Received DCB LTF after Tagda Kalesh

[dexter_greycells]

I'll be *that one guy* here and call out that going to RBI, not once but twice, for a credit card upgrade reeks of a sense of entitlement to me.

 

[sunit123]

Card is LTF only if you receive mail confirmation...If you don't mind sharing the screenshot of their mail.

Has RBI mentioned that card should be LTF in its order?

Otherwise be ready for renewal fees shocker next year

 

[sunit123]

How did RBIO directed to issue DCBM, bank has sole right which card to be given to the customers

Right...RBI never issue such directions..It is sole discretion of bank

 

[snjn]

I'll be *that one guy* here and call out that going to RBI, not once but twice, for a credit card upgrade reeks of a sense of entitlement to me.

Thik h bhai khus reh. Ban gya cool.

 

[snjn]

Card is LTF only if you receive mail confirmation...If you don't mind sharing the screenshot of their mail.

Has RBI mentioned that card should be LTF in its order?

Otherwise be ready for renewal fees shocker next year

Le bhai tu bhi khus ho ja 😂

 

[sunit123]

Le bhai tu bhi khus ho ja 😂

Rbi has not directed hdfc to issue ltf credit card....hdfc told rbi that we have converted customer cc to ltf... bhai, post karne se pehle theek se padh liya karo

Rbi never issue such directions to issue ltf cc to customer

 

[a7c]

Actually, @snjn , I am in a similar situation. After almost 2 years of continuously talking to HDFC about them giving me a Diners Club Black Metal Credit Card to me (they had previously given me a Millennia credit card to me when I'd applied for the DCB in early 2022, and after some months of using it I closed it in December 2022 because I wanted a rewards credit card and not a cashback credit card), in July 2025, the application for DCB was finally approved, and I was happy at last. But then suddenly, after 3 days, HDFC mysteriously again rejected the application citing "internal reasons", and that they'll again give me the Millennia card I'd closed in December 2022. So I escalated to the escalation.cc@hdfcbank.com email, which continuously delayed it for 1.5 months, and by end of August, said that they can only give me Millennia card. I then escalated to the grievance redressalcc email, but same result, and now I have escalated it the PNO and even CC'd the email to HDFC MD, Sashidhar Jagdishan. Finally now I have received an email from the MD desk senior management that they'll review my application once again, why it was rejected after being approved.

Now my question is, should I go ahead with complaining to the RBI BO if the senior management desk too says that they can only give me Millennia? I am thinking that if I complain to the RBI, I will do so on 3 grounds - arbitrary rejection of my preferred card (DCB) after approval without clear reasons, pushing me to accept a card product I previously had and now don't want (Millennia) and continuous delays which is causing me mental harassment.

Should I proceed with this course of action if even the senior management again pushes me for Millennia? Or is there a better option?

 

[snjn]

Rbi has not directed hdfc to issue ltf credit card....hdfc told rbi that we have converted customer cc to ltf... bhai, post karne se pehle theek se padh liya karo

Rbi never issue such directions to issue ltf cc to customer

Ok bhai. 😐 Information share karna gunah ho gaya hai is portal pe.

 

[snjn]

Actually, @snjn , I am in a similar situation. After almost 2 years of continuously talking to HDFC about them giving me a Diners Club Black Metal Credit Card to me (they had previously given me a Millennia credit card to me when I'd applied for the DCB in early 2022, and after some months of using it I closed it in December 2022 because I wanted a rewards credit card and not a cashback credit card), in July 2025, the application for DCB was finally approved, and I was happy at last. But then suddenly, after 3 days, HDFC mysteriously again rejected the application citing "internal reasons", and that they'll again give me the Millennia card I'd closed in December 2022. So I escalated to the escalation.cc@hdfcbank.com email, which continuously delayed it for 1.5 months, and by end of August, said that they can only give me Millennia card. I then escalated to the grievance redressalcc email, but same result, and now I have escalated it the PNO and even CC'd the email to HDFC MD, Sashidhar Jagdishan. Finally now I have received an email from the MD desk senior management that they'll review my application once again, why it was rejected after being approved.

Now my question is, should I go ahead with complaining to the RBI BO if the senior management desk too says that they can only give me Millennia? I am thinking that if I complain to the RBI, I will do so on 3 grounds - arbitrary rejection of my preferred card (DCB) after approval without clear reasons, pushing me to accept a card product I previously had and now don't want (Millennia) and continuous delays which is causing me mental harassment.

Should I proceed with this course of action if even the senior management again pushes me for Millennia? Or is there a better option?

Bhai yar is case m RBI help nhi kr payga sayad. Mera case alag tha Alumni offer k under DCB ki eligibility thi. Bank bas delay kr rha tha sab documents lene k bad. (5-6 months delay)

Mere hisab se aap MD Desk k decision ka wait krlo sayad approve krde. Baki RBI BO ja skte but chances Kam h.

Anyway agar try nhi kroge to koi ghar p dene nhi ayga. 👋 Try krlo.

 

[a7c]

Bhai yar is case m RBI help nhi kr payga sayad. Mera case alag tha Alumni offer k under DCB ki eligibility thi. Bank bas delay kr rha tha sab documents lene k bad. (5-6 months delay)

Mere hisab se aap MD Desk k decision ka wait krlo sayad approve krde. Baki RBI BO ja skte but chances Kam h.

Anyway agar try nhi kroge to koi ghar p dene nhi ayga. 👋 Try krlo.

Why do you think RBI has less chance of helping in my case? Isn't rejecting an approved card (DCB) without proper reasons and then giving something which I specifically don't want (Millennia) enough grounds to go to the RBI?

 

[snjn]

Why do you think RBI has less chance of helping in my case? Isn't rejecting an approved card (DCB) without proper reasons and then giving something which I specifically don't want (Millennia) enough grounds to go to the RBI?

Bhai internal criteria bolke reject kr skte wo log. Mere case m limit already 5 lakh thi, spending bhi thi and Alumni criteria m aur log ko mila tha to reject kr nhi skte the.

Phir bhi try kro, itna delay kia h to kuch na kuch to compensate krna pdega. Sayad approve krde.

 

[a7c]

Bhai internal criteria bolke reject kr skte wo log. Mere case m limit already 5 lakh thi, spending bhi thi and Alumni criteria m aur log ko mila tha to reject kr nhi skte the.

Phir bhi try kro, itna delay kia h to kuch na kuch to compensate krna pdega. Sayad approve krde.

So I can ask for compensation also to the RBI for continuous delays?

 

[snjn]

So I can ask for compensation also to the RBI for continuous delays?

DM kro bhai.

 

[Avatar Aang]

Bhai internal criteria bolke reject kr skte wo log. Mere case m limit already 5 lakh thi, spending bhi thi and Alumni criteria m aur log ko mila tha to reject kr nhi skte the.

Phir bhi try kro, itna delay kia h to kuch na kuch to compensate krna pdega. Sayad approve krde.

AFAIK bank cannot reject by stating internal criteria. They have to give exact reason. One of TFCians has already claimed compensation from different banks for not providing exact reason for rejection of credit card application.
However, the bank can simply reply that it's a business decision and RBI would be helpless.