HDFC millennia card to Regalia LTF credit upgrade

[Santhosh]

Today I got an email related to Regalia LTF.
I have attached the screenshot.
Have below question any one help.
1. If i upgrade then will they close my millennia credit card or do i need to maintain both?
2. If they close my millennia credit card what will happen to my reward points?
3. Is it worth upgrade?

I have below cards
1. Hdfc millennia
2. Axis my zone
3. Airtel axis
4. Icici platinum

As of now i am not doing any travel.

 

[helloworld]

1. Yes
2. 100% transferred to Regalia
3. Worth it if you like travel or plan for travel, not for cashback people.

 

[SunnyM]

Don't go for the upgrade imo. Get a good travel type cc if you plan to travel in the future.

 

[Ares]

I am also getting a LTF upgrade from Moneyback+ to Regalia GOLD. Can anyone tell me is it worth it?

 

[BVCBVC is verified member.]

Today I got an email related to Regalia LTF.
I have attached the screenshot.
Have below question any one help.
1. If i upgrade then will they close my millennia credit card or do i need to maintain both?
2. If they close my millennia credit card what will happen to my reward points?
3. Is it worth upgrade?

I have below cards
1. Hdfc millennia
2. Axis my zone
3. Airtel axis
4. Icici platinum

As of now i am not doing any travel.

Regalia gold returns and benefits are travel focused mainly, doesn't suit to you if you don't travel. Millenia (Cashback card) will suit you better.

 

[SunnyM]

I am also getting a LTF upgrade from Moneyback+ to Regalia GOLD. Can anyone tell me is it worth it?

If it is LTF then 100% go for it. I have a business moneyback and I am getting Biz power upgrade but its fyf only so I am confused but in your case you should 100% go for the upgrade if indeed it is LTF.

 

[helloworld]

I am also getting a LTF upgrade from Moneyback+ to Regalia GOLD. Can anyone tell me is it worth it?

Thread 'Atlas vs Regalia Gold vs Horizon'

May 11, 2024

This is a wiki post, so anyone with appropriate permissions can edit and make required changes.

Redemption calculations are complicated, so take it for assumption purpose.

CATEGORY	ATLAS	HORIZON	REGALIA GOLD
Joining Fee	5900	3540	2950 (or FYF/LTF)
Welcome Benefit	2.5K EDGE Miles (EM) #1	5K EM	2500 Voucher if Fee Paid (Net: -450)
Annual Fee	5900	3540	2950 (or...

• helloworld
• Replies: 21
• Forum: Credit Card Comparison

• 

. . .

 

[Adith]

I am also getting a LTF upgrade from Moneyback+ to Regalia GOLD. Can anyone tell me is it worth it?

How did you get that bro? Whats your limit on MB+?

 

[Ares]

How did you get that bro? Whats your limit on MB+?

Initially I got Millenia FYF, I did not upgrade then I got Regalia GOLD FYF. When I did not take Regalia GOLD FYF so today I got a mail for LTF Regalia GOLD.
My current limit is 6.4 Lakh

 

[NOOBY]

Today I got an email related to Regalia LTF.
I have attached the screenshot.
Have below question any one help.
1. If i upgrade then will they close my millennia credit card or do i need to maintain both?
2. If they close my millennia credit card what will happen to my reward points?
3. Is it worth upgrade?

I have below cards
1. Hdfc millennia
2. Axis my zone
3. Airtel axis
4. Icici platinum

As of now i am not doing any travel.

Congratulations!

If you are CB focused (and dont use airport lounge access), then keep Millennia. If you travel (even once in quarter) and are planning to enter the miles game, then the offer is good (and will open the doors to DCB/Infinia in future as well, acc to your spends). helloworld has already replied to your questions and so, won't repeat.

Even I got the same offer on my Millennia, but FYF

Btw, can you please share:
1. existing limit
2. card age
3. card usage history
4. relationship with bank (imperia/sal acc, etc) ?

 

[sudoabhi]

I am also getting a LTF upgrade from Moneyback+ to Regalia GOLD. Can anyone tell me is it worth it?

Take it +

 

[350modena]

I am also getting a LTF upgrade from Moneyback+ to Regalia GOLD. Can anyone tell me is it worth it?

Absolutely! LTF regalia Gold.

 

[Santhosh]

Initially I got Millenia FYF, I did not upgrade then I got Regalia GOLD FYF. When I did not take Regalia GOLD FYF so today I got a mail for LTF Regalia GOLD.
My current limit is 6.4 Lakh

Did you upgraded.
What will happen to existing reward points?
Any one upgraded from milenia to regalia .
Share your experience with existing reward points.

 

[pradeep1231]

Did you upgraded.
What will happen to existing reward points?
Any one upgraded from milenia to regalia .
Share your experience with existing reward points.

You have to use all your rewards points befor upgrade otherwise all the reward points will get expire immediately.

 

[BVCBVC is verified member.]

You have to use all your rewards points befor upgrade otherwise all the reward points will get expire immediately.

Reward points will not get expired. They will be transferred to new card on some transfer ratio.

https://www.hdfcbank.com/personal/pay/cards/credit-cards/spctnc

 

[Santhosh]

Reward points will not get expired. They will be transferred to new card on some transfer ratio.

https://www.hdfcbank.com/personal/pay/cards/credit-cards/spctnc

Transfer ratio from millennia to regalia?

 

[ManojGowda]

Transfer ratio from millennia to regalia?

1:1, better to redeem millennia points before upgrade.

 

[BVCBVC is verified member.]

Transfer ratio from millennia to regalia?

Transfer Ratio Sheet.

Millenia to Regalia Gold 100% Transfer. But I suggest you redeem before transfer as you 1:1 statement credit on Millenia.

 

[BVCBVC is verified member.]

View attachment 62511
Transfer Ratio Sheet.

Millenia to Regalia Gold 100% Transfer. But I suggest you redeem before transfer as you 1:1 statement credit on Millenia.

Do it before this month end. From Aug 1st Millinea redemption is gonna cost Rs. 50+GST.

 

[Pho3nix]

Millennia => Regalia
Is it an upgrade or a downgrade?