Need opinion for HDFC Credit card

[Aakash800]

Hi, so I've a HDFC Business money back LTF card which I got on pre approved offer back in may 2022 with limit of 60k

I was eagerly waiting for Millenia upgrade with a limit enchantment, but sadly I didn't get any offers for the same. Customer care couldn't help either. Where as my Apay Card had a limit of 7L ( issued on Sept 2022 ) and ICICI Rubyx LTF have a limit of 8.4L ( issued on Jan 2023 ).

So I applied for Millenia via NetBanking on 11th Feb hoping I could make it conditional LTF but today I got the card with a limit of just 40k and customer care confirmed they can't make it LTF, Spend based renewal fee waiver is my only option here.

So I'm asking for your opinion here, should I close this card ? But if I do so how can I get Millenia LTF ?
I'm self employed with ITR of around 9L. Opened the HDFC account on march 2022. Maintained balance is about 1.10L and I have 1 FD and 1 RD opened with them. If I maintain more balance will it help ?
Cibil score is 780, no defaults. Credit cards are maintained with basic rules followed.

 

[vaibhav111vaibhav111 is verified member.]

which cc you already hold, what your spend monthly/annually, hdfc isn't giving upgrade easily so don't invest more into their products. keep hdfc LTF not paid in 2023 it seem

 

[Aakash800]

which cc you already hold, what your spend monthly/annually, hdfc isn't giving upgrade easily so don't invest more into their products. keep hdfc LTF not paid in 2023 it seem

I have business money-back, with monthly spends of around 15k since credit limit is 60k.

 

[vaibhav111vaibhav111 is verified member.]

@Wealth is my birth right! @TheMentalist @anirban.choudhury @ashwink @Bigde Help a fellow member! he seem confused what he should do

 

[Wealth is my birth right!]

I have business money-back, with monthly spends of around 15k since credit limit is 60k.

Try with secured LE process like FD and lien so that u can get 1l limit
Check with ur local branch or some card sales guy who will have an idea

 

[Aakash800]

Try with secured LE process like FD and lien so that u can get 1l limit
Check with ur local branch or some card sales guy who will have an idea

No please read the initial post, I'm looking for opinion for LTF Millennia card. I explained everything.

 

[Wealth is my birth right!]

No please read the initial post, I'm looking for opinion for LTF Millennia card. I explained everything.

Self employed considerations by bank is not known to public well
Salary guys it’s simple as long as credits on 1st of every month and card usage of 50to60 percent in a month are the ladders for premium cards easily