Regalia to Infinia upgrade | Got upgraded

[navonline7]

I have a Regalia LTF card that I want to upgrade to Infinia. The credit limit on the Regalia card is around 15 lakhs. Since I already fulfill the credit limit criterion, I plan to spend 10+ lakhs in 6 months.

My questions:

• Are school fees and jewellery spends considered for the 10+ lakhs criterion?
• Will I get base rewards for school fees and jewellery spends?

Update (20/07): Sent an upgrade request to Chennai. It was rejected citing internal criteria. Exploring options to escalate now.

Update (22/07): Got the card approved. Card in reflecting in the app.

 

[navonline7]

I guess they went ahead and processed an upgrade request as well and declined. There's a cibil hit. Since I have an offline application in process as well, I'm unable to figure out if it was the priority.redressal team or it was the offline application I got the cibil hit for.

 

[Aniket Sharma]

I guess they went ahead and processed an upgrade request as well and declined. There's a cibil hit. Since I have an offline application in process as well, I'm unable to figure out if it was the priority.redressal team or it was the offline application I got the cibil hit for.

This is offline cibil hit, I too had when I upgraded to regalia

 

[navonline7]

I got an SMS from HDFC as well that my application is processed, with an application ID. The status is "Declined". The message also says check the status after two days for some reason. The HDFC person who took the offline form from me called yesterday saying my application is still in progress.

What was the application status in your case?

This is offline cibil hit, I too had when I upgraded to regalia

 

[Aniket Sharma]

I got an SMS from HDFC as well that my application is processed, with an application ID. The status is "Declined". The message also says check the status after two days for some reason. The HDFC person who took the offline form from me called yesterday saying my application is still in progress.

What was the application status in your case?

That was an upgrade, no application number was there to trace.

 

[navonline7]

That was an upgrade, no application number was there to trace.

Mine is an upgrade as well from regalia to infinia, which is exactly why I'm wondering why I got an application number. And another reason to believe that the priority.redressal team went ahead and processed my query as an upgrade request without my consent

 

[Ash8]

All you can do is have patience now 😂
You stepped on two different boats simultaneously.

 

[navonline7]

All you can do is have patience now 😂
You stepped on two different boats simultaneously.

I don't think I did. Can't blame myself if HDFC considers a query as an upgrade request

Agree on the patience part. Getting restless with all the new requirements coming in every few days. The latest one being HDFC not accepting upgrade application because of some glitch

 

[navonline7]

Got an email today stating the upgrade request was rejected. Reason: same internal criteria blah blah.

What can be my next step? Write to PNO for a reconsideration?

@Ash8 @Aniket Sharma

 

[6ix9ine]

Got an email today stating the upgrade request was rejected. Reason: same internal criteria blah blah.

What can be my next step? Write to PNO for a reconsideration?

@Ash8 @Aniket Sharma

Upgrades are on hold currently, you will be wasting your time only. Wait, till that gets resolved, then try your luck with PNO.

At this moment, even PNO would copy-paste.

 

[navonline7]

Upgrades are on hold currently, you will be wasting your time only. Wait, till that gets resolved, then try your luck with PNO.

At this moment, even PNO would copy-paste.

Just yesterday somone got an upgrade to Infinia and he posted on Twitter.

 

[6ix9ine]

Just yesterday somone got an upgrade to Infinia and he posted on Twitter.

Say congratulations to him from my side and perhaps, take the help of that fella?

I wrote generalized statement. Exceptions are always there.

 

[shashank08]

HDFC is not buzzing for upgrade now a days.. even MD desk...

I tried upgrading regalia to DCB.. I was going via salary route.. negligible expenditure on Regalia but almost 7-8L in last 1 year on Tata Neu infinity..
I gave them around 3L+ salary, more than 64L ITR, etc. and showed them business loss as I started shifting my expenditure from Tata Neu infinity to ICICI EPM..

But they didn't buzz for the upgrade even on paid basis..

 

[navonline7]

HDFC is not buzzing for upgrade now a days.. even MD desk...

I tried upgrading regalia to DCB.. I was going via salary route.. negligible expenditure on Regalia but almost 7-8L in last 1 year on Tata Neu infinity..
I gave them around 3L+ salary, more than 64L ITR, etc. and showed them business loss as I started shifting my expenditure from Tata Neu infinity to ICICI EPM..

But they didn't buzz for the upgrade even on paid basis..

from what i have read on this forum, they generally don't upgrade cobranded cards.

I have a core card, more than 10L credit limit and spends of more than 9L in the last six months. It still got rejected

 

[shashank08]

from what i have read on this forum, they generally don't upgrade cobranded cards.

I have a core card, more than 10L credit limit and spends of more than 9L in the last six months. It still got rejected

I was building case that I have done expenditure on Tata Neu infinity as it provides far better reward rate then regalia..

Also told them right now because of reward structure of EPM i have started moving even my Tata Neu expenses to EPM..

So if regalia can be upgraded to Infinia or DCB then I can keep the business with HDFC..

But HDFC was okk to lose the business instead of upgrading the card.. 🙄🙄

EPM is right now giving good value back.. So I am okk without having Infinia and DCB for now.. till EPM devaluation doesnt happen..

 

[navonline7]

I was building case that I have done expenditure on Tata Neu infinity as it provides far better reward rate then regalia..

Also told them right now because of reward structure of EPM i have started moving even my Tata Neu expenses to EPM..

So if regalia can be upgraded to Infinia or DCB then I can keep the business with HDFC..

But HDFC was okk to lose the business instead of upgrading the card.. 🙄🙄

EPM is right now giving good value back.. So I am okk without having Infinia and DCB for now.. till EPM devaluation doesnt happen..

Agree with you about EPM

 

[navonline7]

Card in reflecting in the app. Should have it in a couple of days.

 

[Amit_1]

Card in reflecting in the app. Should have it in a couple of days.

congrats on upgrade

what was your last escalation or does it done automatically ?

 

[navonline7]

congrats on upgrade

what was your last escalation or does it done automatically ?

After getting rejected, the HDFC CC guy wrote to some team (in Chennai I guess), and followed up over calls. Found out today that they rejected my application assuming I didn't have 9L spends, which of course was not true. They just didn't consider my unbilled spends. He had to show them explicitly that there were unbilled spends. Took them a couple of hours I guess to consider those spends and approve my declined application.

I would have been in then dark trying to figure out what went wrong, if not for this HDFC CC guy. He is a gem.

Just an advice for anyone trying to get an upgrade. If you meet the upgrade criteria, and you have tried everything to no avail, go via the offline route through someone who is from the CC team at HDFC. They can definitely pull some strings to make it happen, as this guy did in my case.

 

[INN]

Just an advice for anyone trying to get an upgrade. If you meet the upgrade criteria, and you have tried everything to no avail, go via the offline route through someone who is from the CC team at HDFC. They can definitely pull some strings to make it happen, as this guy did in my case.

I agree with the help can be provided by offline CC team, to sort out the issues.

 

[PrinceHeart]

After getting rejected, the HDFC CC guy wrote to some team (in Chennai I guess), and followed up over calls. Found out today that they rejected my application assuming I didn't have 9L spends, which of course was not true. They just didn't consider my unbilled spends. He had to show them explicitly that there were unbilled spends. Took them a couple of hours I guess to consider those spends and approve my declined application.

I would have been in then dark trying to figure out what went wrong, if not for this HDFC CC guy. He is a gem.

Just an advice for anyone trying to get an upgrade. If you meet the upgrade criteria, and you have tried everything to no avail, go via the offline route through someone who is from the CC team at HDFC. They can definitely pull some strings to make it happen, as this guy did in my case.

Congrats on your success.

Need an info if you or anyone have an idea.

I got millennia since 2+ yrs upgraded from regalia first in MC network. Limit is 1.68L only Got LE at the same time from 1L.

I suppose the next card would be RG ? What is the spend rule to get RG kindly.