Upgrade from HDFC IOCL CC

[kiwi195]

Hi, my father was offered HDFC IOCL Rupay Credit card pre approved with a limit of 115000 Rupees along with Moneyback+ credit card. He did not consult with me and went ahead with the application for IOCL. Kindly help me with further steps as to how he can move to a good core card given his limit. Our accounts fall under imperia banking.

 

[Arnal07]

take whatever card you get with 1lakh+ limit, use it for next 6months and then contact and request HDFC customer care for Millennia CC.
As imperia customer your dad will easily get millennia upgrade.

 

[kiwi195]

take whatever card you get with 1lakh+ limit, use it for next 6months and then request HDFC customer care for Millennia CC.
As imperia customer your dad will easily get millennia upgrade.

Yes, he received the IOCL card two months ago. So he should use it another four months and then apply for Millenia upgrade?

 

[Wealth is my birth right!]

Yes, he received the IOCL card two months ago. So he should use it another four months and then apply for Millenia upgrade?

yes its possible
but card limit and spend criteria matters

 

[Arnal07]

Yes, he received the IOCL card two months ago. So he should use it another four months and then apply for Millenia upgrade?

HDFC mostly offers automatic Millennia cc upgrade for HNI banking customers in 6 months with good usage.People in this forum said that for Millennia cc min limit should be 1lakh, but I managed to get millennia upgrade with only 80k limit.

 

[kiwi195]

yes its possible
but card limit and spend criteria matters

Given the limit of 115000, how much should the spends be around? So far he has spent around 80-90k in 3 months

 

[Wealth is my birth right!]

Given the limit of 115000, how much should the spends be around? So far he has spent around 80-90k in 3 months

last 3 months trend is good only
but if limit is 1.5l then better for good cards

 

[Arnal07]

Given the limit of 115000, how much should the spends be around? So far he has spent around 80-90k in 3 months

which variant of the card you got?

 

[kiwi195]

which variant of the card you got?

He got the IOCL Rupay card. Did not apply for the core card

 

[Fini7777]

Hi, my father was offered HDFC IOCL Rupay Credit card pre approved with a limit of 115000 Rupees along with Moneyback+ credit card. He did not consult with me and went ahead with the application for IOCL. Kindly help me with further steps as to how he can move to a good core card given his limit. Our accounts fall under imperia banking.

use it for another 4 months and cross at least 50k threshold or more if u can
then Req the cc team for LTF Millennia upgrade Mostly they consider ur Request if they deny try after one month again for LTF Millennia.

 

[kiwi195]

use it for another 4 months and cross at least 50k threshold or more if u can
then Req the cc team for LTF Millennia upgrade Mostly they consider ur Request if they deny try after one month again for LTF Millennia.

around 90k is already done, say the total transaction amount goes to 3L+, is that too high?

 

[Fini7777]

around 90k is already done, say the total transaction amount goes to 3L+, is that too high?

Go ahead and ask for upgrade next month

 

[kiwi195]

Go ahead and ask for upgrade next month

Sent an email to the bank.. they are not providing an upgrade at the moment but I successfully gaslighted them into converting it to LTF saying that I opted for LTF

 

[kiwi195]

I'm curious, is this IOCL card considered a co-branded card or core card by the bank? It's listed on the card upgrade form. Also, my father's age is 56 and he falls outside the millenia age criteria. Is the age going to be a problem for an automatic upgrade offer?