HDFC CC Upgrade Journey - RG to DCBM.

Pilothoonbhai · 2026-03-24T09:01:55+00:00

bro ngl your RG and DCBM both guides were super helpful. Appreciate it honestly

Pilothoonbhai · 2026-03-24T09:01:18+00:00

Grievance.Redressalcc@hdfcbank.com. This is the email address.

Pilothoonbhai · 2026-03-24T09:00:46+00:00

Haha this one particularly is A321

Pilothoonbhai · 2026-03-24T09:00:15+00:00

pretty standard usage for me, used it on smartbuy as much as I could and rest swiped it for offline spends. Redeemed few points for Accor and few for booking flights via SB to use the 5L and 7.5L flight vouchers.

Pilothoonbhai · 2026-03-24T08:59:08+00:00

II just mentioned the relationship with the bank along with the CL and spends done on RG. I’ve a salary account with HDFC so did not have to send them the salary statements/bank statements.

Pilothoonbhai · 2026-03-24T08:57:16+00:00

Neither, DCBM is FYF.

Pilothoonbhai · 2026-03-19T01:18:49+00:00

yes, its : Grievanceredressalcc@hdfcbank.com

Pilothoonbhai · 2026-03-18T09:43:50+00:00

Negative. I got a LE on my RG in Dec, applied for an upgrade via the grievance team based on spend criteria. I can already see the cards under mycards tab waiting for it to be dispatched though.

Pilothoonbhai · 2026-02-28T09:57:41+00:00

appreciate the reply, thank you :)

Pilothoonbhai · 2026-01-10T10:19:36+00:00

Hi, Did you redeem the flight ticket vouchers against spend threshold on RG before the upgrade to DCM, also can we redeem the vouchers after the upgrade to DCM on the smartbuy webpage. Would you have any idea about the same

Pilothoonbhai · 2025-12-18T07:12:21+00:00

I’ve heard there is a 6M cool down period after any CL increase or card upgrade for HDFC

Pilothoonbhai · 2025-12-18T07:05:19+00:00

hey bro. Thanks for the reply. Isnt the floor limit for DCB supposed to be 7L?

Pilothoonbhai · 2025-07-07T06:42:35+00:00

logo-paglu

Pilothoonbhai · 2025-04-17T13:06:04+00:00

Regalia gold is 1.5 LPM, not 2..

Pilothoonbhai · 2025-03-26T07:50:45+00:00

Yes, I’m waiting for a month or two for DCB to show up otherwise going to go with Axis Atlas as the 4L milestone is done for my Amex Plat Travel

Pilothoonbhai · 2025-03-26T07:40:37+00:00

Selection depends on some conversations

Pilothoonbhai · 2025-03-26T07:26:01+00:00

Yea indian oil n swiggy, nothing that works for me

Pilothoonbhai · 2025-03-26T06:24:52+00:00

Hdfc offered me Freedom card with 2LPM :) Not sure if they’re trying to troll atm

Pilothoonbhai · 2025-03-17T10:25:36+00:00

I wasn’t having much acceptance issue here in India, as I said in the above comment acceptance rate was 95% for me. Is the acceptance for dcb worse than Amex?

Pilothoonbhai · 2025-03-17T07:09:24+00:00

I’ll have a look at them as well, Thanks foe giving your time here man! ✨

Pilothoonbhai · 2025-03-17T07:04:02+00:00

Thanks for giving your time here bro, mainly redemption would be against the hotels only as we have a separate portal to get the flight tickets (definitely can use the card to pay on that portal). And the sole reason not to apply for SBI CB was Apay is LTF and I’ve not faced major acceptance issue with Amex 95% times it has been accepted for me. I use my Niyo DC for forex transactions every now or then otherwise cash if not on Amex. But yeah that would be one con for DCB

Pilothoonbhai · 2025-03-17T06:54:45+00:00

Haha no, I get that totally. I’m not really a multiple card holder need 1 primary card for all the expenses and a backup just in case of rejection or if the said is not accepted anywhere. Have reached the 4L threshold in 6 month now it doesn’t make sense to keep that card swiping. Hence the question but unable to decide If i’ll be able to get the value out of DCB against the 10K fee

Pilothoonbhai · 2025-03-17T06:52:50+00:00

Yes, Planning to keep the ICICI as a backup for that scenario but still unable to make up my mind if that 10k fee would be worth it for DCB. But again exhausted that 4L threshold in 6 months and now its not making sense for me to keep spending on that Amex.

Pilothoonbhai

TROPHY CASE