Want to upgrade to HDFC Regalia Gold from Millennia

[Wealth is my birth right!]

They have a very different (weird) criteria for LE. Last 2 years I have been spending almost 13-15L yearly. But have to ask them for LE. But hdfc nevers sends me a LE, except once I remember I did get a LE msg but that was just once. My next LE cooling period ends in September.

Hope October will be a good month for you
Usuallly LE triggers in hdfc happen around 23rd

 

[TripleAce]

Based on spend criteria, yes. But again 6 month cooling period is required since last LE.

Are you sure bro?
The RM told me LE for Infinia can’t be done on spend basis criteria.
I have not received LE but I got a floater card in the last 6 months (July) with shared limit.

 

[swanand04]

My Millennia card is 9.6 years old and ICICI is 9 years old so will the cibil impact will be high?

And as i saw in the comments if the RG Limit is 296000 hardly 4k less than the expected limit.

And i just check my last limit enhancement happen in April 2025 so will i not receive any limit enhancement till next april?

 

[Kabir_1112]

Hope October will be a good month for you
Usuallly LE triggers in hdfc happen around 23rd

Keeping my fingers crossed 🤞

 

[Kabir_1112]

My Millennia card is 9.6 years old and ICICI is 9 years old so will the cibil impact will be high?

And as i saw in the comments if the RG Limit is 296000 hardly 4k less than the expected limit.

And i just check my last limit enhancement happen in April 2025 so will i not receive any limit enhancement till next april?

No further limit increase within 6 months. You can again try for a manual limit increase by end of October by submitting your ITR/SALARY SLIP self attested along with the form to the nearest Hdfc bank branch.

 

[Kabir_1112]

Are you sure bro?
The RM told me LE for Infinia can’t be done on spend basis criteria.
I have not received LE but I got a floater card in the last 6 months (July) with shared limit.

I checked with a hdfc bank credit card guy and he did inform me to send the form and self attested income documents to nearest Hdfc branch and when it goes to Chennai it is done most of the times.

 

[TripleAce]

I checked with a hdfc bank credit card guy and he did inform me to send the form and self attested income documents to nearest Hdfc branch and when it goes to Chennai it is done most of the times.

If I send my income documents then they will confiscate my cards. 😬😝😂

 

[Ra.One]

Hello all,

I am new member here but using CC's from 10 years now. I have total 4 Cc's as follows

1. HDFC Millennia - Limit 2.9 L
2. ICICI Coral - 11.4 L Shared with all cards
3. ICICI Rubyx Master Card 11.4 L shared
4. ICICI Rubyx Amex Card 11.4 L shared

I have my Salary account in the ICICI and i dont hold any bank account in HDFC.

Monthly Salary around 1.7 L

I am trying to get a HDFC Regalia Gold from a very long time but unable to get any offer.

I already tried emailing and checking with Bank and they just mention when ever the offer comes then only you will get it

Any help or trick which i can use to get HDFC Regalia Gold upgrade.

Thanks in Advance.

Upgrade Millenia manually using form.

I am on the same upgrade path for my spouse. Floor limit for Marriott card is 2L now (according to branch CC guy), she has 1.4L CL Millenia LTF. Sending form through CC guy for LE to 2,2.5L (will ask him for 3L), get Marriot as floater, next year after salary increment to net 1L/month salary, will upgrade through form route to Regalia Gold.
If CL increased to 3L ( difficult), then upgrade will show up anyways.

 

[cardy]

Getting this message every day, but clicking the link is taking me to upgrade page with a prefillled credit card last four digits. And the fun part is i have no such card.

So what is happening

 

[gargmolik]

Hello all,

I am new member here but using CC's from 10 years now. I have total 4 Cc's as follows

1. HDFC Millennia - Limit 2.9 L
2. ICICI Coral - 11.4 L Shared with all cards
3. ICICI Rubyx Master Card 11.4 L shared
4. ICICI Rubyx Amex Card 11.4 L shared

I have my Salary account in the ICICI and i dont hold any bank account in HDFC.

Monthly Salary around 1.7 L

I am trying to get a HDFC Regalia Gold from a very long time but unable to get any offer.

I already tried emailing and checking with Bank and they just mention when ever the offer comes then only you will get it

Any help or trick which i can use to get HDFC Regalia Gold upgrade.

Thanks in Advance.

If you still haven't upgraded to HDFC Regalia Gold, then you should try to with paper application with your RM's recommendation. That has worked for me (my father's card). It got upgraded in 25 days approx. So, patience is the key here. No need to close anything or do this or that. Simply, contact your RM and visit the branch and get it done.

 

[Kabir_1112]

Upgrade Millenia manually using form.

I am on the same upgrade path for my spouse. Floor limit for Marriott card is 2L now (according to branch CC guy), she has 1.4L CL Millenia LTF. Sending form through CC guy for LE to 2,2.5L (will ask him for 3L), get Marriot as floater, next year after salary increment to net 1L/month salary, will upgrade through form route to Regalia Gold.
If CL increased to 3L ( difficult), then upgrade will show up anyways.

Much effective way I guess. For me, I usually follow the same manual procedure for limit increase every year once.

 

[Donald J. Trump]

If I send my income documents then they will confiscate my cards. 😬😝😂

hmm something sounds fishy...... Department of War incoming for confiscating your QUAD CORE sir

My experience: 2022 May I got my first unsecured CC - 25k HDFC Indigo 6E Rewards
After begging with letters and documents sent to their Chennai office at least 8-9 times got millennia with 1,00,000 in June 2024. In that Last letter I made a hand made card for HDFC Bank as well that I've been requesting for 2 years, at least give me a break.🤣🤣

Then another LE of 4k only in February 2025. Current Limit - 1,04,000

I wish I could increase my limit based on spends. Presently Unemployed toh my cards also don't justify my income at all.