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

[S U D O]

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?

 

[vine]

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

Just to confirm
1) If we book train tickets in Payzapp app and pay using Millennia DC, we get 5% Smartbuy promo cashpoints plus 5% Millennia cashpoints, correct?
2) are these cashbacks also valid if we book Tatkal tickets?
3) no surcharge and no extra charges when we use Millennia DC , correct?

 

[pjain2712]

Just to confirm
1) If we book train tickets in Payzapp app and pay using Millennia DC, we get 5% Smartbuy promo cashpoints plus 5% Millennia cashpoints, correct?
2) are these cashbacks also valid if we book Tatkal tickets?
3) no surcharge and no extra charges when we use Millennia DC , correct?

1. Yes
2. Should be but I haven't tried Tatkal as of now.
3. No surcharge, it's applicable only for credit card.

 

[beast_boy]

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

hi Bro how old is your millennia credit card and what is your expenses on the same

 

[beast_boy]

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.

And here I am stuck with and RM who has no knowledge and authority even to get my Credit limit increased. Is it possible to get my RM Changed to someone better.

 

[Hemang]

Just to confirm
1) If we book train tickets in Payzapp app and pay using Millennia DC, we get 5% Smartbuy promo cashpoints plus 5% Millennia cashpoints, correct?
2) are these cashbacks also valid if we book Tatkal tickets?
3) no surcharge and no extra charges when we use Millennia DC , correct?

Smartbuy promo points to platinum aur millenia debit card koi sa bhi use kro milenge na hume ? Only 5% jo millenia cashpoints hain jo 400 ki limit me aata hai har month, vo specific hai for millenia usage only.

 

[vine]

Smartbuy promo points to platinum aur millenia debit card koi sa bhi use kro milenge na hume ? Only 5% jo millenia cashpoints hain jo 400 ki limit me aata hai har month, vo specific hai for millenia usage only.

Yes. . .

 

[Hemang]

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

bhai ye to directly smartbuy pe jake hum agar ticket book krenge tb bhi itna hi milta hai cashback hume. What is the added advantage of using payzapp when we use millenia CC for it. ?
One thing i read confirmed by other members too that 10% (5+5%) cashback is on millenia DC on platform payzapp right ?

 

[pjain2712]

bhai ye to directly smartbuy pe jake hum agar ticket book krenge tb bhi itna hi milta hai cashback hume. What is the added advantage of using payzapp when we use millenia CC for it. ?

Only benefit of using Milennia CC on smart buy is, as its base reward is 1%, IRCTC surcharge fee gets waived (without GST)

One thing i read confirmed by other members too that 10% (5+5%) cashback is on millenia DC on platform payzapp right ?

Yes, 10% is only for Milennia DC and not CC. You can use calculator in smart buy to check how much rewards we get on which cards.

 

[Hemang]

Only benefit of using Milennia CC on smart buy is, as its base reward is 1%, IRCTC surcharge fee gets waived (without GST)

Yes, 10% is only for Milennia DC and not CC. You can use calculator in smart buy to check how much rewards we get on which cards.

Fir millenia DC tbhi use krke fayda hai jab 400 millenia ka cashback pura naa ho pa rha ho.

Mere case scenario me millenia cc use krke jyada fayda hai, smartbuy & payzapp pe matlab same hi cashback rahega when we use millenia cc ?

 

[pjain2712]

Fir millenia DC tbhi use krke fayda hai jab 400 millenia ka cashback pura naa ho pa rha ho.

Mere case scenario me millenia cc use krke jyada fayda hai, smartbuy & payzapp pe matlab same hi cashback rahega when we use millenia cc ?

I think no matter where you access smartbuy (via Payzapp or smartbuy portal website), it doesn't change on rewards. You can confirm with customer care if required.

 

[Hemang]

I think no matter where you access smartbuy (via Payzapp or smartbuy portal website), it doesn't change on rewards. You can confirm with customer care if required.

smartbuy hi thik hai bhai. HDFC customer care ya koi bank ke customer care se baat krne se acha hai TF community me koi to bata hi deta hai outcome kya hoga.

 

[vine]

I think no matter where you access smartbuy (via Payzapp or smartbuy portal website), it doesn't change on rewards. You can confirm with customer care if required.

This is correct.
Confirmed.