I have been using the HDFC Millennia credit card for the last two years, and now i am thinking of upgrading to the HDFC Diners Club Black (DCB) metal card I would love to get some advice on how to approach it.
He is my background
Current Card: HDFC Millennia with 4.59L credit limit
Desired Card: HDFC DCB Metal
Cibil Score: 792
I have a salary account with HDFC
I have an ITR of more than 65L, but in-hand salary is low at around 1.5L due to bonus and stock components.
Annual spends: I have recently started to use Millennia as my main credit card, and my expected expenditure will be around 5L in the next 6 months.
I have previously been offered Regalia Gold LTF by my RM, which I rejected as most of my spending was on Online Shopping, for which I thought Millennia was better. Although I still get the option to upgrade to Regalia Gold FYF on Netbanking/MyCards.
These are my main questions
- Do I need to upgrade to Regalia Gold to upgrade to DCB Metal?
- What is the specific eligibility criteria for DCB Metal?
- Any tips on how to improve my chances of getting the upgrade approved?