Any way to get HDFC core credit card for Co-brabded cc holders

[Fini7777]

I know a lot of ppl here facing this issue

Has anyone here started with an HDFC co-branded credit card and later successfully got an HDFC core credit card without closing co-branded one?

A common issue that I’ve noticed is that if you get your first credit card from HDFC as a co-branded card, it becomes quite challenging to obtain a core HDFC credit card later on. For those who’ve been through this, you might understand how tricky it can be to add a core HDFC card to your portfolio.

I’m curious to know if anyone has managed to navigate this hurdle and successfully received an HDFC core credit card after starting with a co-branded one. If you did, could you share how you went about it?

 

[Fini7777]

yes of course. RG or higher. Is there a risk in this approach?

Yss, HDFC is unpredictable
Most likely they'll agree to upgrade but directly to RG Ord DCBM, not sure

If they don't agree for direct RG it becomes a lengthy process for u

I think u have a good limit so, u case is strong and they might approve ur req easily

 

[aniketkr.sharma]

Yes, I had a tata neu plus fyf then upgraded to tata neu infinity fyf and then upgraded to millennia fyf and converted to ltf and then got tata neu infinity fyf and and now upgraded to regalia gold ltf and found tata neu infinity also got ltf, now trying to upgrade for dcb asap

Got upgraded to dcbm in march

 

[cardio_guycardio_guy is verified member.]

Yss, HDFC is unpredictable
Most likely they'll agree to upgrade but directly to RG Ord DCBM, not sure

If they don't agree for direct RG it becomes a lengthy process for u

I think u have a good limit so, u case is strong and they might approve ur req easily

Yes, you are right, they are unpredictable.
But 1, higher limit on existing card, and one more - salary acc is also with HDFC with good monthly net credit.
These two were the strong cases that I was planning to put forward.
Before all that, first let them approve this card 🙂

 

[Fini7777]

Got upgraded to dcbm in march

Current CL?
spends?

 

[Sahil_07]

yes of course. RG or higher. Is there a risk in this approach?

no but you have to wait. Also I don't think you will de upgraded to RG gold direct, I think they will upgrade it to Milleania first

 

[cardio_guycardio_guy is verified member.]

no but you have to wait. Also I don't think you will de upgraded to RG gold direct, I think they will upgrade it to Milleania first

Thanks. Coming to the upgrade part, I think there are different ways again:

1. Automatic offers that pop up on net banking, or app. this could be spend based. This can be Moneyback, Millenia Regalia or what not.
2. Manual upgrade by sending mail or form to their office. Again, depends on existing credit limit, usage, credit score, slary, other relations with HDFC & what not.
3. Cooling off period - After getting Freedom, there could be some 6 months cooling off period before I can ask for an upgrade.
All these things I will consider. Thanks for the heads up.

 

[aniketkr.sharma]

Current CL?
spends?

12 lacs
More than 10 lacs