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You can upgrade your HDFC Bank Credit Card through several convenient methods, with the fastest options being online via the HDFC Bank website or through NetBanking. Upgrading allows you to access better benefits, rewards, and potentially a higher credit limit. HDFC Bank generally offers upgrades to select pre-approved customers based on their usage and repayment history.
Eligibility for HDFC Credit Card Upgrade
HDFC Bank offers credit card upgrades primarily to select pre-approved customers. Eligibility is usually determined by your spending patterns, repayment history, and overall relationship with the bank.
- Check Online: The quickest way to determine if you qualify for an upgrade is to check the HDFC Bank portal. You can often see pre-approved offers directly on their website or within your NetBanking account.
- Usage and Repayment: Regular and responsible use of your current credit card, including timely bill payments, significantly increases your chances of receiving an upgrade offer.
- Credit Limit Enhancement: Sometimes, an upgrade offer may be combined with a credit limit enhancement, which is also based on your usage and repayment record.
How to Upgrade Your HDFC Bank Credit Card Online (Fastest Method)
The most convenient and instant way to upgrade your HDFC Bank Credit Card is through their digital platform. This method allows you to initiate the upgrade process quickly from your computer or smartphone.
- Visit the Upgrade Portal: Go directly to the HDFC Bank Credit Card upgrade page. You can often find a direct link on the HDFC Bank website dedicated to card upgrades.
- Check for Offers: On this portal, you can instantly check if you qualify for any pre-approved upgrade offers.
- Select Your Desired Card: If an offer is available, you will be able to view the cards you are eligible for. Select the credit card you wish to upgrade to.
- Complete the Digital Process: Follow the on-screen instructions to complete your upgrade request digitally. This typically involves confirming your details and accepting the terms.
Other Ways to Upgrade Your HDFC Credit Card
1. Upgrade via HDFC Bank NetBanking
If you prefer to manage your card services within your existing banking portal, NetBanking is a straightforward option.
- Log In: Access your HDFC Bank NetBanking account using your User ID and IPIN.
- Navigate to Cards: Once logged in, go to the ‘Cards’ section.
- Request Upgrade: Look for the ‘Request’ menu, and then select ‘Credit Card Upgrade’.
- Follow Prompts: The system will guide you through any available upgrade offers and the steps to complete your request.
2. Upgrade via Phone Banking
For personalised assistance, you can contact HDFC Bank’s customer service.
- Call Customer Care: Dial the 24/7 phone banking number for HDFC Bank. You can find this number on the back of your existing credit card or on the official HDFC Bank website.
- Speak to an Executive: Inform the customer service executive that you wish to inquire about or initiate a credit card upgrade. They will check your eligibility and guide you through the process.
3. Upgrade by Visiting an HDFC Bank Branch
If you prefer an in-person interaction, you can visit any HDFC Bank branch.
- Locate a Branch: Find your nearest HDFC Bank branch.
- Consult a Representative: Speak to a bank representative at the credit card desk. They can check for upgrade offers available to you and help you fill out any necessary forms for a manual upgrade request.
Understanding Charges for Credit Card Upgrades
When you upgrade your HDFC Bank Credit Card, there are typically no hidden charges or additional fees specifically for the upgrade process itself. However, it is important to note the following:
- New Card Charges: The new credit card you upgrade to will have its own annual fees and other associated charges, which will be applicable as per the ongoing offer for that specific card variant.
- Offer Details: Always review the terms and conditions of the new card, including any joining fees, annual fees, and waiver conditions, before confirming your upgrade.
What Happens After You Upgrade Your HDFC Credit Card?
Once you initiate an upgrade, several things occur regarding your existing card, new card, and associated benefits.
1. Existing Credit Card Usage
You can continue to use your existing HDFC Bank Credit Card without interruption until your new, upgraded card reaches you. Your existing card will be automatically disabled under one of these conditions, whichever comes earliest:
- When you start using your new, upgraded card.
- Within 60 days of the card upgrade request.
- On the existing card’s expiry date.
2. New Credit Card Delivery
After you submit a request for a new Credit Card, HDFC Bank dispatches the card to your registered address within 10-15 working days. You will receive shipment details to track its delivery.
3. Reward Points Transfer
When you upgrade your HDFC Bank Credit Card, your existing Reward Points will generally maintain their total value, with a conversion ratio applied for transfer. You will also typically earn extra Reward Points as part of the upgrade offer. Note that there might be specific exceptions, such as with Millennia upgrades, where the transfer of points may follow different conversion ratios.
4. EMIs, Loans, and Bill Payments
All existing Equated Monthly Instalments (EMIs), bill payments, and loans linked to your old credit card will be automatically transferred to your new HDFC Bank Credit Card. This ensures continuity in your financial commitments without any manual intervention required from your side.
Activating Online, International, and Contactless Usage
In line with RBI guidelines, all upgraded Credit Cards are initially disabled for online, international, and contactless usage as a security enhancement measure. To enable these features on your new card, you must specifically activate them:
- Online/Website: Visit the HDFC Bank website and navigate to the credit card control section to enable these transactions.
- WhatsApp Chat: You can also use HDFC Bank’s click-to-chat service on WhatsApp for assistance in enabling these features.
- EVA: Use the bank’s virtual assistant, EVA, for guidance on activating these functionalities.
Credit Limit Enhancement with Upgrade
In some cases, HDFC Bank may offer a credit card upgrade along with a higher credit limit. This facility is provided to special customers based on their consistent usage and excellent repayment record. You can check for such combined offers instantly online or by contacting phone banking for assistance.
Frequently Asked Questions
What happens to my existing Credit Card in case of an upgrade?
You can continue using your existing card until the new one arrives. Your old card will be disabled either when you start using the new card, within 60 days of the upgrade, or on its expiry date, whichever comes first.
When and where will I receive my new Credit Card?
Your new credit card will be dispatched to your registered address within 10-15 working days of your request. You will also receive shipment details.
What will happen to my existing reward points in case of an upgrade?
The total value of your existing Reward Points will remain the same (except for some specific upgrades like Millennia cards), and they will be transferred to your new card as per the conversion ratio in the Unified Conversion Portal. You may also earn extra reward points with the upgrade.
Will online, international and contactless usage feature be enabled on my upgraded Credit Card?
No, these features are disabled by default for security reasons on upgraded cards. You need to manually enable them through the HDFC Bank website, WhatsApp chat, or by asking EVA.
Are there any fees for upgrading my HDFC Bank Credit Card?
There are no specific fees for the upgrade process itself. However, the new credit card you receive will have its own applicable annual fees and charges as per its specific offer.