Regalia To close Regalia or not?

[ketz1981]

My wife has a Regalia card along with Tata Neu Infinity with common limit. Spends are bare minimum as she has add-on cards of my DCB Metal, SBI Elite and Magnus. In fact, she does not use Regalia at all, and lounge access is through the add-on cards. There is also no point upgrading Regalia to any higher card. Should I just make her close the card and retain only Tata Neu?

 

[Swastik]

Keep it if LTF ,because if you close it ,it might be difficult to get a core card with HDFC

 

[ketz1981]

Keep it if LTF ,because if you close it ,it might be difficult to get a core card with HDFC

I'm not sure if it's LTF. With the card being devalued so much, will it be easy to convert to LTF?

 

[Swastik]

I'm not sure if it's LTF. With the card being devalued so much, will it be easy to convert to LTF?

Check if you've been charged annual fee in last 1 year ,or call up customer care and ask

If its paid ,you can put a Cancellation request ,and then push for LTF with retention team ,tell them about devaluation and all

 

[ketz1981]

Check if you've been charged annual fee in last 1 year ,or call up customer care and ask

If its paid ,you can put a Cancellation request ,and then push for LTF with retention team ,tell them about devaluation and all

Can this be done at RM level itself?

 

[Swastik]

Can this be done at RM level itself?

You can ask your RM about whether it's LTF or not ,

But whether your RM can convert to LTF or not is a hit or miss ,try it out