Want to upgrade to HDFC Regalia Gold from Millennia

[Wealth is my birth right!]

They have a very different (weird) criteria for LE. Last 2 years I have been spending almost 13-15L yearly. But have to ask them for LE. But hdfc nevers sends me a LE, except once I remember I did get a LE msg but that was just once. My next LE cooling period ends in September.

Hope October will be a good month for you
Usuallly LE triggers in hdfc happen around 23rd

 

[TripleAce]

Based on spend criteria, yes. But again 6 month cooling period is required since last LE.

Are you sure bro?
The RM told me LE for Infinia can’t be done on spend basis criteria.
I have not received LE but I got a floater card in the last 6 months (July) with shared limit.

 

[swanand04]

My Millennia card is 9.6 years old and ICICI is 9 years old so will the cibil impact will be high?

And as i saw in the comments if the RG Limit is 296000 hardly 4k less than the expected limit.

And i just check my last limit enhancement happen in April 2025 so will i not receive any limit enhancement till next april?

 

[Kabir_1112]

Hope October will be a good month for you
Usuallly LE triggers in hdfc happen around 23rd

Keeping my fingers crossed 🤞

 

[Kabir_1112]

My Millennia card is 9.6 years old and ICICI is 9 years old so will the cibil impact will be high?

And as i saw in the comments if the RG Limit is 296000 hardly 4k less than the expected limit.

And i just check my last limit enhancement happen in April 2025 so will i not receive any limit enhancement till next april?

No further limit increase within 6 months. You can again try for a manual limit increase by end of October by submitting your ITR/SALARY SLIP self attested along with the form to the nearest Hdfc bank branch.

 

[Kabir_1112]

Are you sure bro?
The RM told me LE for Infinia can’t be done on spend basis criteria.
I have not received LE but I got a floater card in the last 6 months (July) with shared limit.

I checked with a hdfc bank credit card guy and he did inform me to send the form and self attested income documents to nearest Hdfc branch and when it goes to Chennai it is done most of the times.

 

[TripleAce]

I checked with a hdfc bank credit card guy and he did inform me to send the form and self attested income documents to nearest Hdfc branch and when it goes to Chennai it is done most of the times.

If I send my income documents then they will confiscate my cards. 😬😝😂