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HDFC Debit card upgrade

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Deal Cadet
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Hello dimers,

I have upgraded my hdfc millenia card to platinum debit card. But they have charged me 885 that is 750+gst.

How can i get the refund of the charges?

Please help me as it was happened in two accounts.

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Deal Subedar Deal Subedar
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Why you upgraded? For normal 10k account you can’t get refund.

Deal Cadet Deal Cadet
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I have classic account with HDFC but platinum card showing as annual charges of Rs. 750. Will they charge and refund if i upgrade to platinum card? rolleyes

Deal Subedar Deal Subedar
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Andhra_Abbayi wrote:

I have classic account with HDFC but platinum card showing as annual charges of Rs. 750. Will they charge and refund if i upgrade to platinum card? rolleyes

Total free for you… Nothing have to pay

Deal Subedar Deal Subedar
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I was in classic banking more then 1 years…. And switched to multiple cards for free.

Now I’m a preferred banking user grinning

Deal Cadet Deal Cadet
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rohit_agarwal wrote:

Total free for you… Nothing have to pay

But it’s showing as Rs. 750 in upgrade page. Anyway had Rupay platinum DC with me and ok with Amazon offer every month. Not in a mood to upgrade Platinum. Is there any better benefit with Platinum DC?

Deal Cadet Deal Cadet
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rohit_agarwal wrote:

I was in classic banking more then 1 years…. And switched to multiple cards for free.

Now I’m a preferred banking user grinning

Any tricks? grinning

Recently upgraded to Classic. Any special benefits with classic? wink

Deal Cadet Deal Cadet
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since u opted for upgraded urself by selecting the charges,y do u think that it can be refunded?you shouldn’t hv opted if u r so much skeptical abt charges

Deal Subedar Deal Subedar
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Andhra_Abbayi wrote:

But it’s showing as Rs. 750 in upgrade page. Anyway had Rupay platinum DC with me and ok with Amazon offer every month. Not in a mood to upgrade Platinum. Is there any better benefit with Platinum DC?

Yes 750 for normal 10k account… Free for max saving account, classic and uper accounts.

Platinum is good for 1% cashback if you pay other bank credit card bills.

Deal Subedar Deal Subedar
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Andhra_Abbayi wrote:

Any tricks? grinning

Recently upgraded to Classic. Any special benefits with classic? wink

No benifit…. Your sms alrert, debit card will free. You can apply credit card without income proof. Unlimited HDFC ATM withdrawal. Etc

Deal Cadet Deal Cadet
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rohit_agarwal wrote:

Yes 750 for normal 10k account… Free for max saving account, classic and uper accounts.

Platinum is good for 1% cashback if you pay other bank credit card bills.

Let’s see!

As of now, ok with monthly amazon offer through Rupay Platinum!

Deal Subedar Deal Subedar
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Andhra_Abbayi wrote:

Let’s see!

As of now, ok with monthly amazon offer through Rupay Platinum!

Okey enjoy ₹100 monthly joy

Deal Cadet Deal Cadet
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rohit_agarwal wrote:

No benifit…. Your sms alrert, debit card will free. You can apply credit card without income proof. Unlimited HDFC ATM withdrawal. Etc

Ok. Thanks for details.

Had Moneyback CC from last 5 years.

Unlimited withdrawals from only HDFC or any bank atm?

Mainthing I liked about this upgrade is, MAB became Zero after upgrade smile

Deal Subedar Deal Subedar
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Andhra_Abbayi wrote:

Ok. Thanks for details.

Had Moneyback CC from last 5 years.

Unlimited withdrawals from only HDFC or any bank atm?

Mainthing I liked about this upgrade is, MAB became Zero after upgrade smile

On classic only HDFC atm withdrawals are free.

On preferred all Bank ATM withdrawals free 🤠

I’m preferred and maintaining zero balance joy

Deal Cadet Deal Cadet
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rohit_agarwal wrote:

On classic only HDFC atm withdrawals are free.

On preferred all Bank ATM withdrawals free 🤠

I’m preferred and maintaining zero balance joy

won’t they downgrade if we don’t maintain balance?

I’m surprised to see Zero balance account conversion after upgrading to classic. So, practically they themselves saying that no need to maintain any balance wink

Deal Subedar Deal Subedar
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Andhra_Abbayi wrote:

won’t they downgrade if we don’t maintain balance?

I’m surprised to see Zero balance account conversion after upgrading to classic. So, practically they themselves saying that no need to maintain any balance wink

If you have good relationship with RM, they don’t…

But they can do anytime, if you don’t mainten mab.

Deal Cadet Deal Cadet
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rohit_agarwal wrote:

If you have good relationship with RM, they don’t…

But they can do anytime, if you don’t mainten mab.

I never pickup RM calls and had very bad experience with her rolleyes

Deal Subedar Deal Subedar
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Andhra_Abbayi wrote:

I never pickup RM calls and had very bad experience with her rolleyes

Hahaaaaaa…. 99% your account will never downgrade, but sometimes branch can downgrade.

Deal Captain Deal Captain
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upgrade to HDFC RuPay Platihnum debit card, Rs200+GST

also 20% off upto 100 per month on amazon load money.

Deal Cadet Deal Cadet
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rohit_agarwal wrote:

On classic only HDFC atm withdrawals are free.

On preferred all Bank ATM withdrawals free 🤠

I’m preferred and maintaining zero balance joy

but for classic i can see min balance as 1Lakh
what is trick to get at zero balance

Deal Subedar Deal Subedar
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nikhil9702 wrote:

but for classic i can see min balance as 1Lakh
what is trick to get at zero balance

Classic is zero balance account…. 1 lakh on the paper but they will never downgrade your account.

If you get call from RM about balance maintenance, just tell him/her that you will maintain in next quarter. And same in next call joy

Deal Cadet Deal Cadet
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rohit_agarwal wrote:

Classic is zero balance account…. 1 lakh on the paper but they will never downgrade your account.

If you get call from RM about balance maintenance, just tell him/her that you will maintain in next quarter. And same in next call joy

1)Is there no charges like in other Bank they deduct huge fee
2) What’s the initial funding at opening?
Thank you

Deal Subedar Deal Subedar
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nikhil9702 wrote:

1)Is there no charges like in other Bank they deduct huge fee
2) What’s the initial funding at opening?
Thank you

1. No fee… Everything is free.
2. Initial finding is 1Lakh.

But many branch not opening classic banking directly. If branch deny, just open 10k normal account and same day request for upgrade.

Deal Subedar Deal Subedar
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rohit_agarwal wrote:

On classic only HDFC atm withdrawals are free.

On preferred all Bank ATM withdrawals free 🤠

I’m preferred and maintaining zero balance joy

How do I know which type of saving account I have with hdfc ?

Opened @₹10k mab

But maintained 35k+ in past months!

Deal Captain Deal Captain
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rohit_agarwal wrote:

I was in classic banking more then 1 years…. And switched to multiple cards for free.

Now I’m a preferred banking user grinning

what special previliges for preferred banking user rolleyes

Deal Subedar Deal Subedar
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Vulcan wrote:

How do I know which type of saving account I have with hdfc ?

Opened @₹10k mab

But maintained 35k+ in past months!

No option…. But if you have classic or preferred, you can see in NetBanking, mobile banking

Deal Subedar Deal Subedar
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desiman wrote:

what special previliges for preferred banking user rolleyes

All this preferred/Classic/Imperia banking is a scam toungueout
Saving Max account is good enough to get most of the banking service for free (Plus you dont have any headache of RM calling you for investment into XYZ schemes)

Classic/preferred etc are useful if you also plan to use other services of HDFC ..
Eg for imperia customer they provide free locker service… Preferred also have some discounts. Similarly discounts on loan processing fees and HDFC securities provided… if you plan to just use the banking service…Saving Max is good enough

Deal Cadet Deal Cadet
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How do i downgrade card from rewards debit card to Ru pay?

Missing