HDFC CC not offering Upgrade or Limit Enhancement

[sri_cc]

My takehome salary: >2L

Relationship with HDFC

1. Savings Max account personal (unfortunately my company is a startup and not listed in HDFC, so couldn't get a salary account)
2. Normal savings accounts for both my parents
3. Locker in hometown
4. HDFC Ergo (term insurance)

Existing cards - Limits

• ICICI Coral - 1L
• ICICI Apay - 6.3L
• Axis Flipkart - 2L
• SBI CB - 1.1L
• Kotak White - 2.1L
• IDFC Wealth - 5L
• HDFC MB+ - 34K

I'm stuck with HDFC MB+ CC, I want at least Regalia Gold LTF. Also want the Tata Neu Infinity card as well, but Tata Neu app is showing only the Plus card, that too shared limit with MB+ (34K) and only FYF. Now I have the foll options,

1. Cancel the MB+ card and apply for Regalia Gold LTF via C2C method (branch people near my home are saying it will be processed as LTF for my salary, but read here that it's hit and miss for HDFC C2C) and then take the TataNeu Card Plus and then write to grievance cell asking it to upgrade to Infinity LTF. (prefer this as Regalia is the long term card, but confused after reading threads on the forum saying C2C for Regalia Gold is hit/miss with HDFC)
2. Take the Tata NeuCard Plus first and then go with C2C application and then write to HDFC grievance cell mentioning all the above information and ask them to upgrade it to Tata Neu Infinity LTF.

Please suggest the best course of action.

 

[SSV]

I'm being offered HDFC DCP as LTF, thinking whether to take it or not. Earlier I've cancelled MB+ & TN+ to get RG LTF or DCB/INF paid. It was not happening so went with Amex cards and have been using them for quite some time now. But eventual goal is INFINIA, so not sure whether to take it or not. Please share your thoughts.

cc @SSV

W a i t

 

[sri_cc]

W a i t

@SSV my eventual goal is INFINIA/DCB (paid is fine)

Now there are 2 routes right?

One is I can take this DCP LTF, wait for the limit to be increased to ~8L and either wait until I get an upgrade offer or move all my spends for 6 months on this card and then request for DCB upgrade (given spends have to be >7.5L)

Else, wait until I get RG FYF offer and follow similar route. But initially I'm not sure if I'd be able to spend >4lpa to negate the fees of this card until I get the DCB upgrade. So not sure if this is suitable for me.

Please suggest what should do? or if there are ways to reach INF/DCB (not interested in ULIPs).

BTW, little updates to my profile.
Takehome is now 1.9lpm. I get RSU at year end but that's not counted by these people.
Company is FAANG level, has tie up with HDFC.

 

[SSV]

@SSV my eventual goal is INFINIA/DCB (paid is fine)

Now there are 2 routes right?

One is I can take this DCP LTF, wait for the limit to be increased to ~8L and either wait until I get an upgrade offer or move all my spends for 6 months on this card and then request for DCB upgrade (given spends have to be >7.5L)

Else, wait until I get RG FYF offer and follow similar route. But initially I'm not sure if I'd be able to spend >4lpa to negate the fees of this card until I get the DCB upgrade. So not sure if this is suitable for me.

Please suggest what should do? or if there are ways to reach INF/DCB (not interested in ULIPs).

BTW, little updates to my profile.
Takehome is now 1.9lpm. I get RSU at year end but that's not counted by these people.
Company is FAANG level, has tie up with HDFC.

Don’t take DCP , you have more reasons to wait for a better card as your profile is strong..

 

[neo.puneet]

yes, wait for DCB - https://www.technofino.in/community/threads/paid-dcb-metal-journey.27558/