For HDFC Credit card FD or MAB which is beneficial?

[BeHappy]

Hello Friends I have banking relation with HDFC Bank since one year.
I'm looking for HDFC Millennia Credit Card As LTF. Previously had Money Back plus but closed in April (after 6 months use) just because of low credit limit (50K). CIBIl 785

Currently I have FD of 150000+30000 in HDFC . 150000 FD for Max account benifits.
My question is-
Should I break My 30000 FD and keep it in my main Account balance for higher MAB (currently my MAB is approx 20K ) or keep this FD Continue.
What is more beneficial for me please suggest.
Thanks in advance.

 

[TaxWiser]

Hello Friends I have banking relation with HDFC Bank since one year.
I'm looking for HDFC Millennia Credit Card As LTF. Previously had Money Back plus but closed in April (after 6 months use) just because of low credit limit (50K). CIBIl 785

Currently I have FD of 150000+30000 in HDFC . 150000 FD for Max account benifits.
My question is-
Should I break My 30000 FD and keep it in my main Account balance for higher MAB (currently my MAB is approx 20K ) or keep this FD Continue.
What is more beneficial for me please suggest.
Thanks in advance.

Usually HDFC don't offer good or any CC after closing HDFC CC for atleast 6-18months. Even after maintaining High MAB, getting Millennia CC LTF is very rare, instead break the FD and force RM to provide Secured Millennia CC LTF on basis of new FD.

 

[BeHappy]

Usually HDFC don't offer good or any CC after closing HDFC CC for atleast 6-18months. Even after maintaining High MAB, getting Millennia CC LTF is very rare, instead break the FD and force RM to provide Secured Millennia CC LTF on basis of new FD.

If it is actually 18 months then I'm going to close my account also in couple of months because I opened account only for credit card.