Last updated: 21 August 2026
What Is It?
Same bank me tier change — upgrade (better card) ya downgrade (LTF).
When Upgrade
- Income badh gayi
- Premium perks use
- Fee vs benefits positive
Why Better Than Close
History same — credit age nahi ghatta. Isliye downgrade > close.
Frequently Asked Questions
Q: Upgrade hurt score?
A: Usually no — same account.
Q: Downgrade for fee?
A: Haan — LTF/entry card better than close.
Convert your statement — free!
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