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Which Cards to Close & How to Upgrade HDFC Millennia(No preapproved offer from 2 years)

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rakeshgupta

rakeshgupta

TF Buzz
Hi Experts,
Current Cards:
LTF – HDFC Millennia, ICICI Coral RuPay, IDFC First , Flipkart Axis Neo RuPay
Paid – SBI Cashback, Simply Save, SBI BPCL, Flipkart Axis
Profile: Salary A/C with HDFC (7+ yrs) with net ₹1.75L monthly credit
Need suggestion for:
  1. Which cards to close (want to clean up)?
  2. How to upgrade HDFC Millennia to Regalia/Diners, No preapproved offer from 2 years?
  3. Which card to get if I have SBI CC?
  4. Can I merge my SBI SimplySave credit limit with Cashback, Both card registered with different mobile, rest all details same.
SBI Cashback is best for me now. Millennia feels weak. Suggestions?
 
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rakeshgupta said:
Hi Experts,
Current Cards:
LTF – HDFC Millennia, ICICI Coral RuPay, IDFC First , Flipkart Axis Neo RuPay
Paid – SBI Cashback, Simply Save, SBI BPCL, Flipkart Axis
Profile: Salary A/C with HDFC (7+ yrs) with net ₹1.75L monthly credit
Need suggestion for:
  1. Which cards to close (want to clean up)?
  2. How to upgrade HDFC Millennia to Regalia/Diners, No preapproved offer from 2 years?
  3. Which card to get if I have SBI CC?
  4. Can I merge my SBI SimplySave credit limit with Cashback, Both card registered with different mobile, rest all details same.
SBI Cashback is best for me now. Millennia feels weak. Suggestions?
Click to expand...
Millenia pe limit kya hai bhai apke ?
 
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rakeshgupta said:
Hi Experts,
Current Cards:
LTF – HDFC Millennia, ICICI Coral RuPay, IDFC First , Flipkart Axis Neo RuPay
Paid – SBI Cashback, Simply Save, SBI BPCL, Flipkart Axis
Profile: Salary A/C with HDFC (7+ yrs) with net ₹1.75L monthly credit
Need suggestion for:
  1. Which cards to close (want to clean up)?
  2. How to upgrade HDFC Millennia to Regalia/Diners, No preapproved offer from 2 years?
  3. Which card to get if I have SBI CC?
  4. Can I merge my SBI SimplySave credit limit with Cashback, Both card registered with different mobile, rest all details same.
SBI Cashback is best for me now. Millennia feels weak. Suggestions?
Click to expand...
1. Close flipkart axis, simply save, neo rupay
2. You can get upgrade to RG on salary basis, but if you want diners black then try meeting spend criteria of 5 lakhs, maybe increased now.
3. Yes, first change mobile number to have same mobile number then request for closure and then when retention team calls you ask for merging limit.
 
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Aniket Sharma said:
1. Close flipkart axis, simply save, neo rupay
2. You can get upgrade to RG on salary basis, but if you want diners black then try meeting spend criteria of 5 lakhs, maybe increased now.
3. Yes, first change mobile number to have same mobile number then request for closure and then when retention team calls you ask for merging limit.
Click to expand...
Does SBI do shared limits like HDFC?
 
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I have e hdfc freedom with 5 lakh limit
Salary account in hdfc with 2.22 lakh net

No pre-approved offers since last 2 years

Only use this for day to day upi transaction as I have better cards for other spends

How to get upgraded card ?
I feel even Millenia ltf would be weak as I already have paid sbi cb, but atleast better than nothing

Open to suggestions on strategy to upgrade card or any other alternative
 
Upvote 0 Downvote
bhavyakjain said:
I have e hdfc freedom with 5 lakh limit
Salary account in hdfc with 2.22 lakh net

No pre-approved offers since last 2 years

Only use this for day to day upi transaction as I have better cards for other spends

How to get upgraded card ?
I feel even Millenia ltf would be weak as I already have paid sbi cb, but atleast better than nothing

Open to suggestions on strategy to upgrade card or any other alternative
Click to expand...
Go for millennia rupay
 
Upvote 0 Downvote
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