HDFC shared limit confusion: Swiggy card upgraded to ₹6.4L but Millennia still shows ₹1L. Why

Help Needed/ Question

I have two HDFC credit cards:

- HDFC Millennia (got this first)

- HDFC Swiggy (got this later)

Initially, both cards had a shared/floater limit of ₹1 lakh.

Today I received a limit enhancement offer on my Swiggy card and accepted it. The Swiggy card now shows a limit of ₹6.4 lakh, but my Millennia card is still showing ₹1 lakh.

I was under the impression that HDFC cards usually share a common credit limit. Has anyone experienced this? Does it take some time for the floater limit to update, or has HDFC converted my cards to separate limits?

Would appreciate hearing from anyone who has gone through something similar.

Posted Jul 23, 2026, 4:59 AM UTC

412
Loading comments…