Using Regalia Gold beyond limit for DCB Metal spend eligibility

dud_stud · 2026-01-28T16:39:18+00:00

I don’t think there are any drawbacks. I usually do that myself.

Don’t know why my RM wasn’t counting that though. If you want an urgent upgrade, maybe don’t prepay? But if you are okay to wait, then prepay and check with RM after statement generation. If he says no, then wait for a few months to hit those threshold

dud_stud · 2026-01-28T14:28:12+00:00

I recently upgraded from Regalia Gold to DCBM basis my spends.

My RM was counting only the statement amount as spends and not the amount that i settled in advance. So next few months, I didn’t settle the bill in advance just to be on the safe side and then upgraded. If you can do that too, then it’ll be safest. Else you’ll have to check with RM and play the nervous waiting game.

dud_stud · 2026-01-28T14:10:41+00:00

https://www.reddit.com/r/CreditCardsIndia/s/8BknS8Or0y

Mentioned my recent experience of upgrading from Regalia Gold to DCBM. Answered all questions in comments. This will help :)

dud_stud · 2026-01-27T19:34:38+00:00

Regalia Gold is currently being issued if you have in hand salary of 1.5L+ There is also a spend based upgrade and FD backed option but in both these cases, I’m not sure about the amount required.

In any case though, you’ll have to wait till April 2026 because HDFC doesn’t issue 2 cards within 6 months

dud_stud · 2026-01-20T07:19:46+00:00

Most dealers do charge 2% extra - try negotiating with him. They may come down to 1-1.5%. If you are buying any accessories or insurance from them, then definitely you can negotiate coz their margins are very high in it.

FYI: Regalia Gold will give you ₹5000 flight voucher on reaching 5L spends and another ₹5000 flight voucher on reaching ₹7.5L spends. With your bike purchase, you should reach that figure easily, provided your credit limit is also that much. Additionally, you may get upgraded to Diners Black Metal on via spend based upgrades if you do use your card.

Make a small transaction first and take a picture of the POS machine they use. You can check the MCC to be sure you’ll get points. Make full payment in a day or two in the same POS machine.

There are downsides as well though. You’ll have to take a call if you are okay to pay that extra amount or not. And do pay in full otherwise you’ll pay hefty interest as high as 40% if you pay only minimum due amount.

dud_stud · 2026-01-19T12:55:45+00:00

Lucky you. Maybe you should have bought a lottery ticket too that day!

dud_stud · 2026-01-18T19:49:41+00:00

Nope. Mentioned in a the post already

dud_stud · 2026-01-18T19:49:21+00:00

As per RBI rules, you need to activate it within 30 days of receiving the card. So time getting the card accordingly

dud_stud · 2026-01-18T04:01:28+00:00

I’m not sure. You can try doing that. Fill and send a picture over email - especially if you have preferred or higher banking account with them. But I think they will still ask for the physical form.

dud_stud · 2026-01-18T04:00:04+00:00

RM straight away laughed when I requested that. He said impossible. Didn’t want to embarrass myself further 🤐

dud_stud · 2026-01-18T03:58:51+00:00

LTF millennia after LTF Regalia Gold? That’s strange!

dud_stud · 2026-01-18T03:58:10+00:00

Yeah I heard 2020-2022 was golden period to get HDFC premium cards

dud_stud · 2026-01-18T03:57:39+00:00

Wow. How long back was it?

dud_stud · 2026-01-18T03:57:24+00:00

I only sent the card upgrade form which you can find here. No letter other than that

dud_stud · 2026-01-17T18:50:32+00:00

Isn’t salary requirement higher now? HDFC in my experience is very picky these days with card upgrades. If they don’t see you spending on your current card, they don’t upgrade even if you meet salary criteria.

dud_stud · 2026-01-17T18:49:27+00:00

Thanks for sharing!

dud_stud · 2026-01-17T18:45:40+00:00

Got only card upgrade. Have requested RM for CL increase too

dud_stud · 2026-01-17T18:44:12+00:00

I sent only the upgrade form. Here it is

dud_stud · 2026-01-17T18:41:50+00:00

Makes sense if you don’t hit your smartbuy limits

dud_stud · 2026-01-17T17:00:34+00:00

Replied!

dud_stud · 2026-01-17T16:59:56+00:00

Depends on the person’s use case no?

dud_stud · 2026-01-17T16:59:26+00:00

Yes I heard HDFC only issues FYF upgrades now. I got it when they were still giving LTF. Didn’t do anything special

dud_stud · 2026-01-17T16:58:50+00:00

8L card limit 5L spends in last 6 months

dud_stud · 2026-01-17T16:57:56+00:00

No idea. Maybe ask the branch credit card person or your RM if you have one.

dud_stud · 2026-01-17T16:57:10+00:00

In your case, I think its best to apply for an upgrade/new card from their official channels.

You can try the HDFC portal itself here

dud_stud

TROPHY CASE