Need Advice: HDFC Credit Card Limit Consolidation & Upgrade

[GauravKela]

Hi everyone,
I currently hold 3 HDFC credit cards – Swiggy, Freedom, and UPI RuPay – all sharing a combined limit of ₹18,000. Despite multiple requests, I haven’t been able to get either a limit enhancement or a product upgrade.
I’m considering closing 2 of them and consolidating the full limit into just 1 stronger card.
My questions:

• Has anyone successfully done limit consolidation with HDFC?
• Which card would be best to retain (Swiggy, Freedom, or UPI)?
• Is it possible to request a product upgrade (like Millennia/Regalia) at the same time?
• Any tips on what I should do to become eligible for a higher limit or card upgrade in the future?

Would appreciate guidance from anyone who has gone through this.
Thanks!

 

[hitirfan]

It's a shared limit of 18K. It cannot be combined. You can request for upgrade to Millennia with 1 Lakh Credit Limit.

Close UPI Card. Keep Freedom Card for Upgrades to MB+ then Millennia.

Swiggy is a good card.

 

[GauravKela]

It's a shared limit of 18K. It cannot be combined. You can request for upgrade to Millennia with 1 Lakh Credit Limit.

Close UPI Card. Keep Freedom Card for Upgrades to MB+ then Millennia.

Swiggy is a good card.

I had Freedom card for like 12 months no limit enhancement was given nor any card upgrade so i took swiggy card and rupay card.
Always paid card bills on time still no response from hdfc. So should i still close the swiggy and rupay card? or should i close all 3 cards and reapply?

 

[hitirfan]

I had Freedom card for like 12 months no limit enhancement was given nor any card upgrade so i took swiggy card and rupay card.
Always paid card bills on time still no response from hdfc. So should i still close the swiggy and rupay card? or should i close all 3 cards and reapply?

If you have better limit on any other Banks Credit Card then you can close all cards and apply after few months. You will get better limit, equal to other cards limit or near that.

 

[spal_98]

If you have better limit on any other Banks Credit Card then you can close all cards and apply after few months. You will get better limit, equal to other cards limit or near that.

Is it applicable for AU CC also??

 

[hitirfan]

Is it applicable for AU CC also??

I have no idea about AU. Some banks don't let to apply again for a long time after closing account.