Manage subscriptions You can follow the discussion on Axis Bank Atlas Credit Card Review without having to leave a comment. Cool, huh? Just enter your email address in the form here below and you’re all set. Email
You are right. But I also see that Business Moneyback cards are not affected.
What’s next… I got the card in may 2016…
Can I get a 2nd upgrade
Hi Siddharth, this is indeed a nice and comprehensive article. I have a HDFC Moneyback Credit Card issued to me a year ago as an upgrade from a Titanium Edge card I had earlier. The card has a limit of 3 lakh plus but am not happy with the features ever since the devaluation occurred. The next upgrade they have offered me is the Allmiles card which has the same devaluation. Is there a better card I can apply for from the HDFC stable? Do let me know your thoughts on the same. Thanks in advance:-).
Ask for Regalia or Regalia First.
Your Credit limit is good enough for bank to approve those cards.
Hey Siddharth, thanks for sharing this information bro:-). Guess I will have to contact their customer care for this request as the HDFC website is only offering me the Allmiles card as an upgrade if you can even call it that post all the devaluation. Will also wait for your review on Regalia First as well so that I can take an informed decision.
Sure. Just reviewed Regalia First. Have a look 🙂
I too had just gotten the money back card and this has been quite a bummer and my limit is around a lakh.
Which card would you recommend I upgrade to or change to. My priority is to get maximum savings rather then benefits for travel or for forex spend.
You can upgrade to allmiles or any diners cards. Your limit will also go up during upgrade, if you choose to.
I wanna apply for my first cc. Mostly for online use. Suggest me any HDFC Card.
Depends on Your eligibility. Get the premium ones if you’re eligible for.
Below is the High to low end variants
Diners Black > Regalia > All Miles > Moneyback
Nice to see your posts on credit cards. I am having HDFC Superia credit card and going to expire in 4 months. I have nearly 10000 reward points in this card. As per my knowledge, i have to redeem the points only through gift vouchers and cannot redeem as cash with Superia card.
As it is going to expire, Customer care person said i am eligible for Regalia card.
Please suggest which card is better for upgradation. Is it better to take a money back card so that i can redeem my points into cash or take Regalia card. Also, please clarify whether all my reward points will be transferred to the new card.
Regalia is good, better than Moneyback in many ways. Go for it.
Hi i am having hdfc bussines moneyback Card how much time to take limit increased in new card my bill payment is before due and usage 50% of limit
Request after 6 months. Showing increase in IT helps.
hii siddharth am using this card since 1 yr.i make a min bill of 15 to 20k per month.
right now i had 97k credit limit.but since 3 months am trying to upgrade my card as this is devalued as u said .
but they were not accepting my request to upgrade my credit card.actually i asked them for Regalia credit card upgrade.
i use mainly for recharges online shopping movie ticks utility bills etc..so if i wanna upgrade which wil be good option for upgrade so that i can get good rewards etc.
plsss reply.thank u
Its tough to get upgraded to premium card from a basic card with this limit.
You can upgrade to Allmiles and then to Regalia after another 3-6 months.
And now they introduced redemption fee of 75 INR even for cash credit. 🙁
Im going to get my first credit card from HDFC. Which I should I go for? They are offering me Teachers Platinum, moneybach, bharat cash back and freedom card.
I selected the Freedom one. Did i do the right thing? Please suggest . TIA
Moneyback is good to go, but if you’re eligible for premium cards, go with them.
Hi, How can I upgrade my HDFC Moneyback credit card to some other variant and what are the key points to have it upgraded or even have option to upgrade?
Check for upgrade on netbanking, if not just submit the upgrade application.
If usage is decent, you can apply for upgrade in 6 months.
We have Moneyback card with 4L limit. While checking for up gradation on net banking, it shows two options
1. EMV MC HNW REGALIA INTL
Annual Fees: 0
50% value of reward points remains
2. JETPRIVIL HDFCBANK WORLD
Annual Fees: 2500
43% value of reward points remains
Is it worth upgrading or should we continue with moneyback
Kindly read sid’s review gor both. Then see which suits you better.
Personally, I think they have taken all the benifits out of hdfc cards through devaluation.
It seems HDFC has further devalued this card. I have 2237 RP on my card and when i was redeeming them for cash it shows only 447/- INR as equivalent amount i.e 1RP =0.20 INR.
This is really poor move from HDFC.
i’m maxed out with limit of 88k. now i’m getting onlone offer to increase my limiti by 12k only. its the 7th month i’m using this card. should i got for 12k limit enchancement or shall i wait for auto limit enhancement?
i went with 12k limit increase which was done just with OTP. Still 5 months to go for yearly auto upgrade offer.
now insta loan is enabled for 75% of my card limit. planning to take 10k as intsa loan to enable jumbo loan.
i dont need money now, but to activate all types of loan through card i’m taking insta loan. So should i go for 10k or should i take more loan?
whats the point in taking loan when u dont need one, you gonna have to pay interest on money
Get the PDF file premium content offer by sidddarth, you’ll know better. i got HDFC card after getting the premium service
They have capped the monthly rewards point under 2X RP feature to 500 Rp per statement cycle on MoneyBack Card.
“FROM 15 JUL’20, MAX EARNING UNDER MONEYBACK’S 2X RP FEATURE FOR ONLINE
SPENDS WILL BE 500 REWARD POINTS PER STMT CYCLE”.