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Hi All, Can someone guide me on how to get LTF HDFC Times Platinum card? I already have Regalia First and Tata Neu Infinity as LTF. Does the spend based/add-on card offer still exists? I don't want to upgrade Regalia First as I have heard it is difficult to get core cards if you just have...

Hi Folks, I am holding LTF Regalia First Card and I got an upgrade offer in email for Millennia Card but only First year free will be waived off. Is there any way that it can be converted to LTF by adding bills in Smart Pay or issuing add-on cards or meeting any spend based target?