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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

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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drupal wrote:

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

Are you a preferred customer of the bank?

Deal Lieutenant Deal Lieutenant
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drupal wrote:

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

yes whats your account status and how much balance you maintain in your acc ?
or you have any other services like loan/fd from them ?

Deal Lieutenant Deal Lieutenant
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watever wrote:

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

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

Community Angel Community Angel
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watever wrote:

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

Good Things Come To Those Who Wait
Keep transacting and don’t ask for limit increase
even if they increase limit based on your request they will not increase much ,
While on increase offer sometimes they almost double and more than double the limit

Deal Cadet Deal Cadet
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SARDARKHAN wrote:

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

Thanks. Where to tick on the hdfc form for other bank statement?

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 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 .

Pro Critic Pro Critic
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ZitOO wrote:

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 .

It’s possible.

Deal Lieutenant Deal Lieutenant
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watever wrote:

Thanks. Where to tick on the hdfc form for other bank statement?

dont tick anywhere and dont send the form
write a separate letter and send to that address, I did the same

Deal Lieutenant Deal Lieutenant
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tank_u_m8 wrote:

@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.

ohh thanks for the info

Deal Cadet Deal Cadet
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SARDARKHAN wrote:

dont tick anywhere and dont send the form
write a separate letter and send to that address, I did the same

Thanks

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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flawlessking wrote:

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

flushed flushed

same ditto case
I also took that insta jumbo loan

Deal Subedar Deal Subedar
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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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flawlessking wrote:

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

It always happens with hdfc..I got 4 lakh jumbo loan when my limit was only 1.5

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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nimod wrote:

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.

confused
Deal Subedar Deal Subedar
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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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jambui wrote:

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.

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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smartgeek wrote:

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

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

Deal Cadet Deal Cadet
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asen wrote:

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

LTF Just need to use smartpay services

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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Konquerror wrote:

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.

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

Deal Cadet Deal Cadet
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smartgeek wrote:

LTF Just need to use smartpay services

I too get this upgrade offer in my account but 1000 fees is there from 2nd year onwards displaying if spend is below 2lac.

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.

Deal Cadet Deal Cadet
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SARDARKHAN wrote:

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

Keep it less than 50% & don’t contact them for limit enhancement.

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