Millennia Got an upgrade offer from Moneyback+ to Millenia. Planning to take it for 1 year. Need advice !!

[AsB]

After lots of struggle and a lot of prayer, I recently got an upgrade offer from Moneyback+ to Millenia. And just like many other people, my upgrade is only FYF, not LTF. I have two great cards :-

• Amazon Pay ICICI
• Tata Neu RuPay HDFC

I reached out to Cards Services and Escalation Team, and both of them broke my heart. They said that they wont consider LTF Upgrade. One of them said that they never provide LTF upgrade (which I think is wrong).

So, I have sent an email to Grievance Redressal , trying for a final attempt to get my Upgrade as LTF. If they deny as well, I will take the card as a FYF. Then, I will use it extensively, for 1 year, replacing my Amazon Pay card completely.

If after 2-3 years, they dont buzz to give me LTF , then I will close the card, and possibly either apply C2C or make my peace with Tata Neu.

So, my questions are :;-

1) What do you think of this strategy ?

2) Is it difficult to get LTF on upgraded cards in HDFC ?

3) How easy/difficult is it to get the card approved after closing the card ?

 

[SpiesCan'tCatchMe]

Which email you sent & which email reply you got?

I sent the email on both the address you provided and got the reply from one of them

 

[imdjay]

Upgrade offers are usually valid for a month or for a quarter but not more than that.
A month is more probable.

Mine was removed in a week last year.
and this time it keeps switching between Milennia and Regalia Gold every week or so. My current card is LTF Regalia first.

 

[raghu.rokda]

Yahi pata karna hai. Pahle ek bar infinia ka offer Mila tha but upgrade nahi kar paya. Ab regalia gold ka Mila hai.
Reward samajh me nahi aa raha Regalia Gold me 150 me 4 points de rahe which is equal to 0.8 rupee
Almost half of what milennia is giving

From my point of view
Mellinnia is better than any type of regalia
Upar se paid de rahe hain
I also get business regalia last month but not take
This time they gave regalia gold
Yes 150 mai 80 pesa milega regalia gold mai
So BIG NO

 

[shutapdiya]

My current card is LTF Regalia first.

Mera Bhai hai tu.... 🍻

 

[Trust Me]

Try to leverage your banking relationship with HDFC, your regular use of cards, your spending pattern, etc.

If you are just asking informally, they'll decline you most of the time. Just tell them what business they'll get by providing you with an LTF card. It's always a 2-way street.

Man, it sounds rather like a job interview!

Is it likely to work if, as an Imperia customer, I give them hints instead about what business they're likely to lose (in terms of investments) if they don't keep me happy?

 

[Heisenberg37]

I have MB+ 4 months
Spent around 6 lac
How can i make it ltf?

 

[Ehtasham_123]

After lots of struggle and a lot of prayer, I recently got an upgrade offer from Moneyback+ to Millenia. And just like many other people, my upgrade is only FYF, not LTF. I have two great cards :-

• Amazon Pay ICICI
• Tata Neu RuPay HDFC

I reached out to Cards Services and Escalation Team, and both of them broke my heart. They said that they wont consider LTF Upgrade. One of them said that they never provide LTF upgrade (which I think is wrong).

So, I have sent an email to Grievance Redressal , trying for a final attempt to get my Upgrade as LTF. If they deny as well, I will take the card as a FYF. Then, I will use it extensively, for 1 year, replacing my Amazon Pay card completely.

If after 2-3 years, they dont buzz to give me LTF , then I will close the card, and possibly either apply C2C or make my peace with Tata Neu.

So, my questions are :;-

1) What do you think of this strategy ?

2) Is it difficult to get LTF on upgraded cards in HDFC ?

3) How easy/difficult is it to get the card approved after closing the card ?

I am holding Regalia First CC LTF, I am being offered upgrade to Millenia as FYF. When I contacted Customer care they said upgraded Millenia shall be FYF and it would not be converted as LTF; only spend based annual fee waiver is possible. They are pursuing since last 6-8 months, I don't prefer to upgrade on the cost of LTF card when I have other cards with good cashback rate.

 

[D₹V]

I have MB+ 4 months
Spent around 6 lac
How can i make it ltf?

Go through thread. You'll find template.

 

[D₹V]

I sent the email on both the address you provided and got the reply from one of them

Try again 🥹

 

[AsB]

I am holding Regalia First CC LTF, I am being offered upgrade to Millenia as FYF. When I contacted Customer care they said upgraded Millenia shall be FYF and it would not be converted as LTF; only spend based annual fee waiver is possible. They are pursuing since last 6-8 months, I don't prefer to upgrade on the cost of LTF card when I have other cards with good cashback rate.

Regalia First is still 1% better than MoneyBack+ .Even I wouldn't take non-LTF Millenia

 

[souvikr]

I also got upgrade from LTF MB+ to FYF Millenia few days ago. I accepted the offer as soon as I saw it.

 

[NShah]

I also got upgrade from LTF MB+ to FYF Millenia few days ago. I accepted the offer as soon as I saw it.

Good decision 😎

 

[D₹V]

I also got upgrade from LTF MB+ to FYF Millenia few days ago. I accepted the offer as soon as I saw it.

Great 😃 .

 

[AsB]

How does Millenia compare to SBI Cashback ?

 

[D₹V]

How does Millenia compare to SBI Cashback ?

Due to 5% cashback category on 10 merchants.

 

[NShah]

How does Millenia compare to SBI Cashback ?

Millenia 5% upto 1k on selected merchant
Sbi cashback 5% upto 5k on online spend (not all online spend)

 

[James]

Millenia 5% upto 1k on selected merchant
Sbi cashback 5% upto 5k on online spend (not all online spend)

Is that 5% cb on every 100 or if the amount is 150, you'll get 7 or 8 cb?

I got millenia last month, so confused to spend

 

[NShah]

Is that 5% cb on every 100 or if the amount is 150, you'll get 7 or 8 cb?

I got millenia last month, so confused to spend

I think no minimum transaction value

 

[shrewdoc]

Is that 5% cb on every 100 or if the amount is 150, you'll get 7 or 8 cb?

I got millenia last month, so confused to spend

Spend whatever you like. In HDFC, there is no per transaction cashback like ICICI. (except Tata Neu)
They calculate cashback basis spends per Calendar Month.

 

[niteeshk]

After lots of struggle and a lot of prayer, I recently got an upgrade offer from Moneyback+ to Millenia. And just like many other people, my upgrade is only FYF, not LTF. I have two great cards :-

• Amazon Pay ICICI
• Tata Neu RuPay HDFC

I reached out to Cards Services and Escalation Team, and both of them broke my heart. They said that they wont consider LTF Upgrade. One of them said that they never provide LTF upgrade (which I think is wrong).

So, I have sent an email to Grievance Redressal , trying for a final attempt to get my Upgrade as LTF. If they deny as well, I will take the card as a FYF. Then, I will use it extensively, for 1 year, replacing my Amazon Pay card completely.

If after 2-3 years, they dont buzz to give me LTF , then I will close the card, and possibly either apply C2C or make my peace with Tata Neu.

So, my questions are :;-

1) What do you think of this strategy ?

2) Is it difficult to get LTF on upgraded cards in HDFC ?

3) How easy/difficult is it to get the card approved after closing the card ?

regarding 3 question . i am also in same boat bro . I closed my mb+ and thought of applying for millinea again . when i asked my home branch people they said they are not doing offline applications and told me to apply online again .
in online they are providing me mb+ again .
So I believe it depends on branch and also individual offer