Regalia Gold Regalia LTF to Regalia Gold LTF - Bank's mistake of words in MyCards app.

[DeadFella]

I was getting spammed with Regalia LTF to Regalia Gold FYF upgrade offer since almost an year. In hdfc net banking it is clearly showing FYF upgrade, but today checked HDFC my cards. And this upgrade offer is very confusing one. It says "Annual fees are not applicable if your current card is LTF" and my current card is LTF. Anybody with similar experience? Pls share your story and final outcome.

UPDATE : 12th NOV 2024:
They issued FYF card after appying for this upgrade. but escalation to PNO resulted in to LTF conversion. 3-4 other TFinas were also able to convert their FYF in to LTF with same trick. Check your Mycards app, if you are getting same words then apply for LTF upgrade.

 

[helloworld]

• First get the official confirmation (even if you know it) about LTF status of your existing card.
  • Should be in email not verbally.
• Meanwhile upgrade above offer.
• Drop another mail about LTF status of new card.
• If they denied, use 1st mail and this screenshot - escalate further if needed.
  • Your card definitely LTF based on this screenshot, if existing card is LTF.

 

[DeadFella]

My current card is LTF only as i am using since 5 years. without any fees so far. Took all the screenshots and applied for upgrade offer. I will have enough time to escalate and fight for LTF status on new Gold card, as it is will be FYF in worst case. new card should arrive in 3-4 days and i will update further how it goes.

 

[Aditya12]

My current card is LTF only as i am using since 5 years. without any fees so far. Took all the screenshots and applied for upgrade offer. I will have enough time to escalate and fight for LTF status on new Gold card, as it is will be FYF in worst case. new card should arrive in 3-4 days and i will update further how it goes.

Let us know what happens. I am in exactly the same situation as you.

 

[AlgoTrader]

following, also have to check whether i have similar offer

 

[dealminer]

I was getting spammed with Regalia LTF to Regalia Gold FYF upgrade offer since almost an year. In hdfc net banking it is clearly showing FYF upgrade, but today checked HDFC my cards. And this upgrade offer is very confusing one. It says "Annual fees are not applicable if your current card is LTF" and my current card is LTF. Anybody with similar experience? Pls share your story and final outcome.

What's the existing limit?

 

[DeadFella]

What's the existing limit?

It's above 8L.

 

[Aditya12]

I sent a screenshot of the offer to them over email and they replied it’s FYF not LTF. I’ve replied to them why they are misleading on their website then.

 

[DeadFella]

Let us know what happens. I am in exactly the same situation as you.

Emailed hdfc cc team and got shocking reply that my new card is Only FYF, not LTF. So my fight for LTF starts now.

 

[voygers]

Try checking through net banking .if u have it.
Under cards, credit card request , credit card upgrade. Select ur existing card and it will show offer for new cards and upgrade criteria clearly. Fyf or ltd. Hope that helps.

 

[DeadFella]

Try checking through net banking .if u have it.
Under cards, credit card request , credit card upgrade. Select ur existing card and it will show offer for new cards and upgrade criteria clearly. Fyf or ltd. Hope that helps.

It was FYF there in net banking since an year. But opted upgrade from MyCards as it mentioned "No fees applicable if your existing card is LTF" my existing card is LTF which they also confirmed in email. But new card they are giving is FYF only. Yet to receive physical card, virtual cc already generated in MyCards app. So now fighting over emails to convert in to LTF. 😅

 

[helloworld]

It was FYF there in net banking since an year. But opted upgrade from MyCards as it mentioned "No fees applicable if your existing card is LTF" my existing card is LTF which they also confirmed in email. But new card they are giving is FYF only. Yet to receive physical card, virtual cc already generated in MyCards app. So now fighting over emails to convert in to LTF. 😅

escalate till ombudsman, you'll get it.

 

[MOhit __]

Emailed hdfc cc team and got shocking reply that my new card is Only FYF, not LTF. So my fight for LTF starts now.

@helloworld advised you to obtain confirmation before upgrading, so why did not you email them first? 🤥🤥

You are now forced to waste time and endure unnecessary stress.

 

[MOhit __]

I am also receiving the same upgrade offer,
I confirmed with RM, and she said your card is FYF only.

 

[DeadFella]

I am also receiving the same upgrade offer,
I confirmed with RM, and she said your card is FYF only.

in your screenshot there is no where mention of "Fees Not Applicable" like my screenshot. So it's a pure paid upgrade offer for you.

 

[DeadFella]

@helloworld advised you to obtain confirmation before upgrading, so why did not you email them first? 🤥🤥

You are now forced to waste time and endure unnecessary stress.

Yes, I confirmed from email that my existing Regalia card is LTF. but still they issued me FYF upgrade.

 

[DeadFella]

escalate till ombudsman, you'll get it.

mailed PNO and waiting for reply. i think escalatiing to Ombudsman at this stage will be too early.

 

[helloworld]

mailed PNO and waiting for reply. i think escalatiing to Ombudsman at this stage will be too early.

usually this process takes 30+ days. good luck!

 

[RajdeepMaity]

mailed PNO and waiting for reply. i think escalatiing to Ombudsman at this stage will be too early.

Interested in your update as I'm in the same situation

 

[MOhit __]

Yes, I confirmed from email that my existing Regalia card is LTF. but still they issued me FYF upgrade. View attachment 73158

You have been using your credit card for the past five years, and you are already aware that it is LTF
I was referring to your upgraded card