Getting Millenia Upgrade from Moneyback Plus

[Ares]

I have a Moneyback plus card (LTF) since September 2022.
Recently, I got a LE from 55k to 6.44 lakh and now I got an upgrade offer from moneyback plus to Millenia but the condition here is that the Millenia is only FYF. I mailed them to make Millenia LTF saying that my current moneyback plus is also LTF but they declined.
Any way possible to get the Millenia LTF?

 

[varun__goel_]

I closed my Business MonkeyBack 🐒 with 1.88L limit since I couldn't get any upgrade even though I also have Tata Neu Infinity LTF with same limit. Now getting only faaltu business cards again pre-approved like BizFirst and BizGrow, those also paid. Waiting for Millennia LTF offer. Applied for Millennia offline from branch C2C but declined because of work address same as home address (I'm a self-employed blogger). After already giving me 2 credit cards, why does this idiot bank have a problem giving me Millennia and bring up the address issue is beyond me.

Change your employment status from Self employed to salaried via netbanking

If you have selected self employed in savings account profile, they will only offer business cards

 

[Vasuki]

I closed my Business MonkeyBack 🐒 with 1.88L limit since I couldn't get any upgrade even though I also have Tata Neu Infinity LTF with same limit. Now getting only faaltu business cards again pre-approved like BizFirst and BizGrow, those also paid. Waiting for Millennia LTF offer. Applied for Millennia offline from branch C2C but declined because of work address same as home address (I'm a self-employed blogger). After already giving me 2 credit cards, why does this idiot bank have a problem giving me Millennia and bring up the address issue is beyond me.

How many days into closing they sent you offer

 

[anonymuos]

How many days into closing they sent you offer

3 months after closing

 

[Vasuki]

3 months after closing

How much you maintained?
Looks like I should be expecting in June then

 

[anonymuos]

Change your employment status from Self employed to salaried via netbanking

If you have selected self employed in savings account profile, they will only offer business cards

OK did this. I don't know why I put self-employed there. Should have realized this as long time ago. Now let's wait and see. 🙂

 

[vinrey287]

I'm also getting -(upgrade) to Millennia from past month. Regalia LTF to Millennia FYF. Only their AI enabled systems can offer such upgrades

 

[Ares]

@Ares Just curious how had you created this FD? Online or via the branch?

From their mobile app

 

[Ananthu113]

First take this offer immediately...
Getting out of MB+ Padmavyuha itself is a great achievement..
As you got a very good LE ,you will not stay on Millennia for more than 1 year..
You will get your Regalia Gold by next year..or you could get Millennia as LTF after a year of good spends this year..

Best wishes

Hello i am using freedom credit card which i took when i was a student (25000 limit) for 1.5 years, now i started to get an upgrade offer to MB+. what should i do reject and wait for LE or better cards. I used to use 80-90 percent of the limit (because the limit is too low) but recently ie, for like 4 months continously i stopped using HDFC CC and was spending on my AMEX card. So when i stopped using HDFC i started to get this upgrade offer. what should i do? i read a lot in this forum that you have to spend more to get upgrads or LEs at the same time there are a lot of times where people get these upgrads or LEs when they totally stopped using their CC.......... banks are using weird algorithms right?

 

[SSV]

Hello i am using freedom credit card which i took when i was a student (25000 limit) for 1.5 years, now i started to get an upgrade offer to MB+. what should i do reject and wait for LE or better cards. I used to use 80-90 percent of the limit (because the limit is too low) but recently ie, for like 4 months continously i stopped using HDFC CC and was spending on my AMEX card. So when i stopped using HDFC i started to get this upgrade offer. what should i do?

Keep doing what you have been doing ...

 

[Ananthu113]

Keep doing what you have been doing ...

hey i am planning to take MRCC card and my smartearn card is just 5 months old so whether i should wait for 6 months?

 

[SSV]

hey i am planning to take MRCC card my smartearn card is just 5 months old so whether i should i wait for 6 months?

You can apply for MRCC right now, if you want to..
DM me for details

 

[vinrey287]

hey i am planning to take MRCC card my smartearn card is just 5 months old so whether i should i wait for 6 months?

No cooling period for successful applications.

 

[Ananthu113]

No cooling period for successful applications.

whether there will be a cibil hit?

 

[Hisoka]

HDFC upgrades be like

 

[vinrey287]

I believe th

whether there will be a cibil hit?

Not sure. They did for my Plat Travel when I had smartearn but not for my MRCC. They usually do Rs.1000 enquiry. If you are in serviceable area,card would be mostly approved

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

HDFC upgrades be like

 

[Ananthu113]

Keep doing what you have been doing ...

Now they started to offer 100000 preapproved personal loan still no LEs

 

[Ananthu113]

Keep doing what you have been doing ...

Now i started to see Jumbo loan offer on Credit Card... still waiting ......

 

[maneesh]

Now i started to see Jumbo loan offer on Credit Card... still waiting ......

They are spamming me with this from 2 months.

 

[prashu]

Sent a grivience mail to hdfc for LE to natch existing icici cc limit.Got a mail to share payslips but i refused to and I asked them to close 2 hdfc cards and threatened to change my salary acc to icici if they don't enhance limit.