Question about HDFC business credit cards

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Deal Cadet
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I have Business Regalia card with 3L limit since November 2020. I have spent about ₹4.6L so far.
I have not got any limit enhancement or upgrade offers.
1. How long does it take to get these offers?
2. Are business cards upgraded to Diners black or Infinia?
3. How to improve chances of getting offers?

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Wait for 1 year
They will enhance limit

My usage was less than 20% still my limit was enhanced

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kkrulesdnation wrote:

Wait for 1 year
They will enhance limit

My usage was less than 20% still my limit was enhanced

20% per month or 20% of limit in a year?

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tvirus wrote:

20% per month or 20% of limit in a year?

My limit was 2.5 lacs
I spent between 1k to 30k per month max. Overall spend was less than 1.5lac in a year.

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kkrulesdnation wrote:

My limit was 2.5 lacs
I spent between 1k to 30k per month max. Overall spend was less than 1.5lac in a year.

Ohh. Which card do you have?

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Business card need to be converted to normal/consumer card first before they can be upgraded to infinia/dcb I think as there is no business Infinia/dcb(at least I haven’t seen anyone with these cards).
@Ramta_Jogi

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@guest_999 Yeah, there is no Business Infinia or DCB due to their high reward rate; only Personal & NRI (Infinia & Regalia, not DCB)

HDFC limits business category card to Regalia only.

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guest_999 wrote:

Business card need to be converted to normal/consumer card first before they can be upgraded to infinia/dcb I think as there is no business Infinia/dcb(at least I haven’t seen anyone with these cards).
@Ramta_Jogi

Can they provide me regular Infinia upgrade from Business regalia?

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Ramta_Jogi wrote:

@guest_999 Yeah, there is no Business Infinia or DCB due to their high reward rate; only Personal & NRI (Infinia & Regalia, not DCB)

HDFC limits business category card to Regalia only.

Can they provide me regular Infinia upgrade from Business regalia?

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tvirus wrote:

Can they provide me regular Infinia upgrade from Business regalia?

They might if your limit on CC or savings account NRV is high enough

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tvirus wrote:

Can they provide me regular Infinia upgrade from Business regalia?

Yes but for that 8l limit required

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Ramta_Jogi wrote:

@guest_999 Yeah, there is no Business Infinia or DCB due to their high reward rate; only Personal & NRI (Infinia & Regalia, not DCB)

HDFC limits business category card to Regalia only.

Which one is superior card business regalia r regalia

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Ramta_Jogi wrote:

Personal Regalia. More offers. Better terms and conditions.

You can’t use personal card for business purchases though. If they spot any transaction and question the nature of purchase then they can cancel your card and revoke all reward points and close account.

Ok bcoz recently I upgraded to business regalia from millennia card

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Ramta_Jogi wrote:

Personal Regalia. More offers. Better terms and conditions.

You can’t use personal card for business purchases though. If they spot any transaction and question the nature of purchase then they can cancel your card and revoke all reward points and close account.

Business. You get 5% back for many spends. Plus no questions are asked about spends. It has better Dineout offer. And much more.

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Dileep_kumar wrote:

Which one is superior card business regalia r regalia

Business. You get 5% back for many spends. Plus no questions are asked about spends. It has better Dineout offer. And much more.

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@Dileep_kumar @tvirus @kkrulesdnation

It would be Business Regalia.

I am still stuck on Personal Regalia features from the time before it got devalued & was subsequently removed from Smartbuy perks.

I have deleted my previous post. No use rectifying that.

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Ramta_Jogi wrote:

@guest_999 Yeah, there is no Business Infinia or DCB due to their high reward rate; only Personal & NRI (Infinia & Regalia, not DCB)

HDFC limits business category card to Regalia only.

Sad to hear they dont have infinia upgrade for business regalia

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tvirus wrote:

Business. You get 5% back for many spends. Plus no questions are asked about spends. It has better Dineout offer. And much more.

Where do we get 5% back. Pls tell me more

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