Update on C.L of HDFC Regalia Gold upgrade

[Heisenberg37]

Hi Guys
I recently i recently asked the grievance cell to upgrade my 2 months old MB+ to Regalia Gold as i thought i qualify the floor limit for that card which is 3,00,000.
I mailed the grievance they denied saying internal parameters and stuff

Then i asked the reason they said credit card limit should be 5,00,000 and above and i did not met the spend criteria for the last 6 months which is 4L

Then i mailed the PNO regarding this issue and i addressed that my friends have this card at 3L and 3.38L limit and got an email from priority redressal that the issue is only that my card is recently issued.

Also i raised the issue with my imperia RM and he got the response from the backend team that as soon as my 6 months gets completed and if i have spent 4,00,000 they will upgrade my card ( got the same response from PNO and priority redressal ).

So, in January i will be upgrading my cursed Moneyback Plus card to Regalia Gold.

 

[Shubham Yadav]

A Future thread with past data involving present desire

 

[H2O]

Even I tried requesting them to upgrade my existing Regalia LTF to Regalia Gold LTF with a limit of 6.8L.
I have reached out to Grievance/PNO/Imperia and fought for my case, but they have denied my request. In their most recent email to me, they stated that they would not respond to any further emails on this matter. I even went as far as threatening to close my Imperia account and FDs, but they simply expressed regret and maintained their stance on not granting Regalia Gold as LTF.

 

[shutapdiya]

Even I tried requesting them to upgrade my existing Regalia LTF to Regalia Gold LTF with a limit of 6.8L.
I have reached out to Grievance/PNO/Imperia and fought for my case, but they have denied my request. In their most recent email to me, they stated that they would not respond to any further emails on this matter. I even went as far as threatening to close my Imperia account and FDs, but they simply expressed regret and maintained their stance on not granting Regalia Gold as LTF.

They are very stringent to issue Regalia Gold LTF

 

[H2O]

They are very stringent to issue Regalia Gold LTF

I have seen many people holding it as LTF.
I have strictly asked my RM, to give me LTF Regalia Gold, otherwise I will seriously close my account. She said, will check internally for approval.

 

[shutapdiya]

I have seen many people holding it as LTF.
I have strictly asked my RM, to give me LTF Regalia Gold, otherwise I will seriously close my account. She said, will check internally for approval.

I am also chasing my RM, even gave him some assurance to invest in ULIP but he is not able to get the approval

Tried upto priority redressal but not getting it, so stopped chasing it

 

[rakesh43]

I got an option to upgrade from Regalia to Regalia Gold. I upgraded it on the HDFC portal and later when checked with the RM, she confirmed that Regalia Gold is also LTF as the Regalia was LTF for me.

 

[shutapdiya]

I got an option to upgrade from Regalia to Regalia Gold. I upgraded it on the HDFC portal and later when checked with the RM, she confirmed that Regalia Gold is also LTF as the Regalia was LTF for me.

Was annual fee shown zero on hdfc Portal when you Upgraded?

 

[Hoozy]

Hi Guys
I recently i recently asked the grievance cell to upgrade my 2 months old MB+ to Regalia Gold as i thought i qualify the floor limit for that card which is 3,00,000.
I mailed the grievance they denied saying internal parameters and stuff

Then i asked the reason they said credit card limit should be 5,00,000 and above and i did not met the spend criteria for the last 6 months which is 4L

Then i mailed the PNO regarding this issue and i addressed that my friends have this card at 3L and 3.38L limit and got an email from priority redressal that the issue is only that my card is recently issued.

Also i raised the issue with my imperia RM and he got the response from the backend team that as soon as my 6 months gets completed and if i have spent 4,00,000 they will upgrade my card ( got the same response from PNO and priority redressal ).

So, in January i will be upgrading my cursed Moneyback Plus card to Regalia Gold.

What is the email address of hdfc PNO?

 

[rakesh43]

Was annual fee shown zero on hdfc Portal when you Upgraded?

No, it showed some amount.

 

[redcarpet]

No, it showed some amount.

Then its possible that ur rm lied or didnt actually see ur pricing. They might have assumed it would be but 99% cases upgrades wont be ltf especially since youre saying it showed amount while upgrading.
Better to mail and find out

 

[card-shard]

I have seen many people holding it as LTF.
I have strictly asked my RM, to give me LTF Regalia Gold, otherwise I will seriously close my account. She said, will check internally for approval.

I doubt it, recently few people shared screenshots of deceptive HDFC marketing, where they mention LTF on first page, & on second page of upgrade application, it's written (free on spending certain amount).
Possibly some ppl are getting over excited over seeing banner on first page, and not checking T&Cs.
Chances are pretty less of Regalia LTF to Regalia Gold LTF (not impossible though in banking).

In your friend circle, do people have email confirmation from HDFC employees that the Gold card is LTF??
If there is no written confirmation on email, verbal assurances mean nothing. All is deceptive sales tricks.

@rakesh43 if you've written confirmation, then chill, you can use it later, if at all fee is charged.
In few cases, gold is being given FYF. so any fee, if applied will be only at the end of 2nd yr.