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.
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