Cab we get regalia gold credit card or hdfc black credit card for LTF

[hemanthbn]

Hello frds,

I newly opened salaried account with hdfc and also I am having hdfc millenia CC which I am using from 6 to 8 years, so since I have salaried account with them and also also existing Millenia CC, can I get regalia gold or hdfc black for LTF or atleast can I ask for an upgrade over my millenia CC
My sal net 1.8L we can keep

 

[harsh_ujjwal]

Hello frds,

I newly opened salaried account with hdfc and also I am having hdfc millenia CC which I am using from 6 to 8 years, so since I have salaried account with them and also also existing Millenia CC, can I get regalia gold or hdfc black for LTF or atleast can I ask for an upgrade over my millenia CC
My sal net 1.8L we can keep

As far I know many people have Regalia Gold LTF. U can give it a try through you RM. Else request Cx if not LTF they can give FYF. Later on you can convert it to LTF on your usage pattern. Anything is possible in banking. But you have to ask for it

 

[AshwiniS]

Hello frds,

I newly opened salaried account with hdfc and also I am having hdfc millenia CC which I am using from 6 to 8 years, so since I have salaried account with them and also also existing Millenia CC, can I get regalia gold or hdfc black for LTF or atleast can I ask for an upgrade over my millenia CC
My sal net 1.8L we can keep

I am in the same situation. But even with a Preferred Banking program, the RM/Cx is not offering Regalia gold as LTF, only FYF. My Millenia is a LTF card. I am in a dilemma whether to take Regalia Gold or not. I already have Amex Plat Travel.

 

[hemanthbn]

I am in the same situation. But even with a Preferred Banking program, the RM/Cx is not offering Regalia gold as LTF, only FYF. My Millenia is a LTF card. I am in a dilemma whether to take Regalia Gold or not. I already have Amex Plat Travel.

If the criteria is met, why they deny giving it for LTF, I d9nt understand that

 

[AshwiniS]

If the criteria is met, why they deny giving it for LTF, I d9nt understand that

Apparantly HDFC is not offering any LTF cards at the moment. Only ones are Swiggy, Neu and Millenia. All the other cards are paid cards. My RM says that even bank employees are not getting new cards as LTF.
Out of curiosity, whats your credit limit on Millenia? Mine is 4.45 L on Millenia

 

[hemanthbn]

Apparantly HDFC is not offering any LTF cards at the moment. Only ones are Swiggy, Neu and Millenia. All the other cards are paid cards. My RM says that even bank employees are not getting new cards as LTF.
Out of curiosity, whats your credit limit on Millenia? Mine is 4.45 L on Millenia

2 lakhs only

 

[zack54]

Hello there,
I would suggest Milenia is a good card and if you are already holding it and its LTF, why to upgrade for regalia gold. You can compare the benefits of both and as per your usage if you found useful then think about to upgrade in regalia gold.

 

[AshwiniS]

Hello there,
I would suggest Milenia is a good card and if you are already holding it and its LTF, why to upgrade for regalia gold. You can compare the benefits of both and as per your usage if you found useful then think about to upgrade in regalia gold.

Looking from Value perspective, Millenia is better for me than Regalia gold. However, I aim to get Infinia card sometime in future and that is not possible without first reaching Regalia (As per my understanding). Hence, the dilemma.

 

[zack54]

Looking from Value perspective, Millenia is better for me than Regalia gold. However, I aim to get Infinia card sometime in future and that is not possible without first reaching Regalia (As per my understanding). Hence, the dilemma.

As per value perspective, millenia card is good. I am using regalia since long time, which I don't think much beneficial as compare to Millenia. If you are thinking about Infinia card, I would suggest Biz cards. Biz cards has many beneficial offers. you can compare once.

 

[AshwiniS]

As per value perspective, millenia card is good. I am using regalia since long time, which I don't think much beneficial as compare to Millenia. If you are thinking about Infinia card, I would suggest Biz cards. Biz cards has many beneficial offers. you can compare once.

I am a salaried person. Cant get a Biz card.
My 1st option is Millenia->Regalia Gold->Diner's Black->Infinia. I am unaware if we can jump this sequence.
The 2nd option that I know is to spend 8-10 lakhs in 6 months and get Infinia offer. This is also not feasible for me.
The 3rd option that I know is to get your CL (on any card) to 12Lakhs and pray for an offer for Infinia.
Any more information about the same is appreciated.

 

[hemanthbn]

Hello there,
I would suggest Milenia is a good card and if you are already holding it and its LTF, why to upgrade for regalia gold. You can compare the benefits of both and as per your usage if you found useful then think about to upgrade in regalia gold.

I don't have Millenia as LTF, so can I ask now that to make LTF

 

[AshwiniS]

I don't have Millenia as LTF, so can I ask now that to make LTF

Currently you should get it if you have net 1L Salary. or a FD of 1 L for a minimum of 1 year. not aware of any other way

 

[hemanthbn]

Currently you should get it if you have net 1L Salary. or a FD of 1 L for a minimum of 1 year. not aware of any other way

Thanks I will ask the same to bank then

 

[hemanthbn]

Bank denied even to convert Millenia to a LTF card, they said nowadays everything is being monitored on basis of spending itseems, I asked them then what's the benefit of having a salaried account with this bank then, they don't have any answer to that, finally they r asking me to show 3l annual spends and get an upgrade to regalia gold from Millenia that too for FYF

Banks are really crazy

 

[AshwiniS]

HDFC is going downhill these days.. and the service is pathetic for HNI banking, probably imperia guys are happier