This is my first credit card, and it is just 2 statements(months) old, both paid in full before due date.

I get invited to tech conferences frequently, so I do international flight bookings almost every month or two. However, as I get reimbursed the money at the conference, I'm good.

So, due to that and my international usage, my credit usage was pretty high for both the bill cycles [45% and 52%].

I think I would benefit better from a card with better points conversion. My current card is HDFC' Regalia First. I want to ask for a HDFC Regalia. Is it a good idea to ask them now? Or should I wait for 6 months?


There is not much difference between the 2 cards. It would be easier if you request for increase in credit limit.


The search term you want is "product change", and it differs by card issuer. Some won't do it at all, some make you wait a while. Two months is probably too early, but before you wait for another 4 months, you might call the issuer and see what they say. It won't hurt anything to find out their policy.


I can't speak to India but in the US, 6 months is a good rule of thumb to wait until asking for an increased limit.

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