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HDFC Millennia LTF

Same for me my mom got melinia LTF even though she is pensioner am struggling even to get 🙁

same for me. I had upgradation offer to Millennia for my HDFC IOCL card. but it's not LTF. So not upgraded. As paid Millennia is useless for me as already holding Axis Ace, SBI Cashback. And my wife has LTF Millennia.
No wonder why other banks are leaving HDFC Bank behind in almost everything. They don't have a single MOAT now.
 
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