HDFC Millenia vs Regilia Gold vs DCP

[r1sha6h]

I am being offered HDFC DCP vs Millenia Vs Regilia Gold LTF. Which among the following would you suggest to go for ?

 

[shrewdoc]

Reward Points & Lounges: Regalia Gold
Statement Cashback: Millennia

Choose your category and proceed accordingly.

 

[NShah]

I am being offered HDFC Regilia vs Millenia Vs Regilia Gold LTF. Which among the following would you suggest to go for ?

Depend upon ur spending pattern

 

[Shubham Yadav]

I am being offered HDFC Regilia vs Millenia Vs Regilia Gold LTF. Which among the following would you suggest to go for ?

Show Screenshot

Kahi aisa na ho ki HDFC k lucky you k trap mai na fas jao

Savdhan raho satark raho

 

[NShah]

Show Screenshot

Kahi aisa na ho ki HDFC k lucky you k trap mai na fas jao

Savdhan raho satark raho

Ye lucky you hi lag raha hai 😂

 

[rsivva]

I guess hdfc cards are ltf for few companies

 

[r1sha6h]

Show Screenshot

Kahi aisa na ho ki HDFC k lucky you k trap mai na fas jao

Savdhan raho satark raho

I got contacted by agent and their senior representative. Sounded geniune. I even tried my luck to ask DCB Metal LTF under Alumni offer. But they said the best we can do is DCP. (Agar kuch scam hota they probably would have agreed). Even asked for confiemation mail from HDFC ID confirming LTF. They obliged and said once you decide the variant. We can resend the mail with variant name. I am sending you the screenshots. Agar lucky you ka trap ho bacha lena 🙏

 

[r1sha6h]

I got contacted by agent and their senior representative. Sounded geniune. I even tried my luck to ask DCB Metal LTF under Alumni offer. But they said the best we can do is DCP. (Agar kuch scam hota they probably would have agreed). Even asked for confiemation mail from HDFC ID confirming LTF. They obliged and said once you decide the variant. We can resend the mail with variant name. I am sending you the screenshots. Agar lucky you ka trap ho bacha lena 🙏

Also sharing screenshots of conversation.

 

[Shubham Yadav]

I got contacted by agent and their senior representative. Sounded geniune. I even tried my luck to ask DCB Metal LTF under Alumni offer. But they said the best we can do is DCP. (Agar kuch scam hota they probably would have agreed). Even asked for confiemation mail from HDFC ID confirming LTF. They obliged and said once you decide the variant. We can resend the mail with variant name. I am sending you the screenshots. Agar lucky you ka trap ho bacha lena 🙏

Are you HDFC saving account holder ?

If yes which variant

 

[r1sha6h]

Also sharing screenshots of conversation.

Are you HDFC saving account holder ?

If yes which variant

No relationship with HDFC whatsover

 

[Shubham Yadav]

No relationship with HDFC whatsover

First tell

Which card is in your mind ?

 

[r1sha6h]

Thats what I was confused.
I dont travel much. Will take couple of vacations per year. Mostly in India. So at max 4 flights per year.
These are the scenarios I will be using credit card for :
1. HDFC offers on Amazon/Flipkart
2. Domestic Lounge for me and my spouse
3. Online/Offline shopping. Around 30k per year. (Only apparels).Occasional Appliances/Devices also around 40k
4. Book my show BOGO. I watch around 2 movie/event per month with my spouse
5. I spend around 10k per month on dining out.
6. I am currently paying bills from Airtel Axis.

 

[r1sha6h]

First tell

Which card is in your mind ?

My current credit card mix is :
Amazon ICICI (LTF)
ICICI dual Sappiro MC + AMEX (LTF)
Indusind Legend (LTF)
IDFC (LTF) (Useless)
Airtel Axis (Paid)
Airtel Flipkart (LTF)

 

[knight]

My current credit card mix is :
Amazon ICICI (LTF)
ICICI dual Sappiro MC + AMEX (LTF)
Indusind Legend (LTF)
IDFC (LTF) (Useless)
Airtel Axis (Paid)
Airtel Flipkart (LTF)

Since you already have Amz ICICI and Flipkart axis, Millennia doesn't add a lot of value.
Also, you said Axis Airtel is already fulfilling your utility needs.. So you don't really need AmazonGV.

In this case, Regalia gold seems a decent fit. Since you don't plan to extract the core 5% cashback benefit from millennia.

The choice between Millennia and Regalia Gold is simply - 5% cb on select merchants vs lounge access.

 

[satraghav]

I got contacted by agent and their senior representative. Sounded geniune. I even tried my luck to ask DCB Metal LTF under Alumni offer. But they said the best we can do is DCP. (Agar kuch scam hota they probably would have agreed). Even asked for confiemation mail from HDFC ID confirming LTF. They obliged and said once you decide the variant. We can resend the mail with variant name. I am sending you the screenshots. Agar lucky you ka trap ho bacha lena 🙏

Check the Sender email ID before you proceed further @r1sha6h

 

[r1sha6h]

Check the Sender email ID before you proceed further @r1sha6h

It was from @hdfc.com. If anything goes south will it be valid proof ?

 

[Shubham Yadav]

It was from @hdfc.com. If anything goes south will it be valid proof ?

Decide any card yet ?

 

[r1sha6h]

Decide any card yet ?

Still confused between Regalia gold vs Millenia. DCP is out of the box.

 

[Shubham Yadav]

Still confused between Regalia gold vs Millenia. DCP is out of the box.

Look to get regalia gold that too ltf sounds likes a suspicious things because its not easy to newly launched card although very few people manage to get ltf

so double check

 

[redcarpet]

Still confused between Regalia gold vs Millenia. DCP is out of the box.

What card u are going to give for c2c and what is its limit and age