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Should I take the LTF DCP now or wait?

LiamHouse

TF Premier
Hello,

I wanted to know if it's a good idea to take the DCP that is being offered LTF to everyone right now. I already have a good card setup that does enough for all my spends. The only useful cards that I could get from HDFC are DCB or Infinia which I am not eligible from the income in India criteria, I would not use this DCP at all except for HDFC offers or if I have the limit enough for an upgrade. I have been maintaining over 8L mab in my imperia account for the past 2 quarters (my account is 3 quarters old) and I was hoping for a regalia gold LTF offer at minimum but seeing the bumped-up requirements I'm having FOMO of not applying for DCP LTF.

Is it a good idea to apply for this card right now considering I don't even know the limit on offer? If I get a high enough limit, then I can easily spend the required amount to be upgraded to Infinia or DCB in a month or two. Is there any way to find the limit that is being offered? At minimum I would like to have the limit required for DCB metal. Should I just wait for the next offer or apply right away? I don't care about the fee situation for future cards as with a high enough limit I will go to DCB/Infinia in the first 6 months itself.
 
If your aim is DCB then DCP is good choice
If your aim is infinia the Regalia Gold is good choice.
yes, but HDFC is painfully slow in offering limit enhancements, I do not want to be stuck with a 50k limit when I maintain over 8L in my savings account and then fight for LE, I do not have income documents to match my spends and limit requirements.
 
There are few who got upgraded along with limit enhancement.

I have one friend who was holding regalia gold with 2L limit but his spends was only on that card so he got upgraded to infinia metal along with LE to 8L on request.

In your case as you have such relationship then Upgrade will be easy for you but minimum 6 months you have to bare that card as LE or Upgrade start rolling out afte 6 months only.

Meantime you can request from yourside after completing 3 months by dropping decent mail to grievance.Redressalcc mail id of hdfc. If you are eligible on the basis of spend pattern/criteria and relationship it will upgraded.
And if you are maintaining 8L in account that mean you definitely having RM. You can also push for Upgrade through him/her.
 
There are few who got upgraded along with limit enhancement.

I have one friend who was holding regalia gold with 2L limit but his spends was only on that card so he got upgraded to infinia metal along with LE to 8L on request.

In your case as you have such relationship then Upgrade will be easy for you but minimum 6 months you have to bare that card as LE or Upgrade start rolling out afte 6 months only.

Meantime you can request from yourside after completing 3 months by dropping decent mail to grievance.Redressalcc mail id of hdfc. If you are eligible on the basis of spend pattern/criteria and relationship it will upgraded.
And if you are maintaining 8L in account that mean you definitely having RM. You can also push for Upgrade through him/her.
this is exactly what I don't want to do. I can't be bothered with begging hdfc for limit extensions. I want about 5L in limit off the start so I can get a decent card. When I try to select Regalia Gold it says I'm not eligible so clearly, I won't be given a high limit so is it still worth taking this card?
 
this is exactly what I don't want to do. I can't be bothered with begging hdfc for limit extensions. I want about 5L in limit off the start so I can get a decent card. When I try to select Regalia Gold it says I'm not eligible so clearly, I won't be given a high limit so is it still worth taking this card?
On limit no one can ganrantee.
Even hdfc bm can't give you word on that. That's clearly on your salary/ITR value as you are applying for first time with hdfc
 
this is exactly what I don't want to do. I can't be bothered with begging hdfc for limit extensions. I want about 5L in limit off the start so I can get a decent card. When I try to select Regalia Gold it says I'm not eligible so clearly, I won't be given a high limit so is it still worth taking this card?
Dcb & RG base cl is 5L & 3L respectively. So if RG isn't on the list, it would be less than 3L. How less, you never know! Base cl of Millenia is 1L, but many have got it at 50k cl (some cases at 20k also) in case of preapproved offer.

getting cl less than base cl of applied cc is more likely than getting cl more than base cl of a higher variant card.
 
Dcb & RG base cl is 5L & 3L respectively. So if RG isn't on the list, it would be less than 3L. How less, you never know! Base cl of Millenia is 1L, but many have got it at 50k cl (some cases at 20k also) in case of preapproved offer.

getting cl less than base cl of applied cc is more likely than getting cl more than base cl of a higher variant card.
then it's a joke, people maintaining 20k a month are getting the same offers as me after I maintain close to 10L lmao. yeah, not applying for it now.
 
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