Suggestion regarding proposal from HDFC

[Batmanbaba]

So I got my tata neu plus card last month with a limit of 70000. After getting my card I started my target of getting a core hdfc card. I requested for a Millenia card along with this tata neu plus card as many regular core hdfc card holders were getting tata neu card too. My first mail to customer care was not met with positive response. So I requested again to grievance redressal team. They also rejected to give two cards.

So I proposed them to downgrade/upgrade my card to millenia ltf. They are not ready to evn give that. They are only ready to give me MoneyBack plus first year free... Then chargeable from 2nd year. Fees reversal is at 50000 spends.

Considering the fact that only tata product I use is bigbasket and it gives 3.33% on MoneyBack card whereas on tata neu plus card I only get 2%..5% will ge given to all tata neu pass holders.

On other hand tata neu gives 1% on every other site except tata neu... Whereas moneyback only gives 2 points per 150...but it gives as a cashback points which we can get as statement credit for free whereas on tata cards we get it as neu coins. Also on swiggy, flipkart and amazon its giving 3.33% and annual fees waiver is only 50000 as compared to 1 lakh in tata neu card. Also on quaterly spends on 50000... 500 rs voucher will also be given.


Should I change my card to moneyback plus or keep tata neu card?? If I take this moneyback paid card are there chances of update in future to millenia!/ Regalia or above as ltf..?? Or should I mail once to nodal officer and see if they give it as ltf.. Millenia or moneyback plus card..!!? I am also a savings account holder in hdfc

 

[Tosh]

My two cents.

Honestly i dislike when Cashback/rewards limit you to a certain app and websites. It feels more like a conditional discount than reward at that point.

I would personally go with Moneyback use it for one two months and ask for upgrade post limit enhancement - usually once every 6 mths with HDFC.

That way I unlock potentially better cards and rewards won't be tied to one particular ecosystem.

Again may not be the optimal way forward but this is something I would have done.

 

[PavanPavan is verified member.]

Baba untill your limit is 1 LAKH they can;t upgrade to melinia and you can get limit upgrade even on tata neu

 

[007]

So I got my tata neu plus card last month with a limit of 70000. After getting my card I started my target of getting a core hdfc card. I requested for a Millenia card along with this tata neu plus card as many regular core hdfc card holders were getting tata neu card too. My first mail to customer care was not met with positive response. So I requested again to grievance redressal team. They also rejected to give two cards.

So I proposed them to downgrade/upgrade my card to millenia ltf. They are not ready to evn give that. They are only ready to give me MoneyBack plus first year free... Then chargeable from 2nd year. Fees reversal is at 50000 spends.

Considering the fact that only tata product I use is bigbasket and it gives 3.33% on MoneyBack card whereas on tata neu plus card I only get 2%..5% will ge given to all tata neu pass holders.

On other hand tata neu gives 1% on every other site except tata neu... Whereas moneyback only gives 2 points per 150...but it gives as a cashback points which we can get as statement credit for free whereas on tata cards we get it as neu coins. Also on swiggy, flipkart and amazon its giving 3.33% and annual fees waiver is only 50000 as compared to 1 lakh in tata neu card. Also on quaterly spends on 50000... 500 rs voucher will also be given.


Should I change my card to moneyback plus or keep tata neu card?? If I take this moneyback paid card are there chances of update in future to millenia!/ Regalia or above as ltf..?? Or should I mail once to nodal officer and see if they give it as ltf.. Millenia or moneyback plus card..!!? I am also a savings account holder in hdfc

Get Moneyback Plus, your Tata Neu is chargeable anyway so don't bother about LTF. And spend based reversal you can easily hit, I know! 😉
Moneyback isn't co-branded so won't be an issue upgrading it to Millennia (within a year). Regalia isn't worthy anyway, if you aren't redeeming on travel or spending much on it.
Ask them to give spend based LTF instead of FYF if possible, that would be best.

 

[Batmanbaba]

Get Moneyback Plus, your Tata Neu is chargeable anyway so don't bother about LTF. And spend based reversal you can easily hit, I know! 😉
Ask them to give spend based LTF if possible, that would be best imo.

We infer from your e-mail that you wish to have your current TATA NEU HDFC Bank credit card variant to be upgraded to Moneyback Plus HDFC Bank credit card variant as First Year Free. We wish to inform you that we will be able to review your request for Diners black credit card at pricing: First Year Free i.e. Joining Fee : Nil, Renewal Fee: Rs. 500 + GST, renewal fee will be waived off upon spends of Rs.50,000 in previous membership year.



Hence, regret our inability to accede to your request as Life time free credit card



This is what I got... One thing is ringing my head... Is Moneyback plus available on diners club?? Or only visa/mastercard /rupay.... I dont want on diners club network.

 

[007]

We infer from your e-mail that you wish to have your current TATA NEU HDFC Bank credit card variant to be upgraded to Moneyback Plus HDFC Bank credit card variant as First Year Free. We wish to inform you that we will be able to review your request for Diners black credit card at pricing: First Year Free i.e. Joining Fee : Nil, Renewal Fee: Rs. 500 + GST, renewal fee will be waived off upon spends of Rs.50,000 in previous membership year.



Hence, regret our inability to accede to your request as Life time free credit card



This is what I got... One thing is ringing my head... Is Moneyback plus available on diners club?? Or only visa/mastercard /rupay.... I dont want on diners club network.

Till now I haven't heard about anyone holding Moneyback on Diners network. Ask them to issue specifically on Visa/Mastercard/Rupay network.

 

[TheTrickySid]

So I got my tata neu plus card last month with a limit of 70000. After getting my card I started my target of getting a core hdfc card. I requested for a Millenia card along with this tata neu plus card as many regular core hdfc card holders were getting tata neu card too. My first mail to customer care was not met with positive response. So I requested again to grievance redressal team. They also rejected to give two cards.

So I proposed them to downgrade/upgrade my card to millenia ltf. They are not ready to evn give that. They are only ready to give me MoneyBack plus first year free... Then chargeable from 2nd year. Fees reversal is at 50000 spends.

Considering the fact that only tata product I use is bigbasket and it gives 3.33% on MoneyBack card whereas on tata neu plus card I only get 2%..5% will ge given to all tata neu pass holders.

On other hand tata neu gives 1% on every other site except tata neu... Whereas moneyback only gives 2 points per 150...but it gives as a cashback points which we can get as statement credit for free whereas on tata cards we get it as neu coins. Also on swiggy, flipkart and amazon its giving 3.33% and annual fees waiver is only 50000 as compared to 1 lakh in tata neu card. Also on quaterly spends on 50000... 500 rs voucher will also be given.


Should I change my card to moneyback plus or keep tata neu card?? If I take this moneyback paid card are there chances of update in future to millenia!/ Regalia or above as ltf..?? Or should I mail once to nodal officer and see if they give it as ltf.. Millenia or moneyback plus card..!!? I am also a savings account holder in hdfc

Can you explain the 3.33% reward structure on MoneyBack I am a bit confused

 

[Batmanbaba]

Can you explain the 3.33% reward structure on MoneyBack I am a bit confused

10x rewards on websites like swiggy, bigbasket, amazon, flipkart and reliance smart stores

 

[Wealth is my birth right!]

Yes hdfc want to issue more cards on diners network that’s how lot of new ppl got millennia cc guys got on dcb network
But money back with diners logo first time hearing
Anyways its hdfc all possible

 

[hakunamatata]

We infer from your e-mail that you wish to have your current TATA NEU HDFC Bank credit card variant to be upgraded to Moneyback Plus HDFC Bank credit card variant as First Year Free. We wish to inform you that we will be able to review your request for Diners black credit card at pricing: First Year Free i.e. Joining Fee : Nil, Renewal Fee: Rs. 500 + GST, renewal fee will be waived off upon spends of Rs.50,000 in previous membership year.



Hence, regret our inability to accede to your request as Life time free credit card



This is what I got... One thing is ringing my head... Is Moneyback plus available on diners club?? Or only visa/mastercard /rupay.... I dont want on diners club network.

Diners black at 500 fee? What are they smoking

 

[krishc]

they probably meant diners club network only

 

[SDK]

Diners have only 3 Variant only afaik

 

[zealot]

Share HDFC email id

 

[Batmanbaba]

Share HDFC email id

Grievance.Redressalcc@hdfcbank.com

 

[zealot]

Grievance.Redressalcc@hdfcbank.com

Thank you bro, my limit was 30k. What is the floor limit for Money-back Plus?

 

[Batmanbaba]

Thank you bro, my limit was 30k. What is the floor limit for Money-back Plus?

Its basic card so cantvsay... But hdfc usually gives good limits

 

[Wealth is my birth right!]

Diners black at 500 fee? What are they smoking

Not dcb card dude
It’s like millennia card with diners network instead of visa or mc

 

[zealot]

Its basic card so cantvsay... But hdfc usually gives good limits

Mailed them. Let's see

 

[zealot]

Mailed them. Let's see

They asked me to wait for six months.

 

[Batmanbaba]

They asked me to wait for six months.

Ya tgey will usually tell that shit... But they do give good limit upgrades.. So its worth wait