HDFC Credit Card Upgrade

HDFC Credit card upgrade will result in customers getting better features and benefits typically associated with a higher tier credit card. HDFC Credit Card Upgrade facility is extended to select cardholders only. To upgrade the HDFC credit card, follow the given steps:

• Visit the official website of HDFC Bank by clicking here
• Click on the “Login” button visible on the top-right corner of the screen
• Login into your Net Banking account using User ID and Password
• Click on the Cards Tab
• Click on “Credit Card Upgrade’ under Transact Tab
• Select your current credit card that you wish to upgrade and then click on the ‘Continue’ button
• If your card is eligible for an upgrade, follow the further instructions that appear on your computer screen and your request for upgraded HDFC credit card shall be registered by the Bank

Alternatively, you can download the “Application for Credit Card Upgrade / Limit Enhancement’ form available by clicking here. Fill the application form completely and correctly, attach the required documents and submit the duly filled form along with the documents to the nearest HDFC Bank Branch.

The benefits that you can avail with an upgraded credit card will depend on the type of card that you choose. For example, if you are upgraded from HDFC MoneyBack to HDFC Millennia, you will be able to get better cashback on online shopping and other expenses.

Some common benefits on an upgraded HDFC card could include:

• Enhanced Credit Limit
• More benefits offered by the upgraded credit card
• A better reward points program
• More offers and discounts

Availing the extra benefits and higher features offered by a better HDFC credit card is possible by upgrading your existing credit card to a new card but customers must keep in mind the following points while upgrading their credit card:

• Once the current credit card is upgraded the existing features and benefits of the credit card stands invalid and the features and benefits of the upgraded credit card shall apply
• The moment you give consent for an upgrade then the newly upgraded credit card cannot be reinstated to your old credit card number
• The transactions done with an old credit card shall be reflected in your new upgraded HDFC credit card once the process of upgrade is complete
• You may have to reinstate any ‘Standing Instruction’ or ‘Direct Debit’ on the new credit card

Will I have to pay membership fees on my upgraded HDFC card?
You may have to pay membership fees on the new credit card after HDFC credit card upgrade.

Do I have the facility of fee waiver?
Yes, the credit cardholders have an option for 2nd-year membership fee waiver but it is based on spends threshold done in the first twelve months of select credit cards.

What about my accumulated reward points will they get transferred on my upgraded HDFC credit card?
Yes, reward points earned and accumulated on existing credit card shall be transferred to your upgraded credit card at a pre-defined conversion ratio.

In how many days will I receive my new upgraded HDFC credit card?
You will receive your new upgraded HDFC credit card within 7 to 10 working days at your registered address.