What was your first card, in how much time did you get an upgrade to which card & was it manual or automatic?
Moneyback : I got my first card in mid 2021. It was a pre-approved offer in my HDFC bank account & I got it without much documentation with a 30K limit.
Moneyback+ : This was an automatic upgrade I got exactly a year later in 2022. The limit wasn't increased.
Finance
Credit Card
Similar story got my first HDFC CC Titanium in 2011 with a limit of ~35K . Later in about 3 years it got changed to Moneyback and lot many CL increments in between. About 2015 it became my secondary card. Now I hardly use this. Money back -> some bharat cards --> now MoneyBack+. Waiting to upgrade to Millenia.
2017- moneyback (applied from branch) LTF
2019- regalia first (auto upgrade) LTF
2021- regalia (auto upgrade) LTF
2023 - Diners club black (auto upgrade) Paid
2017- moneyback ltf with salary account
2019- closed to get DCB, rejected paid card
2020- got infinia paid, primary card since then
@cashif glad I am not the only one who had the same opinion.
HDFC reward points are worth 0.3rs for so called premium cards for cash credit. Even with those 5x etc make them to 1% reward rate for statement credit. Only worth if you redeem from smart buy. Even if it gives 5x it can't reach SBI CB card which gives 5% cashback. I will wait for millenia or will close it to make room for another card.
You can always have another card. Hdfc is handy during sales. 🙂
I started LTF in 2006 along with Salary account. It used to called HDFC Gold CC , had 60k limit.
Then Platinum PLUS > Allmiles > Regalia First > Rregalia
I wasn't happy when HDFC Bank was giving away Infinia to everyone and they didn't offer me back in 2019-20. I have over 10L limit then.
Currently have Infinia metal as paid upgrade but my usage has reduced to Tata Neu Infinity (LTF) and Axis Ace nowadays.
Is there anyone who got pre approved offer after closing card?
2021 - Millennia LTF - 1.5L
2022 - LE to 2L
2023 - Got Tata Neu Infinity LTF. Tried upgrade to DCB LTF under alumni program. They only increased CL to 4L but didn't upgrade saying not eligible. Maybe because used neu extensively but haven't used millennia much in last 6 months.
How did you applied for Alumini offer (my college is eligible)?
I already have a regalia LTF and now getting a option to get diners club Privelage LTF as 2nd card? Is it worth it?
1st HDFC CC in September 2012 - Visa Gold Credit Card
in July 2023, I got an upgrade offer to HDFC Bank Millennia Credit Card, but it was not LTF, so I avoided the upgrade.
What is best HDFC card?
I had salary acc with hdfc from 2014, but never applied any credit card.
2018 - regalia LTF ( took for 2k amazon voucher) 4.9L limit
2023 - got DCB paid offer 8.95L limit Took it, since my main card.
Hopeful to get infinia in few years.
if you spend more on cards.. You wil get higher cards. Also you relationship with bank decides, Like sal acc loan acc demat acc and monthly spends.
Did not change from Regalia for long term. It was Regalia first earlier. Its a paid card. Do you suggest good upgrades?
The main reason for not upgrading is that i may not meet spend limits of other cards. But usually 5 to 8L spends in an year is reached
I have HDFC money back CC since 2019. I want to upgrade this cc with better offer now. Please suggest me.
Started with LTF HDFC CC (salary account) in 2006 . In a few years, it was upgraded to Regalia and was my primary until 2018 or so . Once ACE came into the wallet, Regalia was completely ignored, except for international payments.
Got Tata Neu Infinity in 2022 when it was launched. This one and Ace are my primary cards. A pay for all Amazon purchases.
January 2018 - Got Freedom CC with a mere 25k credit limit while opening salary account with HDFC Bank.
Don't remember exact timelines but then I was offered Regalia First CC which I had to make LTF by performing Smartpay transactions for 3 months.
Then got Regalia LTF as an upgrade having current credit limit of 5.5L
Recently was offered paid upgrade to Diners Club Privilege which I didn't take. The least I'm looking at is Diners Club Black LTF upgrade or I won't take any upgrade at all.
Moneyback in 2008 to infinia in 2016, 8 years
Got many upgrade offer but i ignored, lastly my RM told me why u are not upgrading your card, i asked DCB, and in few days got infinia offer on my login.
ITR required ?
I Have LTF infinia credit card.
Got it after few upgrades in last 15 years
Started millennia card ltf with 25k now at 5.5l 😍
In just 1.5 years with two limit upgradation
Infinia is the best thing that has happened to me.. Got in 2019 and received 25L limit and have received over 30L points and they are converted to amz gift card during the 70% points promo sale period ---> converted to Gold coins in 2021 and 2022. What happed with the gold prices is something that we all know 
Paid those card payments through Cred during initial days and won trip to london, several bose speakers etc, got a ipad from HDFC during 2021 sale event.
So.. Infinia is the best !! Its truly a NO BS card!
I have got a HDFC Corporate Premium CC from a company. Am a bit skeptical about using it even though the company says you can. Should I go with my own cc? And will I get any perks from hdfc if I apply for personal cc based on this card?
Got regalia first LTF while opening a salary account
Got limit increment twice.
No further LTF upgrade 
Just wondering why this thread is created ?
Got HDFC DCP in December -> They devalued it in July.
Got HDFC Tata Neu Infinity in June -> Awaiting devaluation 😂
Both LTF.
How do I get an upgrade? Do you need to mail someone? Does having a salary account help?
2018 - HDFC Regalia First LTF
2021 - HDFC Regalia LTF
2023 Aug - Being offered HDFC Regalia GOLD Paid. Should I take it? Limit is 4.5L.
Also, I am waiting for 5L annual spend so that I can get anniversary spend points. Because if I take the upgrade I will not get anniversary spend benefit.
I also received 3 times paid upgrade like millennia, Indigo card. I never accept paid upgrade as I have LTF regalia first. If you are not spending frequently and analysis yourself which one better paid or LTF. I like LTF free card, no tension on annual charges.
2019 > hdfc freedom
2020> hdfc money back
2022> hdfc regalia first
2023> hdfc regalia
dunno which cc was using in 2007,
then regalia and upgraded to diners black ltf in 2021...
and tata neu plus for cc UPI
Aug-Sep 2022 got Moneyback+ with 1.5L limit.
March-April 2023 got 20K limit increase.
May 2023 got Neu Infinity with shared limit.
Both were offered with no conditions LTF.
![Boroplus Antiseptic + Moisturising Soap - Neem, Tulsi & Aloe Vera 6x125g [location specific]](https://cdn0.desidime.com/topics/photos/1902775/medium/Screenshot2025-01-06at6.00.17PM.png?1736166637)
You've been low-balled by HDFC. By now you should've been in the DCB/Infinia league.
I don't care. All my online is on sbi cb, offline on ace, and UPI on neu infinity.
You've been low-balled by HDFC. By now you should've been in the DCB/Infinia league.
Infinia is the best thing that has happened to me.. Got in 2019 and received 25L limit and have received over 30L points and they are converted to amz gift card during the 70% points promo sale period ---> converted to Gold coins in 2021 and 2022. What happed with the gold prices is something that we all know
Paid those card payments through Cred during initial days and won trip to london, several bose speakers etc, got a ipad from HDFC during 2021 sale event.
So.. Infinia is the best !! Its truly a NO BS card!