Reason to convert : It was declined twice in Sweden (maybe because of terminal) do not want it to happen in next Poland trip. How to convert : Simple way is to call HDFC customer care and ask them to change network, it will be delivered to your address withing 7 days. If you are not living on that address you can ask them to send it to your nearest HDFC back branch. Changing payment network is free of cost in HDFC cards not sure about others cards. It was free card for me as I was using HDFC MoneyBack CC since 2019, then got offer to upgrade it to MoneyBack Plus in 2021,this year got free upgrade to MILLENNIA.

The card fee will remain the same if the card variant remains unchanged, regardless of the card network. HDFC never charges the joining fee just for changing the card network like 🪓 💩. Maybe you can but try it at your own risk. lol, will prolly try I do some more spends and reach 7.5L spends to get 5k voucher, then for sure.

I have another Q, so if it resets, my card came with FYF, so will my card get another 1 yr or from feb only i will be charged? The card fee will remain the same if the card variant remains unchanged, regardless of the card network. HDFC never charges the joining fee just for changing the card network like 🪓 💩. also, in one yr i can get 2 milestones only, if milestone spends reset, does that mean with this trick one can do milestones twice and keep changing network lol. Maybe you can but try it at your own risk.

It will reset. Thanks for answering all my queries, you are amazing. I have another Q, so if it resets, my card came with FYF, so will my card get another 1 yr or from feb only i will be charged? also, in one yr i can get 2 milestones only, if milestone spends reset, does that mean with this trick one can do milestones twice and keep changing network lol.