https://www.desidime.com/discussions/hdfc-bank-sending-out-credit-limit-increase-mails-check-yours?page=1#post_9233219
Isn't it LTF for you guys?
And which variant are you using?
HDFC Bank sending out credit limit increase mails! Check yours!
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A friend got his limit increased from 25k to 50k after 10 months and minimal usage of just 20k in 10 months. Mine still stuck at 25k after 15 months and almost 10x the usage as compared to my friend. Is it just random ? Planning to stop using it for 6 months now!
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https://www.desidime.com/discussions/hdfc-bank-sending-out-credit-limit-increase-mails-check-yours?page=1#post_9233224
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They're spamming me to upgrade it to Regalia now but with 0 joining fees and 0 annual fees in the 1st year itself 2nd year onwards it's 2.5k and i'm asking them to make LTF but no luck so skipping my plan as of now.
@guest_999
romilq wrote:My journey too from freedom and regalia 1st upgrade took a lot of time...it depends on your relationship with Hdfc too (investments, balance etc). Hope these are already LTF right?
Mine is crappy Freedom and friend has Business Moneyback.
They're spamming me to upgrade it to Regalia now but with 0 joining fees and 0 annual fees in the 1st year itself 2nd year onwards it's 2.5k and i'm asking them to make LTF but no luck so skipping my plan as of now.
@guest_999
https://www.desidime.com/discussions/hdfc-bank-sending-out-credit-limit-increase-mails-check-yours?page=1#post_9233231
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MrKool_JJ wrote:
My journey too from freedom and regalia 1st upgrade took a lot of time...it depends on your relationship with Hdfc too (investments, balance etc). Hope these are already LTF right?
They're spamming me to upgrade it to Regalia now but with 0 joining fees and 0 annual fees in the 1st year itself 2nd year onwards it's 2.5k and i'm asking them to make LTF but no luck so skipping my plan as of now.
@guest_999
Yeah both are LTF cards. I also have the Tata Neu Plus LTF with shared limit. I was being offered Moneyback Plus paid FYF upgrade with same 25k limit. I didn't take it. I requested LTF upgrade but they declined. Looks like I'll stop using the card for few months 😝 Freedom was one of the first cards I got 15 months ago. Didn't have any other good card so spent close to 2 lakhs on it till now. And friend has spent just 20k in 10 months. Still got 100% limit increase. Both of us are just maintaining minimum balance. Infact I have more transactions in HDFC account. I think its all random.
https://www.desidime.com/discussions/hdfc-bank-sending-out-credit-limit-increase-mails-check-yours?page=1#post_9233465
Got it a few days ago. Just 20k increase. Initially, I thought of not opting for it, thinking if kept ignoring, I may get a better offer in a few months, but on going through posts here found that it is not happening anymore so took it 
https://www.desidime.com/discussions/hdfc-bank-sending-out-credit-limit-increase-mails-check-yours?page=1#post_9233665
There is a similar thread on HDFC credit limit increase.
It seems that they are pushing FYF & paid card offers to LTF holders so as to reduce the number of LTF card holders.
They had pushing paid Millenia card offer to me for months, but I didn't avail.
https://www.desidime.com/discussions/hdfc-bank-sending-out-credit-limit-increase-mails-check-yours?page=1#post_9234506
Same case with me. I was given 40k limit. Used the card extensively and am their preferred customer too(classic when the card is approved). I was given 8k limit increase after 15 months. Stuck with ltf moneyback plus since the beginning n they're offering me paid business moneyback plus 
I
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