Regalia Gold Should I request a limit enhancement or an upgrade?

[Kaiser]

Hi team,

I have a Regalia Gold card, received last June/July. The card limit is only 2 lakhs, but I have spent more than 8 lakhs in the last 9 months. Would it make sense to ask for a limit enhancement to the customer care, or would it be better to ask for an upgrade?

1. Although my salary meets the criteria for Regalia Gold, it does not meet the criteria for DCB/ Infinia.
2. I have ICICI/AMEX/Axis with 7 lakhs limit each.
3. Never got a limit enhancement offer from HDFC.
4. Never got an upgrade offer.
5. The existing Regalia Gold card was received after applying online via the HDFC website. It was rejected initially, but a mail to customer care asking for the reason for rejection resulted in them giving this card.

 

[aniketkr.sharma]

Hi team,

I have a Regalia Gold card, received last June/July. The card limit is only 2 lakhs, but I have spent more than 8 lakhs in the last 9 months. Would it make sense to ask for a limit enhancement to the customer care, or would it be better to ask for an upgrade?

1. Although my salary meets the criteria for Regalia Gold, it does not meet the criteria for DCB/ Infinia.
2. I have ICICI/AMEX/Axis with 7 lakhs limit each.
3. Never got a limit enhancement offer from HDFC.
4. Never got an upgrade offer.
5. The existing Regalia Gold card was received after applying online via the HDFC website. It was rejected initially, but a mail to customer care asking for the reason for rejection resulted in them giving this card.

You can ask for limit increase, base limit of dcbm is 5 lakhs

 

[Nishan11]

Hi team,

I have a Regalia Gold card, received last June/July. The card limit is only 2 lakhs, but I have spent more than 8 lakhs in the last 9 months. Would it make sense to ask for a limit enhancement to the customer care, or would it be better to ask for an upgrade?

1. Although my salary meets the criteria for Regalia Gold, it does not meet the criteria for DCB/ Infinia.
2. I have ICICI/AMEX/Axis with 7 lakhs limit each.
3. Never got a limit enhancement offer from HDFC.
4. Never got an upgrade offer.
5. The existing Regalia Gold card was received after applying online via the HDFC website. It was rejected initially, but a mail to customer care asking for the reason for rejection resulted in them giving this card.

Try to increase limit and reach 5 L, then after few months you can request for DCB Metal.