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My HDFC credit card journey and the way forward

I am someone who spoiled many good chances of getting better cards early on. But HDFC has been overall good to me, and nothing went wrose.
When I started my credit card journey, I was not aware about core/cobranded problems of HDFC.
I have posted in different threads about these milestones but I thought a dedicated post will help to document everything in one place.
Here's a rough timeline of my journey with HDFC so far:
  • April 2023: Applied and got Tata Neu Plus FYF (Limit 86k)
  • July 2023: Closed Neu Plus permanently (Because I wanted Infinity)
  • November 2023: Applied and got Swiggy (Paid 500 JF + 500 AF, Limit: 1.25L)
  • September 2024: Credit limit of Swiggy card increased to 1.52L
  • October 2024: Applied and got Neu Infinity. (FYF, same limit, 1.52L)
  • November 2024: Got both Neu and Swiggy converted to LTF
  • December 2024: Opened HDFC salary account (Preferred variant)
  • January 2025 onwards: Salary started crediting in HDFC account (net monthly: 2L)
  • March 2025: Limits of Neu Infinity and Swiggy enhanced to 7.63L (used these cards extensively in the last 2 months)
  • May-end 2025: Waited for 2-3 months but no preapproved offers have come yet.
  • May 26-29. 2025: Applied for Freedom card via Paytm, got it approved & received the physical card. Same limit as other existing cards.
  • June 1 2025: Applied for Mariott Bonvoy card. got rejected. (will have to wait for cooling period to apply for a new card)
  • June 2 2025: Wrote mail to greivence redressal and PNO to upgrade Freedom card. Waiting for their response.
  • June 10, 2025: Mariott card approved. (VKYC, address verification etc completed last week)
  • June 11, 2025: Upgrade request rejected by PNO/GRO (Freedom to RG/DCB)
As of now I am standing with 4 cards - HDFC Swiggy, Tata Neu Infinity, Mariott Bonvoy, and Freedom.
My future plan is to upgrade Freedom to a better core card - RG/DCB/Infinia and also to get the MB card.
I will also have to change/alter my spend patterns to align with the best case usage of these cards.
There is a long way to go in front of me. I will update my future journey here as and when it happens.
 
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I am using credit cards from last 5 years, My first CC is from SBI then I started my learning journey. In 2023 applied twice for Tata Neu but got rejected every time. I saw on internet to open an account for increase approval chances, opened in Sept 2023 applied for CC get paid MB+ with 50K limit. used for few months and closed in April 2024 because of low limit and peoples telling me that there will be no upgrade from MB+ you will be stuck here for years. Waiting for cooling period over and Millenia LTF offer but at last again i make mistake with applying for CC in Diwali offer but didn't completed form and again in November but got rejected. This was my big mistake because in Jan Millenia was LTF for everyone but not for me because my cooling period was not over till offer date tried in last but couldn't completed because my previous application. Moved my bills to Bill pay and make FD maintaining more then 50K balance for Millenia LTF offer but everyday getting mail and also in Offer section of NB LTF Freedom & Pixel but ignoring and still waiting for Millenia LTF offer.
I need some suggestions from you guys
1. What to do for Millenia LTF?
2. Is it good or worth it to take Freedom LTF?
3. Is there any benefit of mailing HDFC?
4. Any other suggestions what you think will be beneficial for me.
Thanks in advance , CIBIL 780+
 
I am using credit cards from last 5 years, My first CC is from SBI then I started my learning journey. In 2023 applied twice for Tata Neu but got rejected every time. I saw on internet to open an account for increase approval chances, opened in Sept 2023 applied for CC get paid MB+ with 50K limit. used for few months and closed in April 2024 because of low limit and peoples telling me that there will be no upgrade from MB+ you will be stuck here for years. Waiting for cooling period over and Millenia LTF offer but at last again i make mistake with applying for CC in Diwali offer but didn't completed form and again in November but got rejected. This was my big mistake because in Jan Millenia was LTF for everyone but not for me because my cooling period was not over till offer date tried in last but couldn't completed because my previous application. Moved my bills to Bill pay and make FD maintaining more then 50K balance for Millenia LTF offer but everyday getting mail and also in Offer section of NB LTF Freedom & Pixel but ignoring and still waiting for Millenia LTF offer.
I need some suggestions from you guys
1. What to do for Millenia LTF?
2. Is it good or worth it to take Freedom LTF?
3. Is there any benefit of mailing HDFC?
4. Any other suggestions what you think will be beneficial for me.
Thanks in advance , CIBIL 780+
Is limit showing in freedom?
 
looks like i am following your foot step - recently closed nue plus card. although i already have salary acc.

- November 2024: Got both Neu and Swiggy converted to LTF ??? how ??

could you please let us know did you drop any email or your RM helped.
 
Correct. Rejected again. Just now got the email. Thanks.

This is with reference to your recent email dated June 11, 2025 regarding your HDFC Bank credit card account.
We understand that you wish to avail upgrade on your credit card account to Regalia Gold card. We take this opportunity to inform you that, the Rupay Freedom credit cards has recently issued on May 30 ,2025 hence upgrade and fresh issuance shall be reviewed after 06 months from the date of card issuance.
We wish to inform that card upgrade offers are periodic which will be determined based on Bank's internal credit policy (which is based on a combination of financial and related criteria and/or statistically determined scores to assess credit eligibility) and operating/credit processes ( which include a combination of verifications, credit bureau reports and document verifications) in addition to parameters such as card usage, re-payments etc.
We reviewed your request of card upgrade in line with parameters explained above , however, we regret to accede to your request at this point in time as it did not meet the necessary parameters set at the bank. We deeply regret the inconvenience caused to you in this regard.
Please be assured that bank will continue to evaluate the card profiles periodically and if your card account is found eligible for card upgrade offer in near future, we shall intimate you appropriately. We seek your earnest understanding in this regard.
as you said you get card in last week of may and sending upgrade request on first week of june
what are the reason you thought they will upgrade the card with in 15 days of issuing it
 
By the way why do you need two core card?
csm_core2duo_logo_01_28b8481025.jpg

Dual core
Do more
 
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