Chances if it being ltf ot fyf is very rare as I'm not hdfc customer and I don't get any pre approved offers while applying for it. Btw is there any possibility of converting to into ltf of fyf with retention team
Having a core HDFC card (like Millennia) will be quite useful in future for getting premium cards like (Infinia) in future. If you can spend 1L per year on Millennia in your spends, then definitely don't close it.
