HDFC Regalia Gold LTF Offer

[bhavyakjain]

Hello

I had taken HDFC Freedom Credit Card as LTF in December first half under festive offer.

Now I got to know Regalia Gold is being offered LTF.

Any trick to get RG card under this offer ?

I tried checking from alternative mobile but only seeing DCP, Swiggy & Neu Plus.

 

[Kukku]

It's not good to spend 100 percent of your limit, it decreases your cibil

It's total spend.. with in 6 months.. you can pay before the bill date

 

[honey_jpr]

It's not good to spend 100 percent of your limit, it decreases your cibil

I think he is referrring to spend total of 500k in 6 months period!

 

[gauravbhati]

I didn't spend much.. less than 40000. What is your limit on the card. I think need 300000 for upgrade

My limit is 1.4L
I have Millennia Diners , Swiggy, Tata Neu+

Single limit pooled together.

 

[harshraj013]

How to increase the card limit in hdfc? For me spending is not the problem, the limit on the card is main problem?

 

[NikhilG]

My limit is 1.4L
I have Millennia Diners , Swiggy, Tata Neu+

Single limit pooled together.

How you got swiggy and Tata neu+ after diners millenia?
I have diners millenia ltf and then I apply any other online it denies me

 

[NikhilG]

So I have been declined upgrade from diners millenia to regalia gold ltf
I have online upgrade offer from diners millenia to dcp ltf. Should I do?

 

[Kukku]

My limit is 1.4L
I have Millennia Diners , Swiggy, Tata Neu+

Single limit pooled together.

You have to wait for the limit enhancement or file your salary slip and ITR in Chennai office. Limit should be 300000 for regalia gold upgrade

 

[Kukku]

So I have been declined upgrade from diners millenia to regalia gold ltf
I have online upgrade offer from diners millenia to dcp ltf. Should I do?

I am not a expert. But in my opinion you should upgrade your card. Regalia gold or dcp it's up to you.. I have upgraded to regalia gold LYF recently. Based on spend you can choose one of the card. Regalia gold is a good cars of you can spend wisely. Dcp is also good... Choice is yours. But you should upgrade.

 

[gauravbhati]

How you got swiggy and Tata neu+ after diners millenia?
I have diners millenia ltf and then I apply any other online it denies me

I got Millennia diners in 2022 then I got Neu in 2023 with split limit and in 2024 I applied for Swiggy card through the app and it asked to Agree with shared limit and done.

But they have not given any limit enhancement to me in the past 2 years.
Nor I am making any effort to enhance limit but now will send them the ITR and all stuff to see what LE they give.

You have to wait for the limit enhancement or file your salary slip and ITR in Chennai office. Limit should be 300000 for regalia gold upgrade

Waited too long 2 years + ... Now will send them the documents soon.

 

[NikhilG]

I also lost an opportunity to upgrade from millenia to dcp. Last month it showed ltf dcp upgrade
Today when I checked online it says 1000 rs.
I don't know what they did when I asked them about regalia gold, they even killed my dcp ltf as well

 

[gauravbhati]

I also lost an opportunity to upgrade from millenia to dcp. Last month it showed ltf dcp upgrade
Today when I checked online it says 1000 rs.
I don't know what they did when I asked them about regalia gold, they even killed my dcp ltf as well

😂

I didn't got DCP as ltf or else I would have upgraded...

 

[aniketkr.sharma]

I also lost an opportunity to upgrade from millenia to dcp. Last month it showed ltf dcp upgrade
Today when I checked online it says 1000 rs.
I don't know what they did when I asked them about regalia gold, they even killed my dcp ltf as well

You have good limit to get RG Fyf

 

[honey_jpr]

Just received a call from RM I am eligible for only Regalia Gold LTF, also stating spends criteria in last 6 months for DCB is 7Lac and Infinia is 9Lakh.

Chose for RG LTF for now.

 

[aniketkr.sharma]

Just received a call from RM I am eligible for only Regalia Gold LTF, also stating spends criteria in last 6 months for DCB is 7Lac and Infinia is 9Lakh.

Chose for RG LTF for now.

RM didn't mentioned you about CL?

 

[honey_jpr]

He mentioned about salary credit to the account should be 2.5 Lac for DCB and 5Lac for Infinia

 

[NikhilG]

You have good limit to get RG Fyf

But they not giving somehow, also just because of posting here on community and seeking of answers i also now lost DCP ltf
I'm feeling sad

 

[aniketkr.sharma]

He mentioned about salary credit to the account should be 2.5 Lac for DCB and 5Lac for Infinia

Even with salary credit, they will not offer if you doesn't have sufficient CL.

 

[aniketkr.sharma]

But they not giving somehow, also just because of posting here on community and seeking of answers i also now lost DCP ltf
I'm feeling sad

Just do the spends of 3 lacs in last six months
And ask grievance they will definitely offer you regalia fyf

 

[NikhilG]

I have 4.5 limit on millennia, 1.5 lakh salary and 852 civil score. If they can't offer me any upgrade, what to say more

 

[aniketkr.sharma]

I have 4.5 limit on millennia, 1.5 lakh salary and 852 civil score. If they can't offer me any upgrade, what to say more

They need inhand salary of 1.5 not pre-tax and deductions