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Should I close current HDFC cc to get better LTF cc?

Harjeevansingh

TF Buzz
VIP Lounge
Hey everyone,

I currently own multiple HDFC cc as mentioned below with combined limit of 2.5L -
Millennia LTF
Swiggy FTF (with next years fee waiver limit achieved)
Neu Infinity FTF (with next years fee waiver limit achieved)

I have these cards issued 2-3 years back when I had lesser salary, at that time I got millennia LTF.
Now, i have better salary 32L+ and I read somewhere(plus suggested by an agent) if I close all my HDFC cc now, then after few months I will be able to get c2c LTF cc from HDFC which can be regalia, diner privilege, or may be DCB (i dont think so, but agent assured).

Need suggestions that should I go ahead with above approach because ultimate aim is Infinia and for that 10L limit is needed which I am not able to get on above cards, i have tried multiple times. Want to make sure, above closing all HDFC cc wont have any negative impact on my relation with HDFC for future cc, loan or cibil.

Till that time I have other good cards which I am using primary which are Axis Select LTF(6L limit) , AU Zenith LTF (8L limit). So, it wont affect me much except for swiggy and big basket benefits.

TIA
 
Hey everyone,

I currently own multiple HDFC cc as mentioned below with combined limit of 2.5L -
Millennia LTF
Swiggy FTF (with next years fee waiver limit achieved)
Neu Infinity FTF (with next years fee waiver limit achieved)

I have these cards issued 2-3 years back when I had lesser salary, at that time I got millennia LTF.
Now, i have better salary 32L+ and I read somewhere(plus suggested by an agent) if I close all my HDFC cc now, then after few months I will be able to get c2c LTF cc from HDFC which can be regalia, diner privilege, or may be DCB (i dont think so, but agent assured).

Need suggestions that should I go ahead with above approach because ultimate aim is Infinia and for that 10L limit is needed which I am not able to get on above cards, i have tried multiple times. Want to make sure, above closing all HDFC cc wont have any negative impact on my relation with HDFC for future cc, loan or cibil.

Till that time I have other good cards which I am using primary which are Axis Select LTF(6L limit) , AU Zenith LTF (8L limit). So, it wont affect me much except for swiggy and big basket benefits.

TIA
First of all you have some of the very good credit cards of HDFC. So don't rush to close them.

Secondly you have met the waiver criteria for the two of the cards separately and I'm assuming if millennia was paid you also would have met the waiver criteria easily. So you are a good spender also.

Thirdly you have a very good pay check.

So there is no reason for any bank to refuse you for most of the cards.

I'll say you keep your others cards aside and channel your maximum spending on millennia card make a good spend and after a month request on grievance redressal mail to increase the limit, if required send documents to Chennai office. Once limit reaches more than the floor limit of your desired card ask for it after a good spend.

Surely they will consider. HDFC doesn't consider most of the request if there isn't a significant spending.
 
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