is it upgrading to Classic Banking is worth ?

[PrabhuP]

I have HDFC Salary acc with millennia Debit and credit card.

Is it worth upgrading to classic banking .
Classic debit card is better than Millennia debit card.

 

[PrabhuP]

Thanks for replying.

Primary thing is that, If i upgrade to classic banking will my Millennia Debit card and Credit card will get converted to Classic Debit/Credit card ?

what you want by upgrading account?

based on your requirement will let you know whether it is worthy or not.

ex: rm support, high interest, quick support etc.

obviously things you're not getting from current account (in your case its salary account).

 

[PrabhuP]

Easyshop debit card (same in classic, preferred, imperia) - usual fee 750 (waived off if one has savingsmax or higher product type).


Millennia debit card - usual fee 500 (waived off if one has classic or higher product type, sometimes works for savingsmax but no official).

When upgraded to classic or higher..

- you will get mail saying this person is your RM with contact details.
- netbanking shows classic or higher logos.
- also change background color

nothing else automatically converts, you have to request manually if needed anything, through RM or mail or branch visit.

Easyshop - Only useful if pay cc bills through hdf* billpay portal.

note: hdf*, au, idfc etc. some banks not available and payment usually takes 1-5 working days to credit.

max. cashback - 750 per month. (credit in 5 days max.)

Millennia - Useful if you want to purchase something online including cc bills.

max. cashback - 400 per month. (credit in 90 days)

Credit cards - never convert automatically, unlike debit cards it checks eligibility, relationship etc. several other things and not easy and sometimes classic or even imperia no impact for upgrades.

Thank you So much for detailed reply 🙂 . Much appreciated.