HDFC Upgrade offer from Millennia LTF to Regalia Gold FYF

[maheshspanicker]

I've been using HDFC Millennia for more than 3 years and the card is LTF. The bank repeatedly offered me Regalia FYF upgrade and I never took it. Now they are offering Regalia Gold FYF upgrade. iWhat way would Regalia Gold be superior to Millannia? I have other cards providing decent number of domestic lounge access... Any other worthwhile reason to consider at least trying to see if I can get this LTF? And what would be the chances of the same?

 

[Deleted member 13721]

I've been using HDFC Millennia for more than 3 years and the card is LTF. The bank repeatedly offered me Regalia FYF upgrade and I never took it. Now they are offering Regalia Gold FYF upgrade. iWhat way would Regalia Gold be superior to Millannia? I have other cards providing decent number of domestic lounge access... Any other worthwhile reason to consider at least trying to see if I can get this LTF? And what would be the chances of the same?

Chances are pretty slim they will offer you a LTF Regalia, but you can always try by emailing them at grievance.redressalcc@hdfcbank.com

Also you can check few YouTube videos about Regalia Gold. In my opinion, stick to Millenia, much better card compared to Regalia and you only said you have other cards which gives you access to domestic lounge.

 

[nadeem]

Chances are pretty slim they will offer you a LTF Regalia, but you can always try by emailing them at grievance.redressalcc@hdfcbank.com

Also you can check few YouTube videos about Regalia Gold. In my opinion, stick to Millenia, much better card compared to Regalia and you only said you have other cards which gives you access to domestic lounge.

True, stick to Millenia. I'm regretting already

 

[maheshspanicker]

Yes. Regalia Gold seems an over-rated card for the fees charged. The list of lounges seem to be the only really important thing in which it is better than Millennia. If one has cards covering the same, Millennia any day I suppose.

 

[chillalsumit]

Thanks all for this thread. I will be with Millenia only. Not going to upgrade for Regalia Gold.
I want only upgrade to Infinia card 😅

 

[MrRobotx]

Most of my annual spending is from online shipping. Reward points on gold are only beneficial for flight bookings. I am assuming exclusive gold catalogue product prices must be super inflated. Can anyone tell if they are using regalia gold and its benefit.

 

[vaibhav111vaibhav111 is verified member.]

Most of my annual spending is from online shipping. Reward points on gold are only beneficial for flight bookings. I am assuming exclusive gold catalogue product prices must be super inflated. Can anyone tell if they are using regalia gold and its benefit.

it FYF? did you check the benefit through the mail you have received, vs the existing card does it offer more point on the spend it seems millennia seem better for you cause you ain't sure if it worthy to upgrade.

 

[MrRobotx]

it FYF? did you check the benefit through the mail you have received, vs the existing card does it offer more point on the spend it seems millennia seem better for you cause you ain't sure if it worthy to upgrade.

Yes, it is FYF, even though regalia gold is marketed as premium CC I don't think it is super rewarding in comparison to millennia. Also, I can't see gold catalogue product prices hence the confusion.

 

[vaibhav111vaibhav111 is verified member.]

Yes, it is FYF, even though regalia gold is marketed as premium CC I don't think it is super rewarding in comparison to millennia. Also, I can't see gold catalogue product prices hence the confusion.

i hold infinia and my friend hold regalia so i had login in his account to see what his reward at! both cc using same portal to redeem which is smartbuy, https://offers.reward360.in/regaliagold/rewards for regalia gold.

 

[PrateekAgarwal]

Regalia Gold I am using since June 2023. You get high quality lounge access in Tier 2 cities as well. I got lounge access at Dehradun airport, even on Kolkata International Airport. From that perspective, its really good. Spending on Smartbuy for higher reward points comes at a premium, like booking train or flight tickets, you end up paying a little extra towards platform charges.

 

[SonyTom]

If looking for reward points and lounge access- Regalia gold
If looking for Cashback- Millennia Also if Millennia is LTF dont move to Regalia gold as its just FYF.

 

[hellowo₹ld]

depends on your other cards, and redemption preferences.

 

[shake-all-Sphere]

Given that most of your spending is on online shopping and the Regalia Gold's reward points are more beneficial for flight bookings, it might be worth considering whether the exclusive catalogue offers items that interest you and if the prices seem reasonable compared to your other options. If the catalogue doesn’t align with your preferences or offers inflated prices, you might explore alternative redemption options or consider upgrading to a card that better aligns with your spending patterns and rewards preferences. Ultimately, the decision should be based on how well the features and benefits of the Regalia Gold card align with your lifestyle and spending habits. If the Regalia card's benefits, especially in terms of travel perks, higher tier rewards, and lifestyle privileges, cater better to your needs compared to the Millennia card's benefits, then the upgrade might be worth considering.

 

[MrRobotx]

This is a late reply, thank you all for your suggestions, but after a bit of research, I am sticking to millennia only for now, each redemption on flight/hotel booking through smart buy using Regalia attracts INR 99+gst, which is another drawback for me. Also if I spend INR 290 I will get only 20 reward points =10 Rs (for flight/hotel redemption). I won't get partial reward points. The difference comes if I spend thousands for each transaction which is less likely for me as I have low-value transactions more.