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]

Its 20% increase from current limit

 

[Wealth is my birth right!]

Its 20% increase from current limit

It’s common standard for all after every 6months?

 

[Tosh]

I know two people who have been getting these consistently

 

[Wealth is my birth right!]

I know two people who have been getting these consistently

Good news me too wait for being the 3rd person

 

[shubham0976]

Baba untill your limit is 1 LAKH they can;t upgrade to melinia and you can get limit upgrade even on tata neu
View attachment 6646

I have 3.2L on my hdfc easy emi card and getting millenia upgrade with FYF. can I get some other variant at this limit that should be more beneficial than millenia?

 

[Wealth is my birth right!]

I have 3.2L on my hdfc easy emi card and getting millenia upgrade with FYF. can I get some other variant at this limit that should be more beneficial than millenia?

FYI regalia floor limit 3 l only so push for it

 

[shubham0976]

FYI regalia floor limit 3 l only so push for it

for diners club privelege, what is the floor limit?

 

[VISHESH_BANSAL]

I have 3.2L on my hdfc easy emi card and getting millenia upgrade with FYF. can I get some other variant at this limit that should be more beneficial than millenia?

If you want a Cashback Card the HDFC easymi Credit Card is best Cashback Card of HDFC.

I am holding the same and following are the benefits:-

2.5% cashback for online Spends. Minimum Txn 2000

10%+2.5% cashback for smart buy Instant vouchers . Minimum txn 2000

( 5% for Card feature and 5% regular smartbuy cashback )
Since I got my Card I am getting 10% plus same txn is also getting counted for 2.5% online spends category cashback Separately, so total 12.5% cashback for purchasing vouchers from smart buy

1% cashback on wallet and offline spends excluding fuel.Minimum txn 100

Make sure per txn amount does not exceed 9999. Even if per txn amount exceeded 9999 , you just have to call Customer care once for canceling EMI . You just have to pay GST on Processing Fee that is 17.82 (18% of 99) as GST is not reversed by HDFC Bank

As per my usage auto emi conversation is not a big issue

 

[Wealth is my birth right!]

for diners club privelege, what is the floor limit?

It is 5lac for DCB and for privilege no figure mentioned but something less than DCB i feel

 

[shubham0976]

If you want a Cashback Card the HDFC easymi Credit Card is best Cashback Card of HDFC.

I am holding the same and following are the benefits:-

2.5% cashback for online Spends. Minimum Txn 2000

10%+2.5% cashback for smart buy Instant vouchers . Minimum txn 2000

( 5% for Card feature and 5% regular smartbuy cashback )
Since I got my Card I am getting 10% plus same txn is also getting counted for 2.5% online spends category cashback Separately, so total 12.5% cashback for purchasing vouchers from smart buy

1% cashback on wallet and offline spends excluding fuel.Minimum txn 100

Make sure per txn amount does not exceed 9999. Even if per txn amount exceeded 9999 , you just have to call Customer care once for canceling EMI . You just have to pay GST on Processing Fee that is 17.82 (18% of 99) as GST is not reversed by HDFC Bank

As per my usage auto emi conversation is not a big issue

but my issue is that I am not getting cb for Smartbuy purchases that we get within 2 days into the statement. I entered my csrd number at checkout still didn't got cb. I purchase Amazon gvs of 2.5k.
the merchant name is gyftr com via smartbuy Gurgaon

 

[VISHESH_BANSAL]

but my issue is that I am not getting cb for Smartbuy purchases that we get within 2 days into the statement. I entered my csrd number at checkout still didn't got cb. I purchase Amazon gvs of 2.5k.
the merchant name is gyftr com via smartbuy Gurgaon

I am also not getting. From past few months I noticed Whenever txn Narration is "GYFTR VIA SMARTBUY" cashback is credited without any delay. Whenever different Txn Narration Appears in statement cashback is not credited and followup via E-mail is required .

Last month I purchased 15000 INR worth Vouchers and all benefits are credited as Txn Narration is GYFTR VIA SAMARTBUY.
After 25th OCT HDFC or GYFTR MADE CHANGES IN SYSTEM and Txn Narration after 25th is GYFTR COM VIA SMARTBUY for which cashback is not credited. Either followup or wait 90 days as per standard tncs.

But HDFC will definitely credit it as I have faced it many times. Either HDFC or GYFTR make changes in system frequently. Sometimes cashback credited in two days automatically if not only way is followup via E-Mail. Over E Mail Sometimes HDFC credit the cashback next month or ask us to wait for 90 days.

 

[shubham0976]

I am also not getting. From past few months I noticed Whenever txn Narration is "GYFTR VIA SMARTBUY" cashback is credited without any delay. Whenever different Txn Narration Appears in statement cashback is not credited and followup via E-mail is required .

Last month I purchased 15000 INR worth Vouchers and all benefits are credited as Txn Narration is GYFTR VIA SAMARTBUY.
After 25th OCT HDFC or GYFTR MADE CHANGES IN SYSTEM and Txn Narration after 25th is GYFTR COM VIA SMARTBUY for which cashback is not credited. Either followup or wait 90 days as per standard tncs.

But HDFC will definitely credit it as I have faced it many times. Either HDFC or GYFTR make changes in system frequently. Sometimes cashback credited in two days automatically if not only way is followup via E-Mail. Over E Mail Sometimes HDFC credit the cashback next month or ask us to wait for 90 days.

same I got GYFTR COM VIA SMARTBUY, for which Cashback is not credited within two days. mailed them and got reply wait for 90 days.

 

[shubham0976]

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

upgraded my hdfc money back that is one year old with millenia yesterday, now card is showing in app. while money back will be deactivated. I still have 80k limit on my new millenia card.
also have a question for u. if u upgrade ur tata card to moneyback, then what about the fees of tata card that is going to be charged in 3rd statement??
also you got 499 Neucoins for it. will bank forget it??

The other above comment was for my mother's card which has 3.2L. So dont get confused. @Batmanbaba

 

[Batmanbaba]

upgraded my hdfc money back that is one year old with millenia yesterday, now card is showing in app. while money back will be deactivated. I still have 80k limit on my new millenia card.
also have a question for u. if u upgrade ur tata card to moneyback, then what about the fees of tata card that is going to be charged in 3rd statement??
also you got 499 Neucoins for it. will bank forget it??

But usually ceiling for millenia is 1 lakh which they followed in my case... In case they charge I will complain surely as card will be long closed by then.... Also They have given me 499 coins but I have not claimed it...

 

[shubham0976]

Baba untill your limit is 1 LAKH they can;t upgrade to melinia and you can get limit upgrade even on tata neu
View attachment 6646

u r wrong, got my moneyback upgraded to millenia which have 80k limit. upgraded millenia card is showing in all with same limit of 80k as that of moneyback.

 

[PavanPavan is verified member.]

u r wrong, got my moneyback upgraded to millenia which have 80k limit. upgraded millenia card is showing in all with same limit of 80k as that of moneyback.

Attached email i got from HDFC only i always wanted to have melinia
Even @Batmanbaba had similar experience

 

[shubham0976]

Attached email i got from HDFC only i always wanted to have melinia
Even @Batmanbaba had similar experience

may be hdfc considers me as their premium customer that's why they gave millenia without 1L floor limit. . In coming months they may give me limit enhancement as usual. After that I may ask them for infinia (just joking, that is not possible)

I have a bank account with hdfc.

 

[PavanPavan is verified member.]

may be hdfc considers me as their premium customer that's why they gave millenia without 1L floor limit. . In coming months they may give me limit enhancement as usual. After that I may ask them for infinia (just joking, that is not possible)

I have a bank account with hdfc.

Lucky one

 

[Batmanbaba]

Attached email i got from HDFC only i always wanted to have melinia
Even @Batmanbaba had similar experience

Yes... Due to 1 lakh ceiling... I also only got ltf moneyback plus..

 

[shubham0976]

may be hdfc considers me as their premium customer that's why they gave millenia without 1L floor limit. . In coming months they may give me limit enhancement as usual. After that I may ask them for infinia (just joking, that is not possible)

I have a bank account with hdfc.

moneyback will be deactivated when I do first txn on millenia