Journey to LTF HDFC Regalia Credit card

[Dad0h0j0]

since 2017 i was using HDFC regalia first card, and my father have good rep. with HDFC bank i got 1.35 L Regalia First card. Then till 2021 i increased limit to 4.80 L. and upgreaded to Regalia Visa. but card was not LTF, but my spend was about 3.5L per year, I haven't paid any Fee (ie 2500 Rs)

I did mistake in 2023 buy Appling Neu Repay card (TATA Neu Infinity)(As a Floater) through neu app not with branch so I got FYF not LTF. If i have done through branch i might have got LTF.

So, now my spend is 3.5 L year, and both my card are paid card (2500 Rs. for Regalia; and 1500 Rs for Neu Infinity) both card are sharing Limit but to waive off of fee require 3L transaction each. That was unfair according to me if Limit is shared waive off criteria should be shared too, I ask my RM to Either do sharing of Waive of limit or just get one of my card LTF. He did "TRY" and said its not possible.

My credit score was 878 in exprion and 812 in CIBIL, and through TechnoFino community I get to know how i can get leverage and ask them to do LTF.

So I applied and Got these cards:

• ICICI Amazon LTF : 3L Limit
• ICICI Sapphiro Amex + MC : 3L Limit
• Axis Neo Card LTF : 4.80L Limit (Card to Card)(After my NEO card arrived the MYZONE got LTF, Missed that)
• IDFC First Select LTF : 2L Limit

Now with this i mailed them to LTF my card. AND GUESS WHAT they DID!

well just for regalia the got me LTF, As tata neu was branded card they said they cant do much.

______

1. So should i got any more card? Suggest any LTF Cards?
2. Can i convert my tata neu infinity Rupay to LTF? if yes, than how?
3. If not Neu infinity rupay, what is best card to do UPI Transaction to get reward?(Tata neu give 1.5% upto 500 Rs.)

 

[D₹V]

Use search button

 

[techt]

Congrats !!! You already got the best option.
When you pay annual fee for tata neu infinity, they give equivalent points of 1499. So effectively the GST of it which is about 270inr is the fee. With occasional offers this too gets covered up.

Still if you are unhappy, mail them after 6 months.

 

[D₹V]

Congrats !!! You already got the best option.
When you pay annual fee for tata neu infinity, they give equivalent points of 1499. So effectively the GST of it which is about 270inr is the fee. With occasional offers this too gets covered up.

Still if you are unhappy, mail them after 6 months.

Is it for renewal too?

I don't think

 

[Dad0h0j0]

Is it for renewal too?

I don't think

No just for the joining fees, I think.

 

[techt]

Is it for renewal too?

I don't think

Joining Fee	Zero (First Year Free)
Welcome Benefit	None
Annual Fee	Rs 1499+GST or LTF
Renewal Benefit	1499 NeuCoins if fee is charged
Annual Fee Waiver	Spend Rs 3 Lakh in a membership year

 

[Animal]

If your Infinity is on Rupay then you should be able to achieve 300K spend easily.

 

[techt]

If your Infinity is on Rupay then you should be able to achieve 300K spend easily.

3 Lakh INR spend. Lets speak local dialect of money.

 

[Dad0h0j0]

3 Lakh INR spend. Lets speak local dialect of money.

If your Infinity is on Rupay then you should be able to achieve 300K spend easily.

do flipkart and amazon HDFC offer apply with their branded cards? ie Neu Card?

 

[Animal]

do flipkart and amazon HDFC offer apply with their branded cards? ie Neu Card?

Yes it works.

 

[D₹V]

Joining Fee	Zero (First Year Free)
Welcome Benefit	None
Annual Fee	Rs 1499+GST or LTF
Renewal Benefit	1499 NeuCoins if fee is charged
Annual Fee Waiver	Spend Rs 3 Lakh in a membership year

Gr e at

 

[calculatedRISK1433]

since 2017 i was using HDFC regalia first card, and my father have good rep. with HDFC bank i got 1.35 L Regalia First card. Then till 2021 i increased limit to 4.80 L. and upgreaded to Regalia Visa. but card was not LTF, but my spend was about 3.5L per year, I haven't paid any Fee (ie 2500 Rs)

I did mistake in 2023 buy Appling Neu Repay card (TATA Neu Infinity)(As a Floater) through neu app not with branch so I got FYF not LTF. If i have done through branch i might have got LTF.

So, now my spend is 3.5 L year, and both my card are paid card (2500 Rs. for Regalia; and 1500 Rs for Neu Infinity) both card are sharing Limit but to waive off of fee require 3L transaction each. That was unfair according to me if Limit is shared waive off criteria should be shared too, I ask my RM to Either do sharing of Waive of limit or just get one of my card LTF. He did "TRY" and said its not possible.

My credit score was 878 in exprion and 812 in CIBIL, and through TechnoFino community I get to know how i can get leverage and ask them to do LTF.

So I applied and Got these cards:

• ICICI Amazon LTF : 3L Limit
• ICICI Sapphiro Amex + MC : 3L Limit
• Axis Neo Card LTF : 4.80L Limit (Card to Card)(After my NEO card arrived the MYZONE got LTF, Missed that)
• IDFC First Select LTF : 2L Limit

Now with this i mailed them to LTF my card. AND GUESS WHAT they DID!

well just for regalia the got me LTF, As tata neu was branded card they said they cant do much.

______

1. So should i got any more card? Suggest any LTF Cards?
2. Can i convert my tata neu infinity Rupay to LTF? if yes, than how?
3. If not Neu infinity rupay, what is best card to do UPI Transaction to get reward?(Tata neu give 1.5% upto 500 Rs.)

congratulations on LTF man!
for second question i have asked my RM, you can cancel and apply again 90% it will work. You can try it.

 

[Dad0h0j0]

congratulations on LTF man!
for second question i have asked my RM, you can cancel and apply again 90% it will work. You can try it.

i will try.