Shall I close Tata Neu to get core HDFC Card?

[minhazuddin]

Since 2 years, my HDFC Tata Neu Plus limit is same. No expectation from HDFC for the limit increase. Whenever I apply for HDFC core cards like Millennia, MoneyBack Plus, Regalia Gold, they just reject the application citing no clear reason. So, Is it a fact that HDFC don't issue core cards when one have co-branded card.

 

[Akashn]

Yes. Close Tata neu and apply c2c from branch

 

[Vasuki]

Since 2 years, my HDFC Tata Neu Plus limit is same. No expectation from HDFC for the limit increase. Whenever I apply for HDFC core cards like Millennia, MoneyBack Plus, Regalia Gold, they just reject the application citing no clear reason. So, Is it a fact that HDFC don't issue core cards when one have co-branded card.

Close it .. if u have other cards ..
Wait for pre approved offer or apply c2c after 3 month .
After closing tata neu card .
Email customer care the noc / card closed confirmation from hdfc & get tata neu cc removed from neu app .


This solves your query !!

 

[Vasuki]

Yes. Close Tata neu and apply c2c from branch

I c i c i 🥸

 

[minhazuddin]

Close it .. if u have other cards ..
Wait for pre approved offer or apply c2c after 3 month .
After closing tata neu card .
Email customer care the noc / card closed confirmation from hdfc & get tata neu cc removed from neu app .


This solves your query !!

Thanks for the guidance. I'm gonna close it right away.

 

[Bhanu Agarwal]

I am using tata neu from last 1 year & now I am going to charge annual fee of Rs.1499 + 18% GST = Rs.1,768.82

I spent almost 1,60,000 with this card & accumulated around 2000 points. So if I calculate 2000 - 1768.82 = Rs.231.18.

So using this card only for UPI spends doesn't seems to be good for me as there are other LTF cards which give 0.5% per 100 spend. Means if I would have use that card I would have get Rs.800 (1,60,000 * 0.005)

Note:
I sent mail to multiple folks including pno but rejected to make it as LTF.

 

[newinnov]

I am using tata neu from last 1 year & now I am going to charge annual fee of Rs.1499 + 18% GST = Rs.1,768.82

I spent almost 1,60,000 with this card & accumulated around 2000 points. So if I calculate 2000 - 1768.82 = Rs.231.18.

So using this card only for UPI spends doesn't seems to be good for me as there are other LTF cards which give 0.5% per 100 spend. Means if I would have use that card I would have get Rs.800 (1,60,000 * 0.005)

Note:
I sent mail to multiple folks including pno but rejected to make it as LTF.

Mail when IPL is going. Tata only offers ltf nearby to ipl

 

[Bhanu Agarwal]

Mail when IPL is going. Tata only offers ltf nearby to ipl

Bhai, IPL already running & I mailed 10 days back only

 

[NewPlayer]

I am using tata neu from last 1 year & now I am going to charge annual fee of Rs.1499 + 18% GST = Rs.1,768.82

I spent almost 1,60,000 with this card & accumulated around 2000 points. So if I calculate 2000 - 1768.82 = Rs.231.18.

So using this card only for UPI spends doesn't seems to be good for me as there are other LTF cards which give 0.5% per 100 spend. Means if I would have use that card I would have get Rs.800 (1,60,000 * 0.005)

Note:
I sent mail to multiple folks including pno but rejected to make it as LTF.

If your usage is limited to UPI only, better to switch on Tata Neu Plus CC instead of Infinity. Tata Neu Plus has 499+18% GST = Rs 588.82
So as per your 2000 Neu Coins from 1.5% reward rate, your UPI usgae must have been around ~133333.
On same amount with Tata Neu Plus card, reward neu coins will be around 1333. So profit would be 1333-588 = Rs 745. (Better than infinity)

 

[Deleted member 30446]

I did this a month back. Let's see what offer I get. Old Tata Neu Card had a pretty low limit of 125k.

 

[Bhanu Agarwal]

If your usage is limited to UPI only, better to switch on Tata Neu Plus CC instead of Infinity. Tata Neu Plus has 499+18% GST = Rs 588.82
So as per your 2000 Neu Coins from 1.5% reward rate, your UPI usgae must have been around ~133333.
On same amount with Tata Neu Plus card, reward neu coins will be around 1333. So profit would be 1333-588 = Rs 745. (Better than infinity)

That also not good. As LTF like BOB giving Rs.800 something without any charge like stuffs

 

[Bhanu Agarwal]

If your usage is limited to UPI only, better to switch on Tata Neu Plus CC instead of Infinity. Tata Neu Plus has 499+18% GST = Rs 588.82
So as per your 2000 Neu Coins from 1.5% reward rate, your UPI usgae must have been around ~133333.
On same amount with Tata Neu Plus card, reward neu coins will be around 1333. So profit would be 1333-588 = Rs 745. (Better than infinity)

I guess, yearly charges also be reversed if I spend more than 1 Lakh for low variant of tata neu

But I don't want to constraint myself with 1 Lakh spend. --> better I go with BOB LTF only (no redemption fee nothing...)

 

[Deleted member 30446]

I guess, yearly charges also be reversed if I spend more than 1 Lakh for low variant of tata neu

It is definitely possible to get the Tata cards converted into LTF. Just spam PNO and say you will move your relationship away from HDFC.

 

[NewPlayer]

I guess, yearly charges also be reversed if I spend more than 1 Lakh for low variant of tata neu

Yep, with Rs. 1lakh within a year yearly charges will be waived off so another 588 saved.
Yay 🤝

 

[Bhanu Agarwal]

It is definitely possible to get the Tata cards converted into LTF. Just spam PNO and say you will move your relationship away from HDFC.

Buddy I did almost 4 times with PNO. But that lady Bhanu something... rejected & even called me 🤣

Nobody used to get call from PNO but seems she called me somehow

 

[shrewdoc]

It is definitely possible to get the Tata cards converted into LTF. Just spam PNO and say you will move your relationship away from HDFC.

I think extreme steps should be reserved for extreme opportunities like Card Upgrades or Limit Enhancements.

Using the same for converting cards to LTF sounds like a Wasted Opportunity!

 

[Deleted member 30446]

Buddy I did almost 4 times with PNO. But that lady Bhanu something... rejected & even called me 🤣

If you really want it to be LTF then you could cancel it and after reapplying try the not activating for 20 days trick for LTF

 

[Bhanu Agarwal]

If you really want it to be LTF then you could cancel it and after reapplying try the not activating for 20 days trick for LTF

ohhh!!!!
Will they give same card again if customer cancels that card already once ????????????? --> strange

 

[NewPlayer]

That also not good. As LTF like BOB giving Rs.800 something without any charge like stuffs

Yes, if BOB card has no exclusion, then it is definitely worth looking for that option.
My favorite part with Tata neu HDFC CC is, there is no exclusion list of MCC (so far).

 

[Deleted member 30446]

ohhh!!!!
Will they give same card again if customer cancels that card already once ????????????? --> strange

yes they will but only after 6 or so months