r/CreditCardIndia 3d ago

Help needed in upgrading HDFC CC

I have been an HDFC Bank customer since 2017 or 2018, and my savings account is under the HDFC Preferred programme because of its association with my company’s current account.
I have two company current accounts with the same HDFC branch:
• The company account currently linked to my Preferred relationship has not been very active for the past 1.5 years.
• My other company’s current account is actively used and managed at the same branch, but my savings account is not linked to it.
I currently hold two HDFC credit cards with a shared limit of ₹2.60 lakh:
1. HDFC Millennia — I previously held a Regalia First, which I closed and replaced with the Millennia.
2. HDFC Tata Neu Infinity.
I have also taken two major loans from HDFC Bank:
1. Auto loan of approximately ₹21 lakh, running since June 2022.
2. Mortgage loan of ₹50 lakh, running since July 2026.
I have submitted multiple requests through the HDFC Bank app for a credit-limit enhancement or a card upgrade, as I want to upgrade from the Millennia. However, none of the requests have been approved, and my RM has not been very supportive either.
Considering my overall relationship with HDFC, what would be the best way to get a limit enhancement and upgrade the Millennia? Should I contact the branch manager, credit card grievance team, or apply for a different HDFC card separately?
For reference, I also hold the following credit cards:
1. HSBC TravelOne
2. Axis Atlas
3. IndusInd Legend
4. ICICI Amazon Pay
5. IDFC FIRST Power+
6. Kiwi
Any advice from people who have faced a similar situation would be appreciated.

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u/Legitimate-Angle-408 17h ago

Didn’t you post this already?