Regalia upgrade to DCB/DCP. Suggestions needed.

[suhailmz]

Hi everyone,

I’m using HDFC Regalia card & getting an option to upgrade to DCB/DCP. My Regalia card was 1YF so will be paid from next year. DCB/DCP are both paid with 2500+2500 , 10k+10k respectively as joining + annual charges.
My estimated annual spends are about 4-5 lakh for HDFC card. What would you recommend? Final goal is to go for Infinia.

Note: My Regalia has just 3.45 lakh limit. The upgrade might give me an enhanced limit.

 

[Max]

DCB has yearly fee waiver at minimum spend of Rs 5L per year. Given your final goal is to go for Infinia, I would suggest to move to DCB, get increased CL over time to 8-10L, and then request for Infinia.

I did the same, was on DCB for ~2yrs, during which I asked for / got 2 CLEs from 5L to 8L and then to 10L, and then once I had ~8L+ spends over a 6 month period, requested for an upgrade to Infinia which I got FYF.

 

[suhailmz]

DCB has yearly fee waiver at minimum spend of Rs 5L per year. Given your final goal is to go for Infinia, I would suggest to move to DCB, get increased CL over time to 8-10L, and then request for Infinia.

I did the same, was on DCB for ~2yrs, during which I asked for / got 2 CLEs from 5L to 8L and then to 10L, and then once I had ~8L+ spends over a 6 month period, requested for an upgrade to Infinia which I got FYF.

Noted. I am trying for DCB FYF. Hoping to get it soon

 

[NikTravelEnthusiast]

Hi everyone,

I’m using HDFC Regalia card & getting an option to upgrade to DCB/DCP. My Regalia card was 1YF so will be paid from next year. DCB/DCP are both paid with 2500+2500 , 10k+10k respectively as joining + annual charges.
My estimated annual spends are about 4-5 lakh for HDFC card. What would you recommend? Final goal is to go for Infinia.

Note: My Regalia has just 3.45 lakh limit. The upgrade might give me an enhanced limit.

How many years you used Regalia before getting an upgrade offer to DCB?

 

[suhailmz]

How many years you used Regalia before getting an upgrade offer to DCB?

9 months as of today.

 

[sv004]

Whats ur monthly spends

 

[suhailmz]

Whats ur monthly spends

40-50k

 

[NikTravelEnthusiast]

I also have 3.5 Limit Regalia LTF which I got upgraded last month. Should I wait for an upgrade offer for DCB this year Or should I apply for Axis Magnus ? Mainly my moto is for travel. Including rent I spend arround 70 K per month on credit cards.

 

[suhailmz]

I also have 3.5 Limit Regalia LTF which I got upgraded last month. Should I wait for an upgrade offer for DCB this year Or should I apply for Axis Magnus ? Mainly my moto is for travel. Including rent I spend arround 70 K per month on credit cards.

I’ve heard that Magnus is a great card. You can definitely consider it. Since your monthly spends are good too, regalia in my opinion seems a bit lower variant card for you. As for DCB, it’s hard to get a pre approved offer so early. My experience with HDFC is Min 1 year for upgrade offer. May be try for limit enhancement after 6 months & then try for DCB.

 

[NikTravelEnthusiast]

I’ve heard that Magnus is a great card. You can definitely consider it. Since your monthly spends are good too, regalia in my opinion seems a bit lower variant card for you. As for DCB, it’s hard to get a pre approved offer so early. My experience with HDFC is Min 1 year for upgrade offer. May be try for limit enhancement after 6 months & then try for DC

I’ve heard that Magnus is a great card. You can definitely consider it. Since your monthly spends are good too, regalia in my opinion seems a bit lower variant card for you. As for DCB, it’s hard to get a pre approved offer so early. My experience with HDFC is Min 1 year for upgrade offer. May be try for limit enhancement after 6 months & then try for DCB.

Thank you so much for suggestions.

 

[Max]

I also have 3.5 Limit Regalia LTF which I got upgraded last month. Should I wait for an upgrade offer for DCB this year Or should I apply for Axis Magnus ? Mainly my moto is for travel. Including rent I spend arround 70 K per month on credit cards.

Axis Magnus becomes a good card, only if you can consistently hit a 1L per month spend milestone. Please keep that in mind as you make your decision.

 

[suhailmz]

Axis Magnus becomes a good card, only if you can consistently hit a 1L per month spend milestone. Please keep that in mind as you make your decision.

Yes we should always keep the spending factor in mind & not get carried away by the offers.