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

[rakeshgupta]

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?

 

[Hemang]

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?

Millenia pe limit kya hai bhai apke ?

 

[Aniket Sharma]

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?

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.

 

[rakeshgupta]

Millenia pe limit kya hai bhai apke ?

4Lacs, got last limit enhancement from 3 to 4 nearly 8 months back.

 

[kiwi195]

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.

Does SBI do shared limits like HDFC?

 

[Aniket Sharma]

Does SBI do shared limits like HDFC?

No, sbi cards have seperate limits

 

[Hemang]

4Lacs, got last limit enhancement from 3 to 4 nearly 8 months back.

Pay slip bhejke 3 times in hand salary ka kara lo, atleast 1 parameter credit limit ka poora ho jayega.
Try and move all your spends on millenia. Consolidate them bhai.

 

[AkashnAkashn is verified member.]

4Lacs, got last limit enhancement from 3 to 4 nearly 8 months back.

Then you can easily convert it to regalia gold. Just mail to
L2: escalation.cc@hdfcbank.com

and then

L3: Grievance.Redressalcc@hdfcbank.com

 

[rakeshgupta]

Then you can easily convert it to regalia gold. Just mail to
L2: escalation.cc@hdfcbank.com

and then

L3: Grievance.Redressalcc@hdfcbank.com

Will it be LTF or paid one?
Interested in LTF if any other way to get it.

 

[AkashnAkashn is verified member.]

Will it be LTF or paid one?
Interested in LTF if any other way to get it.

likely to be FYF

 

[bhavyakjain]

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

 

[Aniket Sharma]

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

Go for millennia rupay

 

[bhavyakjain]

Go for millennia rupay

I want
But HDFC isn't giving me

 

[Aniket Sharma]

I want
But HDFC isn't giving me

Try grievance.redressalcc@hdfcbank.com they may give you

 

[bhavyakjain]

Try grievance.redressalcc@hdfcbank.com they may give you

Have mailed them today itself attaching pay slips

Let's see

 

[Prasanna]

Minimum salary required to get millennia rupay?

 

[HumorSimpson]

If you can clock 1L spends on millenia in 3-4 months ,, hdfc definitely gives a refresh.

 

[Bionick]

Which cards to close (want to clean up)?

1.Keep SBI Cashback and upgrade Flipkart Axis to other card (Cashback, Privilege LTF, Atlas etc).
2. Keep one Rupay card if you use them on UPI, else get rid of.

Which card to get if I have SBI CC?

Depends on your needs. If SBI Cashback is sufficient for your monthly spends, add a reward or miles based card if you find them useful, else let it be.

Can I merge my SBI SimplySave credit limit with Cashback, Both card registered with different mobile, rest all details same.

Yes you can. Just change your mobile number and place a request on call, it will be done. If you don't succeed first time, give it some time and try again.

SBI Cashback is best for me now. Millennia feels weak. Suggestions?

Go for Regalia Gold or Diners Black (after limit increase to 5L or try directly with your RM). Higher spends on your Millennia will make your case strong.