Hi all,
Looking for advice on my HDFC situation.
Profile:
Imperia customer
Salary ~₹1.9L/month
Credit limit ~₹8L
Using HDFC cards since 2013
Cards:
Regalia Gold
Tata Neu Infinity
Spend:
~₹7L–₹8L yearly
Regularly hitting quarterly milestones
What happened:
RM not helful
Requested upgrade to DCB Metal through grievance → rejected
Submitted salary docs after escalation → still rejected
Reason: didn’t meet income + spend criteria (₹2.5L income requirement mentioned)
Next:
Asked for Regalia Gold LTF → denied
They said fee waived on ₹4L spend (which I already meet)
Current dilemma:
Continue with Regalia Gold (since effectively free)?
Close / downgrade to push HDFC?
Move to other cards (Axis Atlas / Amex etc.)?
Questions:
Is DCB worth chasing later or not?
Should I just keep Regalia Gold and move spends elsewhere?
Best alternative premium card for my profile?
Appreciate any suggestions.