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HDFC Millennia to Infinia

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bengaltiger

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Hello,

I have Axis magnus and SBI Aurum.

I am interested to upgrade my HDFC Millenia to infinity

Millenia limit is around 2L

Magnus limit is around 10L

Any possibility to get upgrade with card to card?
 
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Pramtesh said:
Send your magnus card latest statement to Chennai along with upgrade form. It's available on Bank website or just google it. Tick C4C bundle in the form.
We always misinterpreted. It's CARDS FOR CARDS. (C4C) not card to card
Click to expand...
My case is slightly different, I am having ICICI BANK PLATINUM CC WITH 2,50,000 LIMIT WHICH IS ONE YEAR OLD. BUT MY HDFC CARD LIMIT IS 50,000 SINCE A COUPLE OF YEARS. CAN I SEND MY STATEMENT OF ICICI CARD AND ASK FOR LE ON HDFC CARD. I AM USUALLY SPENDING 80% ON MY HDFC CARD SINCE LAST 3 MONTHS EARLIER MY SPENDS WERE NOT THAT MUCH. Phone banking officer gave the form you were talking about but he denied that they will not increase Credit limit card to card basis. But in the form there is option of "C4C".
 
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DrSaichand said:
My case is slightly different, I am having ICICI BANK PLATINUM CC WITH 2,50,000 LIMIT WHICH IS ONE YEAR OLD. BUT MY HDFC CARD LIMIT IS 50,000 SINCE A COUPLE OF YEARS. CAN I SEND MY STATEMENT OF ICICI CARD AND ASK FOR LE ON HDFC CARD. I AM USUALLY SPENDING 80% ON MY HDFC CARD SINCE LAST 3 MONTHS EARLIER MY SPENDS WERE NOT THAT MUCH. Phone banking officer gave the form you were talking about but he denied that they will not increase Credit limit card to card basis. But in the form there is option of "C4C".
Click to expand...
Hdfc bank will review the limit only if you give statement of these cards. Amex, Axis, hsbc, Citi, StanC.
 
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Pramtesh said:
Yes for your satisfaction u should definitely try.
I had tried with kotak. But they did not review. And in the email they specifically mentioned the names of those cards that i just wrote
Click to expand...
Alternatively, As anyway I'm trying to Invest certain amount (around12L) as FD for a period of 1.5 years in HDFC so at that time can I ask RM to consider upgradation of card by that relationship or will he mark it as lien against cc upgrade/LE for higher variant. and will they downgrade/close the card if in future I cash out the FD after tenure?
 
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DrSaichand said:
Alternatively, As anyway I'm trying to Invest certain amount (around12L) as FD for a period of 1.5 years in HDFC so at that time can I ask RM to consider upgradation of card by that relationship or will he mark it as lien against cc upgrade/LE for higher variant. and will they downgrade/close the card if in future I cash out the FD after tenure?
Click to expand...
You can opt for lien FD but at the time of
DrSaichand said:
Alternatively, As anyway I'm trying to Invest certain amount (around12L) as FD for a period of 1.5 years in HDFC so at that time can I ask RM to consider upgradation of card by that relationship or will he mark it as lien against cc upgrade/LE for higher variant. and will they downgrade/close the card if in future I cash out the FD after tenure?
Click to expand...
If you are going for 12L FD u can get Infinia. It would be lien.
But you can check with RM/BM for better option.
When you break FD card needs to be closed.
 
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Is it possible to receive a preapproved upgrade offer from HDFC Millenia directly to DCB / INFINIA ?

Or going through Millennia -> Regalia Gold -> DCB/Infinia is the only possible route?

Asking this as Regalia cards are quite underwhelming, but I do plan to upgrade to HDFC super premium cards in 2-4 years. So is it possible to directly go from Millennia to DCB / Infinia? Any real experiences are appreciated.
 
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knight said:
Is it possible to receive a preapproved upgrade offer from HDFC Millenia directly to DCB / INFINIA ?

Or going through Millennia -> Regalia Gold -> DCB/Infinia is the only possible route?

Asking this as Regalia cards are quite underwhelming, but I do plan to upgrade to HDFC super premium cards in 2-4 years. So is it possible to directly go from Millennia to DCB / Infinia? Any real experiences are appreciated.
Click to expand...
in the past i have myself got upgrade then but then tons of people received the offer and then metal infinia wasn't there. so in the present my dad's have moneyback with 2.26 lakhs something limit and only through investment i could take upgrade through RM. so it possible but then you would lose tons of point just for the hope of an upgrade. if your spend is idk 4 lakhs or more. spend on different cc. never spend on one particular cc just for the sake of upgrade/LE.
 
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vaibhav111 said:
in the past i have myself got upgrade then but then tons of people received the offer and then metal infinia wasn't there. so in the present my dad's have moneyback with 2.26 lakhs something limit and only through investment i could take upgrade through RM. so it possible but then you would lose tons of point just for the hope of an upgrade. if your spend is idk 4 lakhs or more. spend on different cc. never spend on one particular cc just for the sake of upgrade/LE.
Click to expand...
My spends vary with time.. and will increase in upcoming years as I'm approaching some life milestones.

For now, it's usually 3-6L spread over 3 cards.. (This year it was higher ~10L due to some one-time purchases)

60-80% Millenia
15-30% TataNeu Infinity,
5-10% Icici Apay (card selection based on best rewards)

Now, the reason for asking this question, I received a pre-approved upgrade to Regalia Gold FYF.. There's also a bug in mycards that shows renewal fees 0.25 Rs, which could help me get my fees waived off by arguing with Greviance/PNO, but the chances are slim.
Still, I'll have 1 year to bargain and if nothing works, I can try reverting to LTF Millenia at the end.

My last 3 HDFC Pre-approved upgrades happened every 6-10 months. MB -> MB+ -> Millennia. (Most likely triggered by salary and spend increase, I've HDFC salary account, all cards LTF)

"Currently," Millenia is a great fit for me and gives good returns via Apay GV, etc on ~50-60% of my spends. ( I'd have to replace this with SBI CB (Apay GV) or Tneu (utilities) if I upgrade to Regalia.)

But with time, my spends will increase and diversify and Millenia CB capping has started to become an issue, thus the willingness to move up. (And in the long run ~3-4 years, Inifnia or similar cards might start making more sense for me)

** That's why I'm trying to judge if upgrading to Regalia Gold, arguing with HDFC on the mycards fees glitch, and shifting my spends to other cards is worth the hassle.. or should I just stick to peaceful cashback cards. **


I'd also appreciate your opinion on this.
@4uziaul @Chaitanya-a @ashwink @VISHESH_BANSAL @xywowowvw @D₹V @jack333 @Walter White @plastikman @vaibhav111
 
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knight said:
My spends vary with time.. and will increase in upcoming years as I'm approaching some life milestones.

For now, it's usually 3-6L spread over 3 cards.. (This year it was higher ~10L due to some one-time purchases)

60-80% Millenia
15-30% TataNeu Infinity,
5-10% Icici Apay (card selection based on best rewards)

Now, the reason for asking this question, I received a pre-approved upgrade to Regalia Gold FYF.. There's also a bug in mycards that shows renewal fees 0.25 Rs, which could help me get my fees waived off by arguing with Greviance/PNO, but the chances are slim.
Still, I'll have 1 year to bargain and if nothing works, I can try reverting to LTF Millenia at the end.

My last 3 HDFC Pre-approved upgrades happened every 6-10 months. MB -> MB+ -> Millennia. (Most likely triggered by salary and spend increase, I've HDFC salary account, all cards LTF)

"Currently," Millenia is a great fit for me and gives good returns via Apay GV, etc on ~50-60% of my spends. ( I'd have to replace this with SBI CB (Apay GV) or Tneu (utilities) if I upgrade to Regalia.)

But with time, my spends will increase and diversify and Millenia CB capping has started to become an issue, thus the willingness to move up. (And in the long run ~3-4 years, Inifnia or similar cards might start making more sense for me)

** That's why I'm trying to judge if upgrading to Regalia Gold, arguing with HDFC on the mycards fees glitch, and shifting my spends to other cards is worth the hassle.. or should I just stick to peaceful cashback cards. **


I'd also appreciate your opinion on this.
@4uziaul @Chaitanya-a @ashwink @VISHESH_BANSAL @xywowowvw @D₹V @jack333 @Walter White @plastikman @vaibhav111
Click to expand...
IMO you shouldn't upgrade. Maybe once you deny the offer you might get better offer (as we saw one guy got big LE because he didn't accept 10-20k LE but it's all risky).

Or even if you consider upgrade, take SBI cashback card first as backup (5k cap, isn't it better than millennia?). Then proceed to regalia gold. And for mycards bug, create a screen recording 🎥 too, instead of screenshot only 😉. Your increasing spends are also the reason to upgrade you card.

Hope it helps in decisioning your card.
 
Last edited:
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D₹V said:
IMO you shouldn't upgrade. Maybe once you deny the offer you might get better offer (as we saw one guy got big LE because he didn't accept 10-20k LE but it's all risky).

Or even if you consider upgrade, take SBI cashback card first as backup (5k cap, isn't it better than millennia?). Then proceed to regalia gold. And for mycards bug, create a screen recording 🎥 too, instead of screenshot only 😉. Your increasing spends are also the reason to upgrade you card.

Hope it helps in decisioning your card.
Click to expand...
Mycards bug would most likely resolve in 3-4 days, as someone already posted it on twitter and tagged HDFC..

So if I am to risk taking it with glitch recording, I'd have to do it in 1-2 days max. (and later worry about SBI Cb backup)

PS, I already made a recording yesterday until the last step, just haven't clicked on the final Upgrade button.
 
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knight said:
Mycards bug would most likely resolve in 3-4 days, as someone already posted it on twitter and tagged HDFC..

So if I am to risk taking it with glitch recording, I'd have to do it in 1-2 days max. (and later worry about SBI Cb backup)

PS, I already made a recording yesterday until the last step, just haven't clicked on the final Upgrade button.
Click to expand...
Yes, bugs might be fixed. They might deny.

But as you said your spends are increasing, you can consider gold seeing rewards points & other benefits (which I haven't researched).

Even if you do 2-3L spend, you can ask on priority email to make it LTF. They might do it 👋 as they did with Tata Neu, Millennia & other cards.
 
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knight said:
My spends vary with time.. and will increase in upcoming years as I'm approaching some life milestones.

For now, it's usually 3-6L spread over 3 cards.. (This year it was higher ~10L due to some one-time purchases)

60-80% Millenia
15-30% TataNeu Infinity,
5-10% Icici Apay (card selection based on best rewards)

Now, the reason for asking this question, I received a pre-approved upgrade to Regalia Gold FYF.. There's also a bug in mycards that shows renewal fees 0.25 Rs, which could help me get my fees waived off by arguing with Greviance/PNO, but the chances are slim.
Still, I'll have 1 year to bargain and if nothing works, I can try reverting to LTF Millenia at the end.

My last 3 HDFC Pre-approved upgrades happened every 6-10 months. MB -> MB+ -> Millennia. (Most likely triggered by salary and spend increase, I've HDFC salary account, all cards LTF)

"Currently," Millenia is a great fit for me and gives good returns via Apay GV, etc on ~50-60% of my spends. ( I'd have to replace this with SBI CB (Apay GV) or Tneu (utilities) if I upgrade to Regalia.)

But with time, my spends will increase and diversify and Millenia CB capping has started to become an issue, thus the willingness to move up. (And in the long run ~3-4 years, Inifnia or similar cards might start making more sense for me)

** That's why I'm trying to judge if upgrading to Regalia Gold, arguing with HDFC on the mycards fees glitch, and shifting my spends to other cards is worth the hassle.. or should I just stick to peaceful cashback cards. **


I'd also appreciate your opinion on this.
@4uziaul @Chaitanya-a @ashwink @VISHESH_BANSAL @xywowowvw @D₹V @jack333 @Walter White @plastikman @vaibhav111
Click to expand...
You mentioned you have just 3 credit cards, all of which are LTF. Where did you do spend at? If it's online, then Amex Plat Travel can be good up to 4 lakhs. If not, MRCC is good up to 1.50 lakhs. But then, you could already know all this. I checked Millenia Reward, and it offers 5% cashback, just like SBI CB. I'm not sure about the capping, though.

Regarding upgrades, I never let go of any LE or upgrade, but with HDFC, I stuck with MoneyBack for 6-7 years because I had no idea about upgrades. So, I can't comment on when the next upgrade offer would show up.

As for the glitch, there's no point in wasting time with HDFC for fee renewal because yours would be FYF.

Regarding sticking with cashback even with Infinia received in 2021, I was still using Cashback because you get statement credit on the statement, and there's no need to check what the next reward you need to hit is. Now, all my spend first goes toward Infinia. It takes time sometimes,I spend on buying Amazon Pay vouchers and paying the 2.5% convenience fee charged.
 
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knight said:
My spends vary with time.. and will increase in upcoming years as I'm approaching some life milestones.

For now, it's usually 3-6L spread over 3 cards.. (This year it was higher ~10L due to some one-time purchases)

60-80% Millenia
15-30% TataNeu Infinity,
5-10% Icici Apay (card selection based on best rewards)

Now, the reason for asking this question, I received a pre-approved upgrade to Regalia Gold FYF.. There's also a bug in mycards that shows renewal fees 0.25 Rs, which could help me get my fees waived off by arguing with Greviance/PNO, but the chances are slim.
Still, I'll have 1 year to bargain and if nothing works, I can try reverting to LTF Millenia at the end.

My last 3 HDFC Pre-approved upgrades happened every 6-10 months. MB -> MB+ -> Millennia. (Most likely triggered by salary and spend increase, I've HDFC salary account, all cards LTF)

"Currently," Millenia is a great fit for me and gives good returns via Apay GV, etc on ~50-60% of my spends. ( I'd have to replace this with SBI CB (Apay GV) or Tneu (utilities) if I upgrade to Regalia.)

But with time, my spends will increase and diversify and Millenia CB capping has started to become an issue, thus the willingness to move up. (And in the long run ~3-4 years, Inifnia or similar cards might start making more sense for me)

** That's why I'm trying to judge if upgrading to Regalia Gold, arguing with HDFC on the mycards fees glitch, and shifting my spends to other cards is worth the hassle.. or should I just stick to peaceful cashback cards. **


I'd also appreciate your opinion on this.
@4uziaul @Chaitanya-a @ashwink @VISHESH_BANSAL @xywowowvw @D₹V @jack333 @Walter White @plastikman @vaibhav111
Click to expand...
Frankly, RG is a pointless card with only one benefit that is 12 lounge access even using PP. Even your addon card holder can get a PP but they can't be swiped together. It's lounge access catalogue is as expansive as Infinia. Reward rate is dismal unless you use, Myntra, nykaa, Reliance Digital etc.

If I were you I would stick to Millenia unless you can further climb your way to DCB within the 1st free year.
 
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If the more experienced members can explain who is Infinia most suitable for?

From my limited understanding, only those is the air miles/flight or hotel booking via smartbuy game seem to be the best beneficiary because of 1:1 conversion? Redeeming points for gift vouchers/cashback doesnt seem much rewarding as compared to normal cashback cards?
 
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