I am getting a Regalia Gold Upgrade FYF from my old moneyback credit card, which is not that useful for me, but it’s a lifetime free card and one of my first credit cards.
I want to know if I get Regalia Gold CC, then can I make it a lifetime free card? I don’t want to pay the annual fee every year, that’s why I haven’t upgraded yet.
If anyone can help me, that would be very helpful.
Yes, we can say that you can request lifetime free, but I can’t know if HDFC will accept your request
Or as you might already know, this fee can be waived by spending 4L in a year, so you can just go for that, but according to me, if you don’t need this card, you can just avoid upgrading it
If you’re getting a Regalia Gold upgrade with First Year Free, it’s a good deal, especially if your current Moneyback card isn’t useful anymore. Regalia Gold offers better rewards, lounge access, and milestone benefits.
HDFC usually doesn’t offer it as lifetime free, but you can try requesting it by calling customer care or visiting a branch. Most of the time, there’s a spend-based waiver—like ₹1 lakh or ₹3 lakh per year—to avoid the annual fee.
If you think you’ll meet the spend or can negotiate it as lifetime free, the upgrade is worth it. Otherwise, it’s fine to stick with your current card.