Upgrade options for Regalia

[shake-all-Sphere]

HDFC Business Regalia Upgrade options to DCB or Business Black Metal edition,
I am offered Upgrade from my current Business Regalia card to Either Floater Card Business Black Metal edition ( paid card) or DCB Metal ( FYF) which is best to take.

 

[Vasuki]

HDFC Business Regalia Upgrade options to DCB or Business Black Metal edition,
I am offered Upgrade from my current Business Regalia card to Either Floater Card Business Black Metal edition ( paid card) or DCB Metal ( FYF) which is best to take.

Get rid of crap regalia .. dcb metal anyday.
Just use it as primary & push for LtF ..
You can negotiate beforehand too

Don't take floater rn ..

 

[basant]

How old was ur business regalia and usage pattern?

 

[ronakshah]

I'm holding hdfc millennia as fyf and now got an upgrade option to regalia gold fyf. Is it worth it?

 

[Vasuki]

I'm holding hdfc millennia as fyf and now got an upgrade option to regalia gold fyf. Is it worth it?

Whats your limit

 

[Vasuki]

How old was ur business regalia and usage pattern?

& Most important limit

 

[ronakshah]

Whats your limit

5.3 lacs .

 

[drsel]

I'm holding hdfc millennia as fyf and now got an upgrade option to regalia gold fyf. Is it worth it?

No, definitely not

 

[Vasuki]

5.3 lacs .

Take dcb not regalia gold..
Bcz Millniea is best mid ranger ..
Regalia gold with devlaution on airport lounge isn't worth rn ..

Axis atlas is much better

 

[Baki]

HDFC Business Regalia Upgrade options to DCB or Business Black Metal edition,
I am offered Upgrade from my current Business Regalia card to Either Floater Card Business Black Metal edition ( paid card) or DCB Metal ( FYF) which is best to take.

1. What was your limit?
2. last 6 month Spends?
3. Any cibil improvement in past 2 months?
4. I not getting upgrades B regalia from last 2 years, any other way around?

 

[ronakshah]

Take dcb not regalia gold..
Bcz Millniea is best mid ranger ..
Regalia gold with devlaution on airport lounge isn't worth rn ..

Axis atlas is much better

Will have to check for dcb as I got this regalia upgrade option via nb and mobile app.

 

[Vasuki]

Will have to check for dcb as I got this regalia upgrade option via nb and mobile app.

Regalia gold isn't worth the fees . Untill its ltf

 

[ronakshah]

Regalia gold isn't worth the fees . Untill its ltf

Got it thanks for your input. I'm holding imperia banking relationship with hdfc so I tried checking with rm if they can offer me ltf millennia or better card but she said no. Do you think if reach out to their customer support I can get millennia or some better card as ltf?

 

[Vasuki]

Got it thanks for your input. I'm holding imperia banking relationship with hdfc so I tried checking with rm if they can offer me ltf millennia or better card but she said no. Do you think if reach out to their customer support I can get millennia or some better card as ltf?

Take Millniea fyf (1lakh fees reversal is easy ) by 2nd year .. u will get l.e & better card offer ( Infinia will become like dcb if Infinia reserve comes )
Regalia after devaluation doesn't make any sense now .

 

[shake-all-Sphere]

1. What was your limit?
2. last 6 month Spends?
3. Any cibil improvement in past 2 months?
4. I not getting upgrades B regalia from last 2 years, any other way around?

6.5 lac limit my spend has been 10 lac in last 6 months, my CIBIL improved to 804( CIBIL report not Experian) apart from that my NRV with HDFC is like 35 lacs.

 

[shake-all-Sphere]

How old was ur business regalia and usage pattern?

Couple of years my usage has been average 1 lac per month

 

[shake-all-Sphere]

Got it thanks for your input. I'm holding imperia banking relationship with hdfc so I tried checking with rm if they can offer me ltf millennia or better card but she said no. Do you think if reach out to their customer support I can get millennia or some better card as ltf?

speak to BM once or write to customer care Imperia banking.

 

[ronakshah]

Take Millniea fyf (1lakh fees reversal is easy ) by 2nd year .. u will get l.e & better card offer ( Infinia will become like dcb if Infinia reserve comes )
Regalia after devaluation doesn't make any sense now .

Yes I'm also less inclined towards regalia considering reward rates. And I'm holding millennia as fyf. Also is there a way to check total spends done till now on hdfc cc or we need to calculate it manually?

 

[ronakshah]

speak to BM once or write to customer care Imperia banking.

Yes will send an email to imperia support to see if they can help.

 

[Vasuki]

Yes I'm also less inclined towards regalia considering reward rates. And I'm holding millennia as fyf. Also is there a way to check total spends done till now on hdfc cc or we need to calculate it manually?

Call customer care to ask how much did u spend cumulative & how much is left for fees reversal..
They will calculate & tell you