Hotness need info regarding hdfc cc upgrade

Hot Deal need info regarding hdfc cc upgrade

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Deal Lieutenant
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Whats the best way to get a upgrade on my hdfc moneyback cc
My limit is 48k only
Will the upgrade if I send the application (form from their website)
And if yes which card will they upgrade from moneyback so I can apply for that one

any other suggestions are most welcome

73 Comments  |  
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Missing
Deal Cadet
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Send your docs (salary slip or itr) alongwith limit enhancement form to Chennai add. Don’t expect card upgrade with just 48k limit.

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Deal Lieutenant
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arunrush680 wrote:

Send your docs (salary slip or itr) alongwith limit enhancement form to Chennai add. Don’t expect card upgrade with just 48k limit.

any idea which card should I apply for which will have maximum chance of upgradation from current moneyback

Missing
Deal Cadet
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Keep spending regularly, you should get an upgrade, it takes time, took me around 5 years
Platinum – > Money back→ All Miles – > Regalia
And limit increased to 30 times from the 1st limit assigned to me

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Deal Lieutenant
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karanoshan wrote:

Keep spending regularly, you should get an upgrade, it takes time, took me around 5 years
Platinum – > Money back→ All Miles – > Regalia
And limit increased to 30 times from the 1st limit assigned to me

I am regularly spending from about 14 months(my card age)
still not getting any upgrade confused

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Deal Cadet
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SARDARKHAN wrote:

any idea which card should I apply for which will have maximum chance of upgradation from current moneyback

Don’t apply for card upgradation, try to increase the limit to 80-100k.

Pake dheedh
Deal Cadet
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My regalia first limit is 3lakh.

Any better upgrade!

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Deal Cadet
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mjuneja13 wrote:

My regalia first limit is 3lakh.

Any better upgrade!

Go for regalia & then to Dcb (4lacs min)

Pake dheedh
Deal Cadet
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arunrush680 wrote:

Go for regalia & then to Dcb (4lacs min)

Regalia first is free. What will be the cost of regalia? And how to upgrade!

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Deal Subedar
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My card has not been upgraded but limit has been increased from 80k to 2Lac and now to 10Lacs.

No option to upgrade as well. Should I call them?

Edit: Which is the best card for paying Electricity Bills as am paying 2+ Lacs every month and received CashBack of only 7.5k with my HDFC card.

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Deal Lieutenant
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3298
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hdfc was not offering me limit enhancement also via netbanking so last week I went ahead and sent my application to their chennai office
and my limit got increased from 25k to 48k

now I want card upgrade also stuck_out_tongue

Quote i have failed at times but i never stopped trying rahul dravid 92 90 95
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SARDARKHAN wrote:

hdfc was not offering me limit enhancement also via netbanking so last week I went ahead and sent my application to their chennai office
and my limit got increased from 25k to 48k

now I want card upgrade also stuck_out_tongue

After 6 months now

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Deal Cadet
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cashif wrote:

My card has not been upgraded but limit has been increased from 80k to 2Lac and now to 10Lacs.

No option to upgrade as well. Should I call them?

Edit: Which is the best card for paying Electricity Bills as am paying 2+ Lacs every month and received CashBack of only 7.5k with my HDFC card.

wow 10 lac limit
pura paisa nikaal ke, koi sasti country me settle ho jao toungueout

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Deal Lieutenant
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GoogleCA wrote:

After 6 months now

confused

so ideal way is to apply for enhancement and upgrade every 6 months ?

Bal ganesh
Deal Lieutenant
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cashif wrote:

My card has not been upgraded but limit has been increased from 80k to 2Lac and now to 10Lacs.

No option to upgrade as well. Should I call them?

Edit: Which is the best card for paying Electricity Bills as am paying 2+ Lacs every month and received CashBack of only 7.5k with my HDFC card.

How – limit enhanced from 2lacs to 10lacs?
Did they offer or you have current ac with same bank?

SBI prime good for power bills of such high value!
AmazonPay ICICI also good

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Deal Subedar
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caks2006407 wrote:

How – limit enhanced from 2lacs to 10lacs?
Did they offer or you have current ac with same bank?

SBI prime good for power bills of such high value!
AmazonPay ICICI also good

Started paying company EB from Jan and got a call in March that I’ve option of increasing limit to 10Lacs and I did.

My SBI has credit limit of 2.25 Lacs which is not sufficient and also due date is 1st week of the month whereas HDFC due date for me is 3rd week, which is rather convenient.

APay ICICI has limit of only 80k and they rejected my request to increase limit.

John
Deal Cadet
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@SARDARKHAN Whats the best way to get a upgrade on my hdfc moneyback cc
My limit is 48k only
Will the upgrade if I send the application (form from their website)
And if yes which card will they upgrade from moneyback so I can apply for that one
any other suggestions are most welcome

From my experience, we should never request them for credit limit or card upgrade. It won’t be fruitful. Once in a while they will offer card upgrade and limit increase. That time you will get good offer.

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Deal Lieutenant
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3298
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john78 wrote:

@SARDARKHAN Whats the best way to get a upgrade on my hdfc moneyback cc
My limit is 48k only
Will the upgrade if I send the application (form from their website)
And if yes which card will they upgrade from moneyback so I can apply for that one
any other suggestions are most welcome

From my experience, we should never request them for credit limit or card upgrade. It won’t be fruitful. Once in a while they will offer card upgrade and limit increase. That time you will get good offer.

reason please

John
Deal Cadet
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SARDARKHAN wrote:

reason please

Simple … when you ask for more limit … means you are in some financial trouble … so they will either deny or offer less increase … But when you are not asking for limit increase and if they ready to offer some limit increase which they do periodically .. they will offer more limit.

This is purely from my experience. I have requested for limit increase with one of my card and they offered me just 13000 limit increase and another card denied. After few months the same card offered me 150000 limit increase. please note that there is no changes in my income/loans, etc.

Similarly, I asked for a Personal loan a month ago, the bank offered me with interest of 19% + 2% processing fee. I denied the offer. The very same bank offering me now with 13% + 0% processing fee. Still I am not taking it. smile

it is basically … demand and supply …

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Deal Lieutenant
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john78 wrote:

Simple … when you ask for more limit … means you are in some financial trouble … so they will either deny or offer less increase … But when you are not asking for limit increase and if they ready to offer some limit increase which they do periodically .. they will offer more limit.

This is purely from my experience. I have requested for limit increase with one of my card and they offered me just 13000 limit increase and another card denied. After few months the same card offered me 150000 limit increase. please note that there is no changes in my income/loans, etc.

Similarly, I asked for a Personal loan a month ago, the bank offered me with interest of 19% + 2% processing fee. I denied the offer. The very same bank offering me now with 13% + 0% processing fee.

it is basically … demand and supply …

great
thanks for the detailed explanation

Quote i have failed at times but i never stopped trying rahul dravid 92 90 95
Analyst
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19785
168
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john78 wrote:

Simple … when you ask for more limit … means you are in some financial trouble … so they will either deny or offer less increase … But when you are not asking for limit increase and if they ready to offer some limit increase which they do periodically .. they will offer more limit.

This is purely from my experience. I have requested for limit increase with one of my card and they offered me just 13000 limit increase and another card denied. After few months the same card offered me 150000 limit increase. please note that there is no changes in my income/loans, etc.

Similarly, I asked for a Personal loan a month ago, the bank offered me with interest of 19% + 2% processing fee. I denied the offer. The very same bank offering me now with 13% + 0% processing fee. Still I am not taking it. smile

it is basically … demand and supply …

@SARDARKHAN I agree 100% with this statement. HDFC operates like this. If you ask for something they will look you with suspicion so let them offer themselves and as per my experience (personal as well as in office & friend circle) HDFC offers better limit/upgrades themselves but you have to be patient. After 6 months some new offer would start showing in your account automatically (most probably)

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Deal Lieutenant
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3298
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GoogleCA wrote:

@SARDARKHAN I agree 100% with this statement. HDFC operates like this. If you ask for something they will look you with suspicion so let them offer themselves and as per my experience (personal as well as in office & friend circle) HDFC offers better limit/upgrades themselves but you have to be patient. After 6 months some new offer would start showing in your account automatically (most probably)

ok I will go with the advice and wait for them to offer smile

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SARDARKHAN wrote:

hdfc was not offering me limit enhancement also via netbanking so last week I went ahead and sent my application to their chennai office
and my limit got increased from 25k to 48k

now I want card upgrade also stuck_out_tongue

How much limit you mentioned in the upgrade form? You should have asked more in it.

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Deal Lieutenant
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watever wrote:

How much limit you mentioned in the upgrade form? You should have asked more in it.

I didnt mentioned any confused
only sent a typed letter

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Deal Cadet
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SARDARKHAN wrote:

I didnt mentioned any confused
only sent a typed letter

The limit enhancement form asks you to mention the amount of credit limit you want and then it is upto the bank if they want to increase your credit limit till that amount or not.

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Deal Lieutenant
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watever wrote:

The limit enhancement form asks you to mention the amount of credit limit you want and then it is upto the bank if they want to increase your credit limit till that amount or not.

yes didn’t knew that time pensive

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Deal Cadet
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I received a mail regarding offer to free upgrade of my existing life time free regalia first card to regalia card without any extra cost….when I logged in to my credit card account, it says 2500 charges applicable..so I contacted customer care…they said after upgrade to regalia, it would be free for first year…after that it would be chargeable…it could be life time free if I register for smart pay within 90 days…..I told them regalia first was free because payzapp activation and asked them to make regalia also life time free because I am a regular user of payzapp…..they reiterated the same thing…
So I want to know whether I should upgrade to regalia. If yes then how to make it life time free….
Note-Currently I have good cards like Amazon ICICI, Flipkart axis

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Deal Cadet
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suman1520 wrote:

I received a mail regarding offer to free upgrade of my existing life time free regalia first card to regalia card without any extra cost….when I logged in to my credit card account, it says 2500 charges applicable..so I contacted customer care…they said after upgrade to regalia, it would be free for first year…after that it would be chargeable…it could be life time free if I register for smart pay within 90 days…..I told them regalia first was free because payzapp activation and asked them to make regalia also life time free because I am a regular user of payzapp…..they reiterated the same thing…
So I want to know whether I should upgrade to regalia. If yes then how to make it life time free….
Note-Currently I have good cards like Amazon ICICI, Flipkart axis

I also had regalia first with lifetime free and i just applied for upgradation to regalia the said the same thing that it’s free for first year and than its chargeable. I registered my Tata sky in smartpay for rupees 100 a month let’s see what happens

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Deal Lieutenant
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3298
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suman1520 wrote:

I received a mail regarding offer to free upgrade of my existing life time free regalia first card to regalia card without any extra cost….when I logged in to my credit card account, it says 2500 charges applicable..so I contacted customer care…they said after upgrade to regalia, it would be free for first year…after that it would be chargeable…it could be life time free if I register for smart pay within 90 days…..I told them regalia first was free because payzapp activation and asked them to make regalia also life time free because I am a regular user of payzapp…..they reiterated the same thing…
So I want to know whether I should upgrade to regalia. If yes then how to make it life time free….
Note-Currently I have good cards like Amazon ICICI, Flipkart axis

ask them about smartpay

they have something like if you use if for 1/3 months then cards becomes ltf

I did it for my card the same way but don’ remember the whole task

Ninja tune
Deal Cadet
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suman1520 wrote:

I received a mail regarding offer to free upgrade of my existing life time free regalia first card to regalia card without any extra cost….when I logged in to my credit card account, it says 2500 charges applicable..so I contacted customer care…they said after upgrade to regalia, it would be free for first year…after that it would be chargeable…it could be life time free if I register for smart pay within 90 days…..I told them regalia first was free because payzapp activation and asked them to make regalia also life time free because I am a regular user of payzapp…..they reiterated the same thing…
So I want to know whether I should upgrade to regalia. If yes then how to make it life time free….
Note-Currently I have good cards like Amazon ICICI, Flipkart axis

You must upgrade because you have an option for making it LTF.
Regalia is an excellent card.
You just register any low amount bill and pay them for few months. Later cancel the smartPay bills.
You would hardly lose anything.

Missing