Suggest a HDFC credit card for upgrade from Moneyback

[rashedmyt]

Hi all,

I am looking to upgrade my Moneyback LTF credit card which has 9L limit and have been using for 4 years to something more meaningful. I have a HDFC salary account in Imperia programme with 10L in savings account. The company I work for is also present in the corporate list shared in one of the threads. When checked in https://apply.hdfcbank.com/Vivid/ccuiux_new, I have offers for

• Diners Club Black Metal Edition
• Diners Club Privilege
• Shoppers Stop HDFC Bank Credit Card
• 6E Rewards -IndiGo HDFC Bank Credit Card
• 6E Rewards XL-IndiGo HDFC Bank Credit Card

I used to do my spends on Amazon Pay ICICI card which has 4L limit, but shifted to MB this month when I learned last 6 months spends play crucial role when upgrading credit card. I have spends around 2.5L annually which includes rent (1.85L), groceries and subscriptions. I occasionally spend on Amazon, Swiggy, Zomato, Ola and Rapido. I am also looking to take Term and Health insurance and also some domestic vacation.

Considering the above spend pattern, I am looking for a LTF card which can maximize rewards. I will mostly be looking to spend the reward points to buy flight tickets, holiday packages and apple products. Here are a couple of questions related to this

1. Since I am working in a company which has a tie up with HDFC, Can I get the Regalia Gold or DCB Metal as LTF cards by upgrading through the branch?
2. If Regalia Gold and DCB Metal are not ideal for my spending pattern, please suggest an alternative card which I can get as LTF.
3. After upgrading the Moneyback credit card to some other card, how will my CIBIL score be impacted?
   1. Will the account of Moneyback card be closed and new account opened? Moneyback is my oldest card.
   2. Will the upgraded card have same number as my current card?
   3. Will the credit limit of the upgraded card be same or better as my current card?

Thanks in advance for taking the time to view my query and providing guidance. Looking forward to engaging more with the Techno Fino community.

 

[navdeep22]

1. I am not sure if they will give you dinners club metal LTF, but they will surely give you regalia gold ltf. They gave me marriot bonvoy LTF and I already had millennia LTF, I also hold imperia salary account. Look at this thread for more detials
Post in thread 'HDFC Mariott Bonvoy LTF' https://www.technofino.in/community/threads/hdfc-mariott-bonvoy-ltf.20698/post-629406

2. Looking at your spends you should go with millennia credit card for cashback as it gives 5% on mostly all needs you are looking for

3. No cibil hit, and if u get ads on your current card will remain at it is and credit limit will be shared. If you opt for upgrade, you will be given new card with new number and same limit. For limit increase there will be seperate process

 

[lightwaves]

Hi all,

I am looking to upgrade my Moneyback LTF credit card which has 9L limit and have been using for 4 years to something more meaningful. I have a HDFC salary account in Imperia programme with 10L in savings account. The company I work for is also present in the corporate list shared in one of the threads. When checked in https://apply.hdfcbank.com/Vivid/ccuiux_new, I have offers for

• Diners Club Black Metal Edition
• Diners Club Privilege
• Shoppers Stop HDFC Bank Credit Card
• 6E Rewards -IndiGo HDFC Bank Credit Card
• 6E Rewards XL-IndiGo HDFC Bank Credit Card

I used to do my spends on Amazon Pay ICICI card which has 4L limit, but shifted to MB this month when I learned last 6 months spends play crucial role when upgrading credit card. I have spends around 2.5L annually which includes rent (1.85L), groceries and subscriptions. I occasionally spend on Amazon, Swiggy, Zomato, Ola and Rapido. I am also looking to take Term and Health insurance and also some domestic vacation.

Considering the above spend pattern, I am looking for a LTF card which can maximize rewards. I will mostly be looking to spend the reward points to buy flight tickets, holiday packages and apple products. Here are a couple of questions related to this

1. Since I am working in a company which has a tie up with HDFC, Can I get the Regalia Gold or DCB Metal as LTF cards by upgrading through the branch?
2. If Regalia Gold and DCB Metal are not ideal for my spending pattern, please suggest an alternative card which I can get as LTF.
3. After upgrading the Moneyback credit card to some other card, how will my CIBIL score be impacted?
   1. Will the account of Moneyback card be closed and new account opened? Moneyback is my oldest card.
   2. Will the upgraded card have same number as my current card?
   3. Will the credit limit of the upgraded card be same or better as my current card?

Thanks in advance for taking the time to view my query and providing guidance. Looking forward to engaging more with the Techno Fino community.

Check with your RM and request Regalia Gold.

 

[agrprashantagrprashant is verified member.]

1. I am not sure if they will give you dinners club metal LTF, but they will surely give you regalia gold ltf. They gave me marriot bonvoy LTF and I already had millennia LTF, I also hold imperia salary account. Look at this thread for more detials
Post in thread 'HDFC Mariott Bonvoy LTF' https://www.technofino.in/community/threads/hdfc-mariott-bonvoy-ltf.20698/post-629406

2. Looking at your spends you should go with millennia credit card for cashback as it gives 5% on mostly all needs you are looking for

3. No cibil hit, and if u get ads on your current card will remain at it is and credit limit will be shared. If you opt for upgrade, you will be given new card with new number and same limit. For limit increase there will be seperate process

Do you get 1 FNA for HDFC Bonvoy card LTF card renewal?

 

[navdeep22]

Do you get 1 FNA for HDFC Bonvoy card LTF card renewal?

i did not get you

 

[agrprashantagrprashant is verified member.]

i did not get you

The Free Night Award (hotel stay) for up to 15000 points that you get on paying joining fees and renewal fees, do you get it on the LTF card renewal as well?

 

[navdeep22]

in first year yes,, not sure about renewal
PFA

 

[sidp]

. I have spends around 2.5L annually which includes rent (1.85L), groceries and subscriptions. I occasionally spend on Amazon, Swiggy, Zomato, Ola and Rapido.

.

1. Since I am working in a company which has a tie up with HDFC, Can I get the Regalia Gold or DCB Metal as LTF cards by upgrading through the branch?
2. If Regalia Gold and DCB Metal are not ideal for my spending pattern, please suggest an alternative card which I can get as LTF.

Your annual spend outside rent is 65k? If it is less than 5L, millenia would be best choice. You will easily get it as ltf. Dcb ltf would be highly unlikely. But if you get it as ltf take it.

1. After upgrading the Moneyback credit card to some other card, how will my CIBIL score be impacted?
   1. Will the account of Moneyback card be closed and new account opened? Moneyback is my oldest card.

You never know. Hdfc keeps old card active in cibil for most. But closes for some.

1. Will the upgraded card have same number as my current card?

You already have 9L cl, mostlikely they won't give you higher cl. The chance of higher cl is even lower in case you choose millenia.

1. Will the credit limit of the upgraded card be same or better as my current card?

Upgraded card no will be different. Card no depends on network and tier which is different for each one.