I am in a similar situation, I got moneyback+(40000) in the beginning and got a rupay virtual card with a shared limit. I wasn't getting any upgrade offers hence I went ahead to apply through the branch for an upgrade and limit increase, the limit got to 100000 and got millennia but that was a chargeable card hence I closed it. Now I have the virtual rupay card with 100000 limit and not getting any upgrade offers. I'm thinking of canceling this one and then waiting. Let me know what are your opinions. I am a salaried employee with HDFC and a High Network Individual with HDFC, yet I'm only getting a loan and no card upgrades. Meanwhile, my colleagues have received Regalia Gold LTF with a 3 lakh limit on the first go.

Limit ? . 132000 Opened Savings Max account Aug-23 , Got LTF Moneyback+ offer from Oct-23 , Millenia FYF Offer Jan-24 , Millenia LTF offer April-24. Maintained 25K only. Did 75K transaction monthly on Platinum DC for cashback. account opened in January 24, recently upgraded to preferred banking, then within 15 days LTF MB+....will wait for LTF millennia.

I am getting pre-approved moneyback+, how much more time does HDFC take to show millennia LTF as a pre-approved offer? Has anyone experienced it? I can tell you about my experience with HDFC. I've recently received my first ever pre-approved upgrade offer after 9 years of holding a plain Moneyback CC. The offer? -- An upgrade to a paid Moneyback+ from an LTF Moneyback !!! It's not like I don't have a good enough standing with the Bank. I am an Imperia customer, and my Moneyback CL would be fine even for an Infinia! .

I am getting pre-approved moneyback+, how much more time does HDFC take to show millennia LTF as a pre-approved offer? Has anyone experienced it? Opened Savings Max account Aug-23 , Got LTF Moneyback+ offer from Oct-23 , Millenia FYF Offer Jan-24 , Millenia LTF offer April-24. Maintained 25K only. Did 75K transaction monthly on Platinum DC for cashback.