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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.
 
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