I’m already holding my Regalia First CC for last 4 years and wanted to upgrade to Regalia.
The current card is also not LTF (Rs 1,000 annual charges waived off on spends of Rs 1,00,000) but there are so many threads here that says that HDFC is offering the cards as LTF now.
I’m pretty much confused now.
I even spoke with the cc for an upgrade but they say there is no offer for you. I even applied for another card in Aug which eventually got rejected. My cibil score is around 830 and that shouldn’t be an issue since I’m holding other cards having limit as high as 6 lakhs.
I would really appreciate if someone could suggest me in getting my HDFC card upgraded and ways to make it LTF (I know the utility bill payments method is one of them).
Should I close my current regalia first card and apply for a fresh one or approach the bank directly for an upgrade?
Only thing you can do is ask Customer care to convert it into LTF I guess. Try threatening them by saving you want to close your credit card since it isn’t LTF but currently HDFC is providing LTF to everyone
Even if you apply for another card , it’ll be rejected. Hdfc rarely allows one person to hold 2 hdfc ccs. Your best bet is convincing customer care.
Tanmayyy wrote:Even if you apply for another card , it’ll be rejected. Hdfc rarely allows one person to hold 2 hdfc ccs. Your best bet is convincing customer care.
Their straight forward reply is to drop the relevant docs to nearest hdfc bank for an upgrade
I got cc approved on hdfc savings account without being pre-approved. I don’t have a pre approved offer on my account, so I decided to apply simply by entering as self employed, and uploaded no income documents. They gave a check on my cibil score which is 780, and look regarding my credit history. I have a simply click fd based card with limit of 30k on fd of ₹40k. Now hdfc gave me a limit of 40k without any verification. No call, no address verification nothing.
So if anyone holding fd based card and good cibil score must give a try for hdfc card.
kannu.rider304 wrote:I got cc approved on hdfc savings account without being pre-approved. I don’t have a pre approved offer on my account, so I decided to apply simply by entering as self employed, and uploaded no income documents. They gave a check on my cibil score which is 780, and look regarding my credit history. I have a simply click fd based card with limit of 30k on fd of ₹40k. Now hdfc gave me a limit of 40k without any verification. No call, no address verification nothing.
So if anyone holding fd based card and good cibil score must give a try for hdfc card.
I got 48k limit without credit score .
Without fd.
Without any income proof.
No adress verification.
Just applied using year old saving account
I didn’t even keep much of balance but I did 40k transaction per month for debit card cashback .
sanketpero wrote:
I got 48k limit without credit score .
Without fd.
Without any income proof.
No adress verification.
Just applied using year old saving account
I didn’t even keep much of balance but I did 40k transaction per month for debit card cashback .
Then I don’t know on which basis they have approved my credit card 
.
sanketpero wrote:
I got 48k limit without credit score .
Without fd.
Without any income proof.
No adress verification.
Just applied using year old saving account
I didn’t even keep much of balance but I did 40k transaction per month for debit card cashback .
Don’t u have any other card?
which debit card bro? I’ve easyshop platinum. Is it any good or I should apply for millennia one? Please guide.
kannu.rider304 wrote:
Don’t u have any other card?
Nope only this one
Juniper wrote:Are your annual spends are good ? 1-2 lakhs + ? Then mail to priority readdressal mail ID properly explaining why you should be given an upgrade with proper income documents. If you have other banks LTF card, mention also. Good luck!
I’ve more than 2 lakh annual spends. Was able to grab 6*1000 Amazon vouchers in last 1 year for meeting the monthly spends criteria. Already holding idfc and AZ icici as ltf cards. Could you help with the mail id?
22sumit wrote:I’ve more than 2 lakh annual spends. Was able to grab 6*1000 Amazon vouchers in last 1 year for meeting the monthly spends criteria. Already holding idfc and AZ icici as ltf cards. Could you help with the mail id?
PriorityRedressal. CreditCards @ hdfcbank . com
Give Karma if you wish!
Tanmayyy wrote:
Did you try asking them to close the card or make it ltf?
I called them on 08061606131 and asked them to make it LTF or close the card. They agreed on closing it after paying the due amount. No drama.
Seems I’m blacklisted like this with no offers and my best chance is to close the card and apply for a fresh one again.
22sumit wrote:
I called them on 08061606131 and asked them to make it LTF or close the card. They agreed on closing it after paying the due amount. No drama.
Seems I’m blacklisted like this with no offers and my best chance is to close the card and apply for a fresh one again.
Have you ever defaulted? Like paying the bill late or going over limit?
only once and it was with a minor amount.
like for a bill of 20000 I missed it by around 400 by mistake.
Other than that, the bills were paid on time.
Juniper wrote:PriorityRedressal. CreditCards @ hdfcbank . com
Give Karma if you wish!
Thanks for the mail id bro. I got a reply stating that they can offer me Millennia card (LTF) as an upgrade from Regalia First provided I opt for smartpay registration. I’m already holding IDFC first Select card which offers a 6x reward points on all online spends.
I’m confused now if I should be upgrading to Millennia.
Any suggestions? @Tanmayyy
22sumit wrote:Thanks for the mail id bro. I got a reply stating that they can offer me Millennia card (LTF) as an upgrade from Regalia First provided I opt for smartpay registration. I’m already holding IDFC first Select card which offers a 6x reward points on all online spends.
I’m confused now if I should be upgrading to Millennia.
Any suggestions? @Tanmayyy
Definitely yes! You can buy amazon gv’s at 6% valueback from smart buy. And 5% cashback on both amazon ans Flipkart purchase can be a steal if you buy something with 10% discount hdfc offer.
Tanmayyy wrote:Definitely yes! You can buy amazon gv’s at 6% valueback from smart buy. And 5% cashback on both amazon ans Flipkart purchase can be a steal if you buy something with 10% discount hdfc offer.
Won’t regalia be a better upgrade? I can pester them with this request as well.
Also does millennia has a dedicated SmartBuy reward points portal? This usually provides a better roi for reward points.
22sumit wrote:Won’t regalia be a better upgrade? I can pester them with this request as well.
Also does millennia has a dedicated SmartBuy reward points portal? This usually provides a better roi for reward points.
I doubt they will be willing to give regalia since they already offered millenia. But you can try.
22sumit wrote:Thanks for the mail id bro. I got a reply stating that they can offer me Millennia card (LTF) as an upgrade from Regalia First provided I opt for smartpay registration. I’m already holding IDFC first Select card which offers a 6x reward points on all online spends.
I’m confused now if I should be upgrading to Millennia.
Any suggestions? @Tanmayyy
Congratulations bro! IDFC other fellow dimers can guide!
Finally got my Regalia First upgraded to Millennia CC (LTF condition – smartpay registration)
Thanks to all dimers who suggested and helped.
I have spent 50k on my Millennia CC. How do check if it is now LTF or not ?
@akki.akki @SunnyKh call customer care on 08061606161 and ask them if the card is LTF
