly spends: ₹20–30k

Travel: 5–6 domestic flights a year, maybe 1 domestic or international trip. Lounge access is nice to have.


Goal
I want a better HDFC core card since MoneyBack+ is weak. I keep getting an upgrade offer to Regalia Gold FYF (first year free), but I’m hesitant because:

I don’t plan to spend ₹4 lakh annually to get the second year free.

I’d rather avoid an annual fee unless it’s truly worth it.


Questions for the community

1. Should I accept the FYF Regalia Gold and later email HDFC to request a lifetime-free waiver, or just wait for a direct LTF offer (which I hear is rare)?


2. Would converting my HDFC savings account to a salary account improve my chances of getting Regalia Gold LTF? I’m already a Preferred Banking customer.


3. Any other HDFC card you’d recommend for my profile?


Appreciate any insights, especially from those who’ve negotiated LTF upgrades with HDFC.

Hi
RG u can take
Nowadays no ltf in RG
Initial year of introduction I got ltf as my normal regalia I had ltf with 3l limit at that time
U can spend some amount in fyf and write to them for ltf request sometimes it works out