No upgrades on HDFC credit card

[KFO iug]

I was offered HDFC business moneyback in 2022 which was my first credit card with a limit of 1L, this was my first credit card and ever since then I’ve gotten the Tata Neu Plus, Swiggy, and now Marriot Bonvoy.

HDFC hasn’t once given me an upgrade or a limit enhancement and has always rejected my requests for the same. I’ve always had some sort of EMI running on the card, mostly no cost EMIs, I’m wondering if that could be a reason. It is coming up to almost 3 years without any limit enhancement or upgrade offers.

What should I do?

 

[Gau₹av]

Thanks for sharing your inputs, Pls enlighten us Difference between Milennium Debit Card vs Milennium Credt Card.

Search the forum using Google (site:technofino.in) and you will find: https://www.technofino.in/community/threads/millennia-dc-vs-millennia-cc-benefits.13830/

 

[hender]

Search the forum using Google (site:technofino.in) and you will find: https://www.technofino.in/community/threads/millennia-dc-vs-millennia-cc-benefits.13830/

Thanks for sharing 🙏

 

[Umang85]

Bro push you will get dcbm

I asked for eligibility. Got below reply.
"Dear Mr. Shah,

This is with reference to your e-mail dated February 26, 2025 regarding HDFC credit card upgrade.



Upon receipt of your email we wish to inform you that we cannot able to share the eligible criteria as per the internal policies, if you want to know about the product and eligibilty please do visit the nearest branch to know about the criteria."

This is an ongoing mail chain with escalation.cc@hdfcbank.com

Am I following up with the wrong people?

 

[Aniket Sharma]

I asked for eligibility. Got below reply.
"Dear Mr. Shah,

This is with reference to your e-mail dated February 26, 2025 regarding HDFC credit card upgrade.



Upon receipt of your email we wish to inform you that we cannot able to share the eligible criteria as per the internal policies, if you want to know about the product and eligibilty please do visit the nearest branch to know about the criteria."

This is an ongoing mail chain with escalation.cc@hdfcbank.com

Am I following up with the wrong people?

I think try escalating to pno will work

 

[Umang85]

I think try escalating to pno will work

Do you know the email for this?

 

[msd07]

Requested for DCB metal and they are offering only FYF.. i have sent one more mail to reconsider by copying priority team...again same person from grievenace team replied that only FYF can be offered and not LTF.... damn....

 

[msd07]

Do you know the email for this?

pnohdfcbank@hdfcbank.com is the id

 

[bhavik886151]

With Business MoneyBack you have to negotiate a lot with HDFC, repeatedly. Just keep trying. Eventually some day they may agree to Millennia FYF. Don't close Neu Plus and Swiggy now that you have gotten them.

I took a different approach but was stuck in a rut for some while. I was originally given Business MoneyBack LTF in 2022 with 1.88L limit. Took it because limit was decent, without knowing that this cursed card doesn't work in sales on Amazon/Flipkart discounts nor does it get consumer card upgrades easily. Then got Neu Infinity LTF in 2023. Requested upgrade/conversion of Business MoneyBack to Millennia many times. Declined. Did some spends even though hard to justify spends on this card and when offers don't even work. Again declined upgrade so closed it. That was probably a mistake. I should have kept trying to get them to flip/upgrade it to Millennia.

Then got Swiggy LTF in 2024 - one of the first ones to get it LTF. But then I was stuck with 2 cobranded Neu Infinity LTF and Swiggy LTF. After this, HDFC would decline any core card via any channel. Offline/C2C they even refused to process application for Millennia unless I closed both Neu and Swiggy WTF! I made the branch check with the regional credit card head who also refused to entertain any credit card application unless both cobranded were closed. I argued and fought a lot saying how can they expect me to close both cards to get 1 core card - at least most I would give up Neu for Millennia if I was allowed to keep Swiggy LTF but they didn't relent.

Online it kept saying you have recently applied for a card so via any online channel or pre-approved offer, it was impossible too. Finally after Diwali, Freedom card was offered on Paytm app LTF. I grabbed it and now have Freedom LTF via Paytm channel as a faaltu core card with 0.1% reward, without closing Neu Infinity and Swiggy. But Freedom is a core card and is not excluded in sales/discount offers. Then got Pixel Play Visa+RuPay LTF too since they work on instant discounts like the Freedom card.

Now 6 months later will request upgrade to Millennia. Consumer LTF card to Millennia paid/FYF is a lot easier than Business MoneyBack LTF to Millennia FYF. Meanwhile I am trying to get UPI RuPay also as another virtual card that works in discounts.

UPDATE: TL;DR. Long story short, I finally got Millennia FYF, Swiggy LTF, Neu Infinity LTF, Pixel Play Visa & RuPay LTF and UPI RuPay (which also works on instant discounts)

you get upgrade from freedom to millennia can you share the process you followed i mail them for the same and waiting for there reply

 

[Gau₹av]

you get upgrade from freedom to millennia can you share the process you followed i mail them for the same and waiting for there reply

Got Freedom in Nov 2024. Millennia FYF in June 2025. Did 2L spends and asked for upgrade over email. They agreed.

 

[bhavik886151]

Got Freedom in Nov 2024. Millennia FYF in June 2025. Did 2L spends and asked for upgrade over email. They agreed.

upgrade with any income documents ?

 

[Beyond]

With Business MoneyBack you have to negotiate a lot with HDFC, repeatedly. Just keep trying. Eventually some day they may agree to Millennia FYF. Don't close Neu Plus and Swiggy now that you have gotten them.

I took a different approach but was stuck in a rut for some while. I was originally given Business MoneyBack LTF in 2022 with 1.88L limit. Took it because limit was decent, without knowing that this cursed card doesn't work in sales on Amazon/Flipkart discounts nor does it get consumer card upgrades easily. Then got Neu Infinity LTF in 2023. Requested upgrade/conversion of Business MoneyBack to Millennia many times. Declined. Did some spends even though hard to justify spends on this card and when offers don't even work. Again declined upgrade so closed it. That was probably a mistake. I should have kept trying to get them to flip/upgrade it to Millennia.

Then got Swiggy LTF in 2024 - one of the first ones to get it LTF. But then I was stuck with 2 cobranded Neu Infinity LTF and Swiggy LTF. After this, HDFC would decline any core card via any channel. Offline/C2C they even refused to process application for Millennia unless I closed both Neu and Swiggy WTF! I made the branch check with the regional credit card head who also refused to entertain any credit card application unless both cobranded were closed. I argued and fought a lot saying how can they expect me to close both cards to get 1 core card - at least most I would give up Neu for Millennia if I was allowed to keep Swiggy LTF but they didn't relent.

Online it kept saying you have recently applied for a card so via any online channel or pre-approved offer, it was impossible too. Finally after Diwali, Freedom card was offered on Paytm app LTF. I grabbed it and now have Freedom LTF via Paytm channel as a faaltu core card with 0.1% reward, without closing Neu Infinity and Swiggy. But Freedom is a core card and is not excluded in sales/discount offers. Then got Pixel Play Visa+RuPay LTF too since they work on instant discounts like the Freedom card.

Now 6 months later will request upgrade to Millennia. Consumer LTF card to Millennia paid/FYF is a lot easier than Business MoneyBack LTF to Millennia FYF. Meanwhile I am trying to get UPI RuPay also as another virtual card that works in discounts.

UPDATE: TL;DR. Long story short, I finally got Millennia FYF, Swiggy LTF, Neu Infinity LTF, Pixel Play Visa & RuPay LTF and UPI RuPay (which also works on instant discounts)

How you been able to convert to millennia from freedom?
Also since december 24, hdfc is replying that tata neu and swiggy cant be provided on shared limit! How you secured both?
(most of the users got before that)

 

[Gau₹av]

upgrade with any income documents ?

Yes ITR given after they asked for it, not upfront

How you been able to convert to millennia from freedom?
Also since december 24, hdfc is replying that tata neu and swiggy cant be provided on shared limit! How you secured both?
(most of the users got before that)

Feb 2022: Tried for Millennia without account and was declined. My first ever credit cards approved were SBI SimplyCLICK 1L and Amazon Pay ICICI 40K in Jan 2022.
Mar 2022: Opened HDFC SavingsMax account and created FD
Oct 2022: Got Business MoneyBack 1.88L LTF pre-approved offer, due to self-employed, consumer cards not showing so took it. Then Dec 2022: Neu Plus FYF via Neu app
2003 IPL season: Made Neu Plus LTF due to spend-based offer to make it LTF from Tata Neu. Since significant spends were already done, I casually asked HDFC in Jul 2023 over email if Neu Infinity was possible. They agreed to Neu Infinity LTF.
Then closed Business MoneyBack as despite repeated requests to flip/upgrade it to Millennia they were not agreeing. Also it was hard to do spends on Business MoneyBack since instant discounts didn't work on AZ and FK. And without spends they wouldn't upgrade. So angrily closed it in Dec 2024.
Feb 2025: Applied for Millennia C2C offline via branch. Declined for home address same as office address issue.
May 2024: Got Swiggy LTF pre-approved via Swiggy app
Now was left with 2 cobranded, Swiggy LTF & Neu Infinity LTF but no core cards. Branch refused to even apply for Millennia C2C/offline and online it would just say "You recently applied....."
Tried for LTF Freedom card via Paytm in Nov 2024 and was approved
Jan 2025: Got Pixel Play Visa and RuPay LTF - assigned it 30K to keep other cards at 1.58L (Above 1.5L HDFC has "premium cards" criteria like Neu Infinity, might be the same for PhonePe Ultimo once they start issuing it to everyone)
Apr 2025: Changed Neu Infinity RuPay to Visa, they kept denying even UPI RuPay as Neu was on RuPay. Finally after Neu changed to Visa, got UPI RuPay via My Cards (this card works in discounts/sales)
June 2025: Finally enough spends done on Freedom, requested Millennia upgrade. Initially denied then gave income docs, then upgraded to FYF.
July 2025: Tried greedily for Paytm HDFC via Paytm. Was declined

Long journey to Millennia due to self-employed 😞
Now hoping to get PhonePe Ultimo.
A 2nd core card, e.g. DCP would also be nice but now seems impossible but then nothing is impossible. So in the future, I can keep Millennia and upgrade it to DCB, Infinia etc.

 

[Beyond]

Yes ITR given after they asked for it, not upfront

Feb 2022: Tried for Millennia without account and was declined. My first ever credit cards approved were SBI SimplyCLICK 1L and Amazon Pay ICICI 40K in Jan 2022.
Mar 2022: Opened HDFC SavingsMax account and created FD
Oct 2022: Got Business MoneyBack 1.88L LTF pre-approved offer, due to self-employed, consumer cards not showing so took it. Then Dec 2022: Neu Plus FYF via Neu app
2003 IPL season: Made Neu Plus LTF due to spend-based offer to make it LTF from Tata Neu. Since significant spends were already done, I casually asked HDFC in Jul 2023 over email if Neu Infinity was possible. They agreed to Neu Infinity LTF.
Then closed Business MoneyBack as despite repeated requests to flip/upgrade it to Millennia they were not agreeing. Also it was hard to do spends on Business MoneyBack since instant discounts didn't work on AZ and FK. And without spends they wouldn't upgrade. So angrily closed it in Dec 2024.
Feb 2025: Applied for Millennia C2C offline via branch. Declined for home address same as office address issue.
May 2024: Got Swiggy LTF pre-approved via Swiggy app
Now was left with 2 cobranded, Swiggy LTF & Neu Infinity LTF but no core cards. Branch refused to even apply for Millennia C2C/offline and online it would just say "You recently applied....."
Tried for LTF Freedom card via Paytm in Nov 2024 and was approved
Jan 2025: Got Pixel Play Visa and RuPay LTF - assigned it 30K to keep other cards at 1.58L (Above 1.5L HDFC has "premium cards" criteria like Neu Infinity, might be the same for PhonePe Ultimo once they start issuing it to everyone)
Apr 2025: Changed Neu Infinity RuPay to Visa so I would get UPI RuPay offer (UPI RuPay works in discounts/sales) and got it via My Cards
June 2025: Finally enough spends done on Freedom, requested Millennia upgrade. Initially denied then gave income docs, then upgraded to FYF.
July 2025: Tried greedily for Paytm HDFC via Paytm. Was declined

Long journey to Millennia due to self-employed 😞
Now hoping to get PhonePe Ultimo.
A 2nd core card, e.g. DCP would also be nice but now seems impossible but then nothing is impossible. So in the future, I can keep Millennia and upgrade it to DCB, Infinia etc.

Yes, no other bank makes simple cc application so unnecessarily hard, due to arbitrary rules. Also PhonePe ultimo can be averted with airtel axis (if airtel ecosystem)