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Regalia Gold HDFC is offering upgrade from Millenia to Regalia Gold LTF.

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S U D O

TF Premier
Hi
HDFC is offering LTF upgrade to Regalia Gold credit card on my existing Millenia Card.
My Millenia is also LTF and has limit of 3.46L
Should I consider taking the offer or is it better to stay on Millenia ?
What are your suggestions?

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anishaga said:
I've also got an LTF upgrade to Regallia gold from my Millenia LTF but I also feel that it's more of a downgrade (at least for me). I do not visit airports so lounge access isn't really valuable to me. Shopping/Food/Utilities are taken care by 5% Millenia cashback so I don't see any good incentive to move to Regallia gold.
Click to expand...
I decided to upgrade as I was not getting any significant benefit out of Millennia.
I will tell you how-
Millenia gives 5% cashpoints on 10 specific merchants out of which I use Amazon, Flipkart, Myntra, Swiggy, Zomato and Tata Cliq(occasionally) only.
Millennia gives 1% on all other including EMI and Wallet trx.

For Amazon - I have ICICI Amazon
Swiggy/Zomato/Utilities - I have Airtel Axis
Flipkart/Myntra - I...
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sudoabhi said:
Hemang bro, meri month ki 20k ki utilities bill nahi aate bhai. And jitne aate hain monthly wo mai Airtel Axis se kar leta hun.
Haan bhai, if you are a HDFC customer, do use PayZapp, you get good offers sometimes.
Haan train tickets Payzapp se karo 10% (5% + 5%) milega. Par railway surcharge lagta hai 1%+gst CC se pay krne pe. Toh usko mind krke bhi acha cashback hota hai.
Mere most of trx Millennia se wahin pe hote the.
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ha bhai fir to dikakt nahi hai. Mere utilites per month 10k touch ho jata hai. Also i don't want to get neucoins for my bill pay. Real cashback is more lucrative. Yesterday i calculated for infinia, if we pay utilites by buying amazon pay balance (loading through amazon gv), we get around 4.4% cashback. So yes regalia gold ke baad vali upgrade bhi achi rahegi. Rest i also thinking to take LTF Gold regalia.
 
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Hemang said:
Flipmart - 5x ka matlab. 1000 rupees ka purchase karne pe 26 rps milenge (4 points per 150 rupees spent.) and if redeem against gv then value comes at Rs 9.1. which in % would be ~0.91% return. Also redemption charges 99+GST.
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pretty sure a spend of Rs 1000 would only net 24 RP, as most card don't give out fractional points (SC Ultimate was/is a card that gave you fractional points iirc). a spend of Rs 1050 would net you 28 RPs (4 RP per 150 Rs.), even a rupee less will give you only 24.
 
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sudoabhi said:
Any specific reason/benefits why you are suggesting ?
I was trying to calculate the value back for Regalia Gold, and it turned out to be 1.7% if I redeem using the Gold Catalogue (Don't know what exactly the catalog is) and it is 1.3% if I convert to air miles or use on Smartbuy and 0.5% if redeemed against card statement.
The only benefit I am seeing is Lounge access, which I don't really need because I visit lounges occasionally.
Am I missing anything? Please let me know. Thanks.
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Wow .. you analyzed like a Linux user . Mostly you are right. Apart from millenia other core cards are really a downgrade to many.
Begging Episode 4 GIF by The Simpsons
 
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sudoabhi said:
I DO YOU? If yes please tell)
Any other benefit of Millenia that I am missing ?
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Enjoy the Regalia Gold benefits. But since you asked -

Millenia gives 6.482% return on 1,08,000 spends in a quarter. It's a much better reward rate than many top tier cards.

From August onwards though, the return rate will slightly reduce to 6.427% because of the statement redemption fee.
 
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P B R G said:
Enjoy the Regalia Gold benefits. But since you asked -

Millenia gives 6.482% return on 1,08,000 spends in a quarter. It's a much better reward rate than many top tier cards.

From August onwards though, the return rate will slightly reduce to 6.427% because of the statement redemption fee.
Click to expand...
How do you get 6.4% ? Milestone benefits?
And why the number 1,08,000 ?
 
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sudoabhi said:
Hi
HDFC is offering LTF upgrade to Regalia Gold credit card on my existing Millenia Card.
My Millenia is also LTF and has limit of 3.46L
Should I consider taking the offer or is it better to stay on Millenia ?
What are your suggestions?

View attachment 58229
Click to expand...
Take it LTF !!!
I got it as FYF from regalia to gold
lifestyle benefits are good
Travel benefits too
Lounge might be useful some or the other time
 
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I am holding Moneyback LTF, being offered Regalia FYF, should i take ?
Already hold Tata Neu Infinity LTF

last time was offered Millenaia FYF, i rejected as i wanted it LTF
Any chance of they offering me LTF in future if i reject again this time ... well its HDFC..
 
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skip_tyler said:
I am holding Moneyback LTF, being offered Regalia FYF, should i take ?
Already hold Tata Neu Infinity LTF

last time was offered Millenaia FYF, i rejected as i wanted it LTF
Any chance of they offering me LTF in future if i reject again this time ... well its HDFC..
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I am also holding Moneyback plus LTF currently and first they offered Regalia GOLD FYF but since I did not upgrade, now I am getting it LTF (LTF offer took almost 2-2.5 months after they offered it FYF)
And today I accepted the Regalia GOLD LTF upgrade.
 
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Ares said:
I am also holding Moneyback plus LTF currently and first they offered Regalia GOLD FYF but since I did not upgrade, now I am getting it LTF (LTF offer took almost 2-2.5 months after they offered it FYF)
And today I accepted the Regalia GOLD LTF upgrade.
Click to expand...
Now i have hope, will reject FYF again then, will wait till they make it LTF
 
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Ares said:
I am also holding Moneyback plus LTF currently and first they offered Regalia GOLD FYF but since I did not upgrade, now I am getting it LTF (LTF offer took almost 2-2.5 months after they offered it FYF)
And today I accepted the Regalia GOLD LTF upgrade.
Click to expand...
Did your old rewards points will go into Regalia?
 
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Ares said:
I think they converted on the basis of the value of the reward points. I had 1630 reward points and now I have 815 - the value of these 815 points would be similar to 1630 MB+ reward points I guess.
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In MB+ Basic value for 1 RP=0.20 and In Regalia also IRP=0.20. it should be 1630.
 
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