There are two events that bring a lot of happiness to credit card enthusiasts - limit enhancement and card upgrades. While limit enhancements should always be accepted, credit card upgrades are a different question. Here is a guide for HDFC Bank credit card upgrades and tips on whether you should accept it or not.
How to check if I am eligible for an HDFC Bank credit card upgrade?
We can check for the upgrade option by going to the [Login to see the link] or we can also check by logging into Netbanking.
HDFC Bank NetBanking>>Cards>>Request>>Credit Card Upgrade
What is the order/ranking of HDFC Bank credit cards?
Leaving out the basic entry-level credit cards like Moneyback+ or Freedom, below is the way the different HDFC Bank credit cards rank in terms of rewards and benefits.
Millennia --> Regalia --> Diners Club Privilege --> Regalia Gold --> Diners Club Black --> Infinia
Now that we know this, you don't always need to upgrade if you have got the next variant available to you. You need to evaluate your spends and preferred redemptions before going for it.
What should I choose between Millennia and Regalia?
- Millennia if you want cashback. Regalia gets reward points that have a low value when redeemed for cashback. Millennia gets cashpoints which are redeemable at 1:1 for statement credit.
- Regalia if you want to use the reward points for travel or airmiles.
What should I choose between Diners Club Privilege and Regalia?
- Diners Club Privilege if you want access to a higher number of airport lounges
- Regalia if you want better acceptance at offline and online stores
- Do not upgrade from LTF Privilege to paid Regalia
- Do not upgrade from LTF Regalia to paid Privilege
What should I choose between Regalia and Regalia Gold?
- Upgrade from paid Regalia to paid Regalia Gold if you can meet the higher annual fee waiver criteria
- Do not upgrade from LTF Regalia to paid Regalia Gold
Can I request for a manual HDFC Bank credit card upgrade?
Yes, we can request the HDFC Bank credit card team to upgrade us to a higher variant basis meeting the eligibility criteria. We can do so by emailing the grievance redressal team at [Login to see the link].