Upgrading HDFC credit card does not have any co-relation with the reward points. If you are a HDFC credit card holder you can upgrade from your current card to another card. You can download the credit card upgrade form from the bank’s official website, fill it up and submit it to the nearest bank.

The upgrade is decided at the sole discretion of the bank and you will be given any existing credit card product. Once your upgrade application is approved, you will be sent a new credit card which has new features. Features from the old card will no longer be valid. You cannot switch back to the old credit card after upgrading to a new card.