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

[sudoabhi]

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?

 

[sudoabhi]

Why Only 50% and what about the remaining 4ewards

There's a conversion rate. You can find it on hdfc website somewhere. For millennia its 1:1. So i got 100% millennia points converted to Regalia points

 

[Santhosh]

There's a conversion rate. You can find it on hdfc website somewhere. For millennia its 1:1. So i got 100% millennia points converted to Regalia points

Yes But in Millennia you will get 1 RP = 1 RS ,In Regalia 1RP=0.20
Example
You have 1000 RP in Millenia and you got 1000 RP to Regalia
In Millenia 1000 RP = 1000 RS against statement
In Regalia 1000 RP = 200 RS against statement

We lost 800 RS
Any one clarify if there is anything is wrong on above calculation.

 

[sudoabhi]

Yes But in Millennia you will get 1 RP = 1 RS ,In Regalia 1RP=0.20
Example
You have 1000 RP in Millenia and you got 1000 RP to Regalia
In Millenia 1000 RP = 1000 RS against statement
In Regalia 1000 RP = 200 RS against statement

We lost 800 RS
Any one clarify if there is anything is wrong on above calculation.

Well sadly, that's something you can't do anything about.
I redeemed my millennia points to statement then opted for upgrade

 

[Santhosh]

Well sadly, that's something you can't do anything about.
I redeemed my millennia points to statement then opted for upgrade

Very Nice , I am also planning to do same.
After upgrade for online payments which card are you using like for 5%cashback.

 

[Hemang]

Yes But in Millennia you will get 1 RP = 1 RS ,In Regalia 1RP=0.20
Example
You have 1000 RP in Millenia and you got 1000 RP to Regalia
In Millenia 1000 RP = 1000 RS against statement
In Regalia 1000 RP = 200 RS against statement

We lost 800 RS
Any one clarify if there is anything is wrong on above calculation.

Calculation to sahi hai bhai, but we try to redeem it against rewards jisme return jyada ho jese ki voucher // flights.

 

[Hemang]

Well sadly, that's something you can't do anything about.
I redeemed my millennia points to statement then opted for upgrade

ye to badhiya kaam kara bhai ne.

 

[sakthi_ums]

I am still getting only Regalia LTF to Regalia Gold FYF. so, not taking it.

 

[sudoabhi]

Very Nice , I am also planning to do same.
After upgrade for online payments which card are you using like for 5%cashback.

Applied for SBI cashback (5% online). Application is still in processing. Wish me luck! Hehe

 

[Santhosh]

Applied for SBI cashback (5% online). Application is still in processing. Wish me luck! Hehe

Good . What is your credit card portfolio?

 

[Hemang]

Applied for SBI cashback (5% online). Application is still in processing. Wish me luck! Hehe

bohot sara luck bhai apko. Bhagwan apko sbi cashback card de.

 

[Itsbaburaj]

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

Thanks for letting us know. Though I haven't received this offer, I used this screenshot as a reference & asked my RM to upgrade my Millenia card to regalia gold & make that as an LTF card. He has agreed to that.

 

[Itsbaburaj]

yes i do.
For amazon - 5% with ICICI Amazon
Swiggy/Zomato - 10% with Airtel Axis
Flipkart / Myntra - I used Millenia for these, but if I upgrade then I will have to look for some other card. Though after upgrade I will get 5x with Regalia on Myntra
Other online - SBI SimplyClick (1.25% on all online)

You should consider buying SBI cashback card which will cover all these with 5% flat cashback.

 

[sudoabhi]

Thanks for letting us know. Though I haven't received this offer, I used this screenshot as a reference & asked my RM to upgrade my Millenia card to regalia gold & make that as an LTF card. He has agreed to that.

Good to hear that man!

 

[GokulRamalingam]

Thanks for letting us know. Though I haven't received this offer, I used this screenshot as a reference & asked my RM to upgrade my Millenia card to regalia gold & make that as an LTF card. He has agreed to that.

Good RM... What was your old card?

 

[pjain2712]

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.

10% (5+5) is for Milennia DC and not CC on Payzapp

 

[anisharya16]

10% (5+5) is for Milennia DC and not CC on Payzapp

Then train tickets booked thru Payzap+Millenia CC will fetch any advantage?

 

[pjain2712]

Then train tickets booked thru Payzap+Millenia CC will fetch any advantage?

5% Smartbuy + 1% Milennia CC reward points and 1%+GST surcharge. If you use debit card, no surcharge.

 

[anisharya16]

5% Smartbuy + 1% Milennia CC reward points and 1%+GST surcharge. If you use debit card, no surcharge.

This 5% smartbuy will be credited in the form of?

 

[pjain2712]

This 5% smartbuy will be credited in the form of?

may be as usual reward points for cc, not exactly sure, I mostly use DC only. For DC, in my case EasyShop Platinum, it is credited as Promotional Cashback section after 90 days.

 

[anisharya16]

may be as usual reward points for cc, not exactly sure, I mostly use DC only. For DC, in my case EasyShop Platinum, it is credited as Promotional Cashback section after 90 days.

Thanks. Will keep this kind.