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Do you buy stuff via Amazon subscribe & save option? If yes, please do us a favor and let us know if you get 5% cashback by next cycle.

wow. didnt know that! so basically, we are paying only the GST of 270 per year? 1. is it possible to upgrade from the existing SBI BPCL card to octane version? 2. also, as a member mentioned above, are there charges for converting the 6k points to statement credit? please advice.

how is the fuel cashback redemption process on idfc? its slightly complicated on sbi bpcl. we need to find a patient fuel pump operator and go when there is no rush otherwise, they wont redeem the points. takes 3 to 4 mins if the guy is knowledgeable.

exactly. i am in the same boat. i was thinking of upgrading to regalia and also getting a new Swiggy card. but i might still miss the millennia features so planning to skip the upgrade.

1. In Amazon / Flipkart, we have mobile phones on sale with tie-up certain banks for flat discounts. Will the Swiggy card be eligible under all HDFC instant cashback discounts? plus will we get the additional 5% also in the card statement? FYI, SBI Cashback card is always excluded from SBI Cards...

i have a millennia LTF with 12L credit limit. can i get Infinia LTF if i write to PNO? or is it better to upgrade to regalia gold LTF first and then mail PNO after a month or so? i have a bank account with HDFC. nothing else.

I have 2000 rupees credit balance on my credit card. if i upgrade my hdfc card, will i get my 2000 rupees credit transferred to the upgraded card? reward points i am aware will be transferred. thinking if I should spend the 2k first before upgrading?

why are you using Millennia for offline gold purchase instead of Amazon ICICI? Amazon gives 1% unlimited cashback.

another doubt is whether this swiggy card will work on smartbuy portal? as this can be considered under "Other CC" category in the table given on the site?

Is that a bad thing? Does it reduce my score?

Yes it did

Yes got it pre approved so I don't think it gets rejected later.

thank you legends. will try the 30 days waiting game method :)

hello. i was trying to apply for swiggy card directly from hdfc website. it shows Rs 500 is struck out. does it mean its LTF or just that the joining fee is waived?

great. you are almost covered then. just note that for Flipkart you mentioned you can get 5X with regalia. Remember that 5X with regalia is not the same as 5% with millennia. minor thing as you can move your purchases to amazon or try applying for flipkart axis card.

do you have any other cards for online spends? otherwise you will miss the 5% cashbacks you get with millennia on amazon flipkart swiggy zomato etc

the 5X RP on regalia gold appears to be a scam. 1 RP is only 20 paisa. Unlike 1 Rs on other HDFC cards like millennia. 5X on millennia really means something. The poor cashback is what is holding many from upgrading to Regalia gold.

Today I found new options to pay credit card bills through HDFC pay using HDFC credit card as a new option. surprised to see that. is this normal? i went till the last section and it also shows zero convenience fee. Is there any cashback benefit in paying credit card bills with HDFC millennia...