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Hdfc card upgrade related

Hi everyone. I'm having an LTF paytm hdfc credit card which I'm being using since 3 years. I'm also having another tata neu plus credit card and using it since 2+ years.

As they both are co-branded cards and not eligible for instant discounts I have raised a request to upgrade my LTF paytm credit card to a core credit card. First the customer care team rejected it and I again sent mail to grievance redressal team.

This time they responded positively and agreed to upgrade it moneyback plus card but only as FYF.

I'm mostly using my tata neu card as it supports upi spends and also I'm having regular purchases in tata neu app and I was able to achieve the 1 lac spends per year and I'm getting the annual fee waived off for it.

Now my question is: 1) Should I go for the FYF moneyback plus credit card upgrade even though it gets charged after 1st year. Because I'll lose my LTF paytm card but can I again ask them to make this money back card also to LTF? If is asking there is any possibility for that?

2) If they won't agree for LTF money back card and I took it as FYF for now. Later will there be any possibility that I can convert my tata neu card as LTF by requesting them again after few months as I'm already spending more than 1 lac which is the annual spends limit for few waiver for this year too,which makes 2 years.

If there is any tips and tricks to do that please let me know.

TIA.
 
Hi everyone. I'm having an LTF paytm hdfc credit card which I'm being using since 3 years. I'm also having another tata neu plus credit card and using it since 2+ years.

As they both are co-branded cards and not eligible for instant discounts I have raised a request to upgrade my LTF paytm credit card to a core credit card. First the customer care team rejected it and I again sent mail to grievance redressal team.

This time they responded positively and agreed to upgrade it moneyback plus card but only as FYF.

I'm mostly using my tata neu card as it supports upi spends and also I'm having regular purchases in tata neu app and I was able to achieve the 1 lac spends per year and I'm getting the annual fee waived off for it.

Now my question is: 1) Should I go for the FYF moneyback plus credit card upgrade even though it gets charged after 1st year. Because I'll lose my LTF paytm card but can I again ask them to make this money back card also to LTF? If is asking there is any possibility for that?

2) If they won't agree for LTF money back card and I took it as FYF for now. Later will there be any possibility that I can convert my tata neu card as LTF by requesting them again after few months as I'm already spending more than 1 lac which is the annual spends limit for few waiver for this year too,which makes 2 years.

If there is any tips and tricks to do that please let me know.

TIA.
You can try during diwali time . They might agree .
 
You can try
Whatever I say they're just denying and saying they can't issue a LTF card.

I'm getting in app notification to apply a LTF card but after trying it says you already have a credit card with us all the time.

All I have is 3 co-branded cards which are paytm hdfc, tata neu plus & Swiggy (which I closed as I have sbi cashback).

If I opt for a FYF card they won't convert it to LTF later.

If in case I agree now for FYF card and upgrade my LTF paytm card to FYF core credit card then I'll be having only 2 cards.

1 core card and 1 co-branded card.

Later will there be any chance that I can get another core credit card as LTF if they run any campaign?
 
Whatever I say they're just denying and saying they can't issue a LTF card.

I'm getting in app notification to apply a LTF card but after trying it says you already have a credit card with us all the time.

All I have is 3 co-branded cards which are paytm hdfc, tata neu plus & Swiggy (which I closed as I have sbi cashback).

If I opt for a FYF card they won't convert it to LTF later.

If in case I agree now for FYF card and upgrade my LTF paytm card to FYF core credit card then I'll be having only 2 cards.

1 core card and 1 co-branded card.

Later will there be any chance that I can get another core credit card as LTF if they run any campaign?
Converting the Paytm HDFC to a core card should be your priority IMO. They don't convert the Tata Neu cards to LTF that easily. I have been trying to convert my Tata Neu Infinity to LTF since long (have 4L+ annual spend on it). Still, they keep denying me for LTF conversion.
 
Whatever I say they're just denying and saying they can't issue a LTF card.

I'm getting in app notification to apply a LTF card but after trying it says you already have a credit card with us all the time.

All I have is 3 co-branded cards which are paytm hdfc, tata neu plus & Swiggy (which I closed as I have sbi cashback).

If I opt for a FYF card they won't convert it to LTF later.

If in case I agree now for FYF card and upgrade my LTF paytm card to FYF core credit card then I'll be having only 2 cards.

1 core card and 1 co-branded card.

Later will there be any chance that I can get another core credit card as LTF if they run any campaign?
This year when campaign was running by hdfc many existing customers tried to apply LTF millennia but none of them got as the website showed you currently hold a credit card .
After holding co-branded card with HDFC it's difficult to get core get .
Whole forum is full of these comments.

In future you might get LTF of the fyf card but it all depends upon bank .
 
Converting the Paytm HDFC to a core card should be your priority IMO. They don't convert the Tata Neu cards to LTF that easily. I have been trying to convert my Tata Neu Infinity to LTF since long (have 4L+ annual spend on it). Still, they keep denying me for LTF conversion.
Literally the LTF paytm card has no use for me now and that's why I wanted to upgrade it but they're offering FYF only
 
This year when campaign was running by hdfc many existing customers tried to apply LTF millennia but none of them got as the website showed you currently hold a credit card .
After holding co-branded card with HDFC it's difficult to get core get .
Whole forum is full of these comments.

In future you might get LTF of the fyf card but it all depends upon bank .
So can I go ahead for FYF card upgrade for my paytm card for now and wait for few months and then apply for a LTF card when they runs a campaign again?
 
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