No upgrades on HDFC credit card

[KFO iug]

I was offered HDFC business moneyback in 2022 which was my first credit card with a limit of 1L, this was my first credit card and ever since then I’ve gotten the Tata Neu Plus, Swiggy, and now Marriot Bonvoy.

HDFC hasn’t once given me an upgrade or a limit enhancement and has always rejected my requests for the same. I’ve always had some sort of EMI running on the card, mostly no cost EMIs, I’m wondering if that could be a reason. It is coming up to almost 3 years without any limit enhancement or upgrade offers.

What should I do?

 

[aniketkr.sharma]

I was offered HDFC business moneyback in 2022 which was my first credit card with a limit of 1L, this was my first credit card and ever since then I’ve gotten the Tata Neu Plus, Swiggy, and now Marriot Bonvoy.

HDFC hasn’t once given me an upgrade or a limit enhancement and has always rejected my requests for the same. I’ve always had some sort of EMI running on the card, mostly no cost EMIs, I’m wondering if that could be a reason. It is coming up to almost 3 years without any limit enhancement or upgrade offers.

What should I do?

Nothing just close tata neu, swiggy & moneyback.

Keep Marriott bonvoy and use it that will give you limit enhancement & btw marriot bonvoy is an upgrade to moneyback.

 

[VasukiVasuki is verified member.]

Nothing just close tata neu, swiggy & moneyback.

Keep Marriott bonvoy and use it that will give you limit enhancement & btw marriot bonvoy is an upgrade to moneyback.

If closing helped?
Keep all the cards once you earning apply for l .e on Salary slips or itr

 

[aniketkr.sharma]

If closing helped?
Keep all the cards once you earning apply for l .e on Salary slips or itr

Yeah it will as we don't have floater cards earlier and we got LE and upgrade but from when these floater came all the offers are getting generated for these floaters and no offers for the main cards.

 

[VasukiVasuki is verified member.]

Yeah it will as we don't have floater cards earlier and we got LE and upgrade but from when these floater came all the offers are getting generated for these floaters and no offers for the main cards.

It's just one theory
You just get lucky with hdfc l e 😁

 

[KFO iug]

Nothing just close tata neu, swiggy & moneyback.

Keep Marriott bonvoy and use it that will give you limit enhancement & btw marriot bonvoy is an upgrade to moneyback.

I had applied for it separately

 

[aniketkr.sharma]

I had applied for it separately

What's marriot bonvoy limit?

 

[KFO iug]

What's marriot bonvoy limit?

1 lakh, same as others

 

[anonymuos]

With Business MoneyBack you have to negotiate a lot with HDFC, repeatedly. Just keep trying. Eventually some day they may agree to Millennia FYF. Don't close Neu Plus and Swiggy now that you have gotten them.

I took a different approach but was stuck in a rut for some while. I was originally given Business MoneyBack LTF in 2022 with 1.88L limit. Took it because limit was decent, without knowing that this cursed card doesn't work in sales on Amazon/Flipkart discounts nor does it get consumer card upgrades easily. Then got Neu Infinity LTF in 2023. Requested upgrade/conversion of Business MoneyBack to Millennia many times. Declined. Did some spends even though hard to justify spends on this card and when offers don't even work. Again declined upgrade so closed it. That was probably a mistake. I should have kept trying to get them to flip/upgrade it to Millennia.

Then got Swiggy LTF in 2024 - one of the first ones to get it LTF. But then I was stuck with 2 cobranded Neu Infinity LTF and Swiggy LTF. After this, HDFC would decline any core card via any channel. Offline/C2C they even refused to process application for Millennia unless I closed both Neu and Swiggy WTF! I made the branch check with the regional credit card head who also refused to entertain any credit card application unless both cobranded were closed. I argued and fought a lot saying how can they expect me to close both cards to get 1 core card - at least most I would give up Neu for Millennia if I was allowed to keep Swiggy LTF but they didn't relent.

Online it kept saying you have recently applied for a card so via any online channel or pre-approved offer, it was impossible too. Finally after Diwali, Freedom card was offered on Paytm app LTF. I grabbed it and now have Freedom LTF via Paytm channel as a faaltu core card with 0.1% reward, without closing Neu Infinity and Swiggy. But Freedom is a core card and is not excluded in sales/discount offers. Then got Pixel Play Visa+RuPay LTF too since they work on instant discounts like the Freedom card.

Now 6 months later will request upgrade to Millennia. Consumer LTF card to Millennia paid/FYF is a lot easier than Business MoneyBack LTF to Millennia FYF. Meanwhile I am trying to get UPI RuPay also as another virtual card that works in discounts.

 

[Heehaahee]

With Business MoneyBack you have to negotiate a lot with HDFC, repeatedly. Just keep trying. Eventually some day they may agree to Millennia FYF. Don't close Neu Plus and Swiggy now that you have gotten them.

I took a different approach but was stuck in a rut for some while. I was originally given Business MoneyBack LTF in 2022 with 1.88L limit. Took it because limit was decent, without knowing that this cursed card doesn't work in sales on Amazon/Flipkart discounts nor does it get consumer card upgrades easily. Then got Neu Infinity LTF in 2023. Requested upgrade/conversion of Business MoneyBack to Millennia many times. Declined. Did some spends even though hard to justify spends on this card and when offers don't even work. Again declined upgrade so closed it. That was probably a mistake. I should have kept trying to get them to flip/upgrade it to Millennia.

Then got Swiggy LTF in 2024 - one of the first ones to get it LTF. But then I was stuck with 2 cobranded Neu Infinity LTF and Swiggy LTF. After this, HDFC would decline any core card via any channel. Offline/C2C they even refused to process application for Millennia unless I closed both Neu and Swiggy WTF! I made the branch check with the regional credit card head who also refused to entertain any credit card application unless both cobranded were closed. I argued and fought a lot saying how can they expect me to close both cards to get 1 core card - at least most I would give up Neu for Millennia if I was allowed to keep Swiggy LTF but they didn't relent.

Online it kept saying you have recently applied for a card so via any online channel or pre-approved offer, it was impossible too. Finally after Diwali, Freedom card was offered on Paytm app LTF. I grabbed it and now have Freedom LTF via Paytm channel as a faaltu core card with 0.1% reward, without closing Neu Infinity and Swiggy. But Freedom is a core card and is not excluded in sales/discount offers. Then got Pixel Play Visa+RuPay LTF too since they work on instant discounts like the Freedom card.

Now 6 months later will request upgrade to Millennia. Consumer LTF card to Millennia paid/FYF is a lot easier than Business MoneyBack LTF to Millennia FYF. Meanwhile I am trying to get UPI RuPay also as another virtual card that works in discounts.

Gotta catch them all ...

 

[hender]

With Business MoneyBack you have to negotiate a lot with HDFC, repeatedly. Just keep trying. Eventually some day they may agree to Millennia FYF. Don't close Neu Plus and Swiggy now that you have gotten them.

I took a different approach but was stuck in a rut for some while. I was originally given Business MoneyBack LTF in 2022 with 1.88L limit. Took it because limit was decent, without knowing that this cursed card doesn't work in sales on Amazon/Flipkart discounts nor does it get consumer card upgrades easily. Then got Neu Infinity LTF in 2023. Requested upgrade/conversion of Business MoneyBack to Millennia many times. Declined. Did some spends even though hard to justify spends on this card and when offers don't even work. Again declined upgrade so closed it. That was probably a mistake. I should have kept trying to get them to flip/upgrade it to Millennia.

Then got Swiggy LTF in 2024 - one of the first ones to get it LTF. But then I was stuck with 2 cobranded Neu Infinity LTF and Swiggy LTF. After this, HDFC would decline any core card via any channel. Offline/C2C they even refused to process application for Millennia unless I closed both Neu and Swiggy WTF! I made the branch check with the regional credit card head who also refused to entertain any credit card application unless both cobranded were closed. I argued and fought a lot saying how can they expect me to close both cards to get 1 core card - at least most I would give up Neu for Millennia if I was allowed to keep Swiggy LTF but they didn't relent.

Online it kept saying you have recently applied for a card so via any online channel or pre-approved offer, it was impossible too. Finally after Diwali, Freedom card was offered on Paytm app LTF. I grabbed it and now have Freedom LTF via Paytm channel as a faaltu core card with 0.1% reward, without closing Neu Infinity and Swiggy. But Freedom is a core card and is not excluded in sales/discount offers. Then got Pixel Play Visa+RuPay LTF too since they work on instant discounts like the Freedom card.

Now 6 months later will request upgrade to Millennia. Consumer LTF card to Millennia paid/FYF is a lot easier than Business MoneyBack LTF to Millennia FYF. Meanwhile I am trying to get UPI RuPay also as another virtual card that works in discounts.

Thanks for sharing your experience 👍

Your thoughts on -
What would be the difference between keeping LTF Moneyback vs
Millennia Credit Card.

 

[SreeU]

With Business MoneyBack you have to negotiate a lot with HDFC, repeatedly. Just keep trying. Eventually some day they may agree to Millennia FYF. Don't close Neu Plus and Swiggy now that you have gotten them.

I took a different approach but was stuck in a rut for some while. I was originally given Business MoneyBack LTF in 2022 with 1.88L limit. Took it because limit was decent, without knowing that this cursed card doesn't work in sales on Amazon/Flipkart discounts nor does it get consumer card upgrades easily. Then got Neu Infinity LTF in 2023. Requested upgrade/conversion of Business MoneyBack to Millennia many times. Declined. Did some spends even though hard to justify spends on this card and when offers don't even work. Again declined upgrade so closed it. That was probably a mistake. I should have kept trying to get them to flip/upgrade it to Millennia.

Then got Swiggy LTF in 2024 - one of the first ones to get it LTF. But then I was stuck with 2 cobranded Neu Infinity LTF and Swiggy LTF. After this, HDFC would decline any core card via any channel. Offline/C2C they even refused to process application for Millennia unless I closed both Neu and Swiggy WTF! I made the branch check with the regional credit card head who also refused to entertain any credit card application unless both cobranded were closed. I argued and fought a lot saying how can they expect me to close both cards to get 1 core card - at least most I would give up Neu for Millennia if I was allowed to keep Swiggy LTF but they didn't relent.

Online it kept saying you have recently applied for a card so via any online channel or pre-approved offer, it was impossible too. Finally after Diwali, Freedom card was offered on Paytm app LTF. I grabbed it and now have Freedom LTF via Paytm channel as a faaltu core card with 0.1% reward, without closing Neu Infinity and Swiggy. But Freedom is a core card and is not excluded in sales/discount offers. Then got Pixel Play Visa+RuPay LTF too since they work on instant discounts like the Freedom card.

Now 6 months later will request upgrade to Millennia. Consumer LTF card to Millennia paid/FYF is a lot easier than Business MoneyBack LTF to Millennia FYF. Meanwhile I am trying to get UPI RuPay also as another virtual card that works in discounts.

Does Pixel work on Festive & Discount offers?

 

[anonymuos]

Thanks for sharing your experience 👍

Your thoughts on -
What would be the difference between keeping LTF Moneyback vs
Millennia Credit Card.

Millennia is a higher reward rate (5%) than MoneyBack+ (3.3%), cappings are higher (₹1000 instead of ₹625), milestone voucher is higher ₹1000 per quarter, MoneyBack+ milestone only ₹500, so if you can manage spends, it's worth getting. But MoneyBack is on RuPay+Visa/MC and Millennia is on Visa/MC/Diners so achieving spends in spend-based offers and product feature milestones is easier on MoneyBack+ than Millennia (via RuPay CC on UPI tricks)

Does Pixel work on Festive & Discount offers?

Yes, for now it works. But last year, even Neu Infinity worked until right before Flipkart BBD and Amazon GIF where Neu Infinity stopped working in discount offers. Swiggy cobranded never worked/never gave full discount in sales. Even if you get Pixel, I suggest you assign a small limit to it like 30K as overall it's a SHIT card

 

[Arjunvijesh]

I was offered HDFC business moneyback in 2022 which was my first credit card with a limit of 1L, this was my first credit card and ever since then I’ve gotten the Tata Neu Plus, Swiggy, and now Marriot Bonvoy.

HDFC hasn’t once given me an upgrade or a limit enhancement and has always rejected my requests for the same. I’ve always had some sort of EMI running on the card, mostly no cost EMIs, I’m wondering if that could be a reason. It is coming up to almost 3 years without any limit enhancement or upgrade offers.

What should I do?

I have a freedom credit card for 10k limit in hdfc, sent multiple emails with my ITR asking for enhancement, no use. Card was issued in 2022, I have other credit cards with good limit, but somehow HDFC isn’t keen on LE..

 

[hender]

I have a freedom credit card for 10k limit in hdfc, sent multiple emails with my ITR asking for enhancement, no use. Card was issued in 2022, I have other credit cards with good limit, but somehow HDFC isn’t keen on LE..

Not so cool, at HDFC end...

 

[hender]

Millennia is a higher reward rate (5%) than MoneyBack+ (3.3%), cappings are higher (₹1000 instead of ₹625), milestone voucher is higher ₹1000 per quarter, MoneyBack+ milestone only ₹500, so if you can manage spends, it's worth getting. But MoneyBack is on RuPay+Visa/MC and Millennia is on Visa/MC/Diners so achieving spends in spend-based offers and product feature milestones is easier on MoneyBack+ than Millennia (via RuPay CC on UPI tricks)

Yes, for now it works. But last year, even Neu Infinity worked until right before Flipkart BBD and Amazon GIF where Neu Infinity stopped working in discount offers. Swiggy cobranded never worked/never gave full discount in sales. Even if you get Pixel, I suggest you assign a small limit to it like 30K as overall it's a SHIT card

Thanks for sharing your inputs, Pls enlighten us Difference between Milennium Debit Card vs Milennium Credt Card.

 

[Umang85]

I have tried to get an upgrade for Regalia First to DCB with salary slips. And they are denying it.
Reply from escalations.cc:
"We understand from your conversation that you wish to avail HDFC Diner black Metal. We wish to clarify that we are currently unable to review your request for an upgrade of your HDFC Bank Diner black Metal credit card. We wish to assure you that the upgrade of the credit card is reviewed periodically based on usage and payment patterns on the card account. Hence, we request you to continue using your credit card for your shopping and entertainment needs and provide us with more opportunities to serve you better."

Should I just ask for a LTF Regalia Gold instead?

 

[aniketkr.sharma]

I have tried to get an upgrade for Regalia First to DCB with salary slips. And they are denying it.
Reply from escalations.cc:
"We understand from your conversation that you wish to avail HDFC Diner black Metal. We wish to clarify that we are currently unable to review your request for an upgrade of your HDFC Bank Diner black Metal credit card. We wish to assure you that the upgrade of the credit card is reviewed periodically based on usage and payment patterns on the card account. Hence, we request you to continue using your credit card for your shopping and entertainment needs and provide us with more opportunities to serve you better."

Should I just ask for a LTF Regalia Gold instead?

What's your credit limit?

 

[Umang85]

What's your credit limit?

10.7 lakhs combined limit. And Regalia First is my oldest card. Got swiggy and bonvoy last year. Was offered LTF Regalia Gold. So asked them for DCB and after a month now they replied with above mail message.
Salary would be 1.95 buy paid more taxes in first half of FY so now it goes over 2.1-2.2 per month in hand. So thought it would be best to go for DCB if possible.

Have not been spending much on HDFC Regalia First, (card I want to upgrade). Moved those to amex and HSBC live+

 

[aniketkr.sharma]

10.7 lakhs combined limit. And Regalia First is my oldest card. Got swiggy and bonvoy last year. Was offered LTF Regalia Gold. So asked them for DCB and after a month now they replied with above mail message.
Salary would be 1.95 buy paid more taxes in first half of FY so now it goes over 2.1-2.2 per month in hand. So thought it would be best to go for DCB if possible.

Have not been spending much on HDFC Regalia First, (card I want to upgrade). Moved those to amex and HSBC live+

Bro push you will get dcbm