Currently, I am using the Regalia First credit card, which is lifetime free, and I am getting an offer to upgrade to Regalia Gold, which is also lifetime free. Should I upgrade?
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If you got Regalia Gold for life time free, then you should get it, but it seems unlikely, so you should do a double check. Here is the HDFC webpage link Regalia Gold Credit Card as a Lifetime Free Credit Card | HDFC Bank
You can refer to the link for more information