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Regalia to Infinia upgrade | Upgrade rejected even after meeting the spends and CL criteria

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navonline7

TF Premier
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.
 
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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.
 
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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?
Aniket Sharma said:
This is offline cibil hit, I too had when I upgraded to regalia
Click to expand...
 
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navonline7 said:
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?
Click to expand...
That was an upgrade, no application number was there to trace.
 
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Ash8 said:
All you can do is have patience now 😂
You stepped on two different boats simultaneously.
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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
 
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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..
 
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shashank08 said:
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..
Click to expand...
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
 
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navonline7 said:
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
Click to expand...
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..
 
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shashank08 said:
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..
Click to expand...
Agree with you about EPM
 
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