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MoneyBack plus to Millenia Upgrade but with condition

sparkit

TF Premier
Contributor
VIP Lounge
Hi,
I contacted HDFC CC team to upgrade my MoneyBack card to Millenia. Today I received with the below email.
We take this opportunity to inform you that, the credit cards are offered, basis usage and payment pattern on the card account. We have reviewed your request and we wish to clarify that, As on date we were not in receipt of complete payment towards your card statement dues. In this regards, we request you to share the acceptance of 100% Autopayment facility from you HDFC bank current/ savings account debited your credit dues monthly basis. Post confirmation we can review your upgrade request subject to internal checks.



Having said above, Auto Debit is a facility by which you can provide standing instructions to pay Total amount due (TAD) of your outstanding bills every month from your HDFC Bank Savings Account/current account. TAD as opted by you would be credited to your card account on the payment due date and will be claimed from your nominated savings/current bank account.

Does this mean I have pay my total outstanding from my MoneyBack card to proceed the application?
 
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Do Anyone knows what this 25% is? I am getting upgrade offer from MoneyBack Plus (LTF) to Millenia (Paid). I am holding MB+ from last 2 years and have a limit of approx 82k.
Means if you have 100 reward points it will become 25 reward points in millenia.

Rupee point of view both are same. i.e., 100*0.25 in MB+ is same as 25*1 in millenia.
 
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