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need info about hdfc credit card upgrade based on account status(regular/classic/etc.)

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SARDARKHAN

need info about hdfc credit card upgrade based on account status(regular/classic/etc.)

I have 1.6 year old moneyback cc with 86k limit
I tried to upgrade cc via customer care, sending application to their chennai office but nothing worked

I would like to know if I keep good balance in my savings account then my account will be upgraded to higher category like- classic preferred etc.

so which card upgrade offer can I get in witch category

help pls smile

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Deal Cadet Deal Cadet
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Could anyone also answer if HDFC accepts other banks credit card statements with higher limit for Cred Limit enhancement? Thanks

Deal Lieutenant Deal Lieutenant
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I think they do try to send application to their chennai address with other cc statement
I did that and they increased my hdfc cc limit exactly equal to my sbi cc

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Community Angel Community Angel
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They keep increasing my limit even I don’t maintain much balance
I get many upgrade offers time to time though I don’t upgrade everytime

Deal Cadet Deal Cadet
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Are you a preferred customer of the bank?

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Deal Subedar Deal Subedar
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@SARDARKHAN i enquired a similar item at my local branch, i wanted to upgrade my regalia into diners, the agent told me that if i have a preferred account, than bank will automatically offer me a diner card(which diner is not specified but all diner should eventually get upgrade to DCB) he suggested me to close my existing credit card and than within 15 days i will get offer for diners if my account is in preferred list.

Deal Lieutenant Deal Lieutenant
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ohh thanks for the info

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Deal Subedar Deal Subedar
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there is a application form on the hdfc website to sign on it and submit to your branch then only account will upgrade to your desired category , keeping balance in saving or in FD wont automatically upgrade your account type .

Benevolent Benevolent
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It’s possible.

Critic Critic
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I have the same MoneyBack cc from hdfc and exact 86k limit, have been using it since last 15 months,it’s wierd I have been offered insta jumbo loan of 1.2Lacs without docs which exceeds my limit by a good margin, haven’t thought of upgrading the limit but I think they won’t upgrade it untill and unless we request it

Deal Lieutenant Deal Lieutenant
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flushed flushed

same ditto case
I also took that insta jumbo loan

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Helpful Helpful
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For limit increase, do multiple translations on online stores and maxout the credit limit for couple of months.
You will receive email for automated credit limit increase.

Deal Subedar Deal Subedar
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For card upgrades, you need to increase your limits first.
Till 1.5L, it remains to entry level card, like money-back.
Over 1.5L, you are eligible for Regalia first,
And so on.

You can get limit enhancement by sending them your ITR/salary slips.

Have done this, my card was upgraded two months back with this process.

Deal Lieutenant Deal Lieutenant
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confused
Generous Generous
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Keep more money in acc, FD, mutual fund,demat etc whatever you like. Keep transacting more with bank account aka more txns. Spend more on card specially flights or hotel/shotel.
Last keep checking limit & card upgrade links regularly. Keep clicking on notify me.
Send an email to hdfc card cc showing your interest in upgrade.
Anything out of above could trigger card/limit upgrade.

Remember auto limit upgrade happens once a year in most cases.
Auto card upgrade can happen anytime.

Deal Lieutenant Deal Lieutenant
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limit got upgraded twice in 6 months smile
need to upgrade card
going to try everything
and will visit branch also to ask them personally

Deal Cadet Deal Cadet
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I recently got upgraded to regalia first with 1 lakh limit
Honestly speaking dont contact them for card upgrade or limit enhancement they will never do
As far as saving accnt balance is concerned my account sometimes lacks their minimum balance criteria which is 10k i think
Key is let them contact you

Deal Cadet Deal Cadet
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Did you get the card as LTF or there is annual fee?

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Deal Cadet Deal Cadet
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Based on my past experience, money in savings account doesn’t matter. The spends on credit card matter. If you spend more on their credit card, especially online, you’ll get frequent limit upgrades.

Deal Lieutenant Deal Lieutenant
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I spend too much via cc but they are not upgrading cry

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Deal Lieutenant Deal Lieutenant
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This year my cc limit has been upgraded from 30k to 1.94 lakh through net banking but no option to upgrade the card from there. I have HDFC Snapdeal credit card and it is more than 3year old.

Helpful Helpful
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Using HDFC moneyback credit card since 8 years, never shown interest in upgrading limit or card.

Deal Lieutenant Deal Lieutenant
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did they offered it ?
whats your limit ?

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Deal Lieutenant Deal Lieutenant
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Quick query. Got a new hdfc credit card. Have no hdfc account. How can I see transactions pending/ completed and dues.
App name /instructions if any.
And how to know if its LTF or not.
Ps : Its money-back with 51k limit.

Deal Subedar Deal Subedar
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Search for hdfc cc login
There is separate login portal for hdfc credit cards.
You can see all of them there.
Mostly it is offered LTF.
Drop an email to them enquiring the LTF status of your card, they’ll respond.

Deal Lieutenant Deal Lieutenant
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only option is to check for offer in netbanking regularly I think pensive

Deal Cadet Deal Cadet
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Notify Me ka button daba daba kar ghis gaya par credit limit increase ka notification kabhi nahi aaya.

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Deal Cadet Deal Cadet
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little off topic

I just noticed that i did not earn reward points for adding money in mobikwik wallet through hdfc moneyback card. I think earlier, we used to get RP for adding money to all wallets through hdfc moneyback card.

any recent change to their reward point structure?

Deal Lieutenant Deal Lieutenant
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how to know for which tranx are we getting rp ?

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Deal Cadet Deal Cadet
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U may try hiking icici limit by sending CRLIM xxxx to 5676766 X=last 4 digit of icici cc

Deal Lieutenant Deal Lieutenant
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@watever @vimalbpatel82
keep in mind my limit was increased approximately after two months
but they exactly equated the limit so I have strong belief that the reason was the application
I am 99% sure not 100%

Benevolent Benevolent
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can you chek pm

Deal Cadet Deal Cadet
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Finally hdfc bank revise my cc limit from 100k to 120k I was expecting minimum 266k So writing to hdfc Chennai didn’t work for me

Pro Critic Pro Critic
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If you request to enhance the limit they will only offer you chindi increase. Accept when they offer it themselves. When we request, companies take it as we are getting credit hungry which is not good. They offered me to increase my limit to 3L directly from 1L.
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Deal Cadet Deal Cadet
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little Off topic:
One of my friend was having a classic account with HDFC. I told him to try and get a credit card from HDFC. Upon my advice he applied online as he was getting a offer of LTF cc ( with asterisk mark, some tnc apply) and amazon 1500 voucher. Now the card is approved. I think he got Regalia. How to ensure that card will be LTF.
Does smartpay with 3 auto payments offer still work.
I hope LTF offer does not mean LTF with minimum spend as Regalia min spend condition is high and annual fee is also high.

Deal Lieutenant Deal Lieutenant
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call cc they will tell exactly

Deal Cadet Deal Cadet
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After checking netbanking continues for 2 month I have got limit increase offer from 120k to 300k today

Deal Lieutenant Deal Lieutenant
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update-
I upgraded my hdfc acc to preferred a month ago, now I have received option to upgrade my moneyback cc(86k limit) to regalia first, I was hoping to get regalia 😐
Now I have two options
1. upgrade to regalia first and again wait for like 6 months for another upgrade.
2. not upgrade now and wait if they offer upgrade to regalia.

Please suggest what to do

Deal Subedar Deal Subedar
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You have only 1 option. Money back – regalia first – regalia is their usual sequence of upgrades and they won’t bypass the sequence.
So take it, increase limit, and wait for regalia upgrade once you get enough limit.

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Deal Cadet Deal Cadet
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get an upgrade whenever they offer…be sure to check the fee for the upgraded card.
i have been offered clubmiles to privilege. where my clubmiles is LTF but privilege is a priced one.

Deal Lieutenant Deal Lieutenant
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I think privilege can also be converted to ltf
check threads on dost and dime and find one dimer has posted the method

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Deal Lieutenant Deal Lieutenant
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@vimalbpatel82
I will still try my luck as no harm in trying and if they dont give me premium cc I have option to upgrade to regalia first smile
I know it will be a waste of time but worth a try
thanks for the insights
kg

Deal Lieutenant Deal Lieutenant
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@vimalbpatel82
many other suggested same as you so finally I applied to upgrade to regalia first only via nb
smile

Deal Cadet Deal Cadet
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Congratulations have u got ltf regalia first cc offer ?

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Deal Cadet Deal Cadet
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@tank_u_m8  i enquired a similar item at my local branch, i wanted to upgrade my regalia into diners, the agent told me that if i have a preferred account, then bank will automatically offer me a diner card(which diner is not specified but all diner should eventually get upgrade to DCB) he suggested me to close my existing credit card and than within 15 days i will get offer for diners if my account is in preferred list. 

I'm also stuck on moneyback+ card for 10 months now with a poor limit of 1 lac, I'm a classic customer & have already received invite to preferred & even imperia, but no upgrade offer on my card,  do you think I should do same?

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