Need advice on getting the HDFC Millennia Credit Card (LTF Offer)

[yuvi004]

Hi all,

This is my first post here, after being a silent reader for almost a year. I want to take a moment to thank the Technofino community for all the valuable guidance shared over time – it has been incredibly helpful!

I’m seeking some advice regarding getting the HDFC Millennia Credit Card for my mother. Here’s the situation:

My mother is a government salaried doctor earning ₹150,000 per month. She currently holds the HDFC MoneyBack Plus Credit Card with a limit of ₹42,000, which was increased from ₹35,000 to ₹42,000 in December 2023. I recently came across the HDFC Millennia Credit Card with a Lifetime Free (LTF) offer on their website (valid till Jan 16, 2025), and I'm interested in getting it for her.

From my research and reading several threads here, my initial plan was to close the existing card and apply for the Millennia card after opening a new bank account with HDFC. However, the person who visited our home for the bank account opening insists that we should not close the current credit card. Instead, he suggests applying for an upgrade by providing salary payslips. I tried this approach earlier in March 2024, but the application was rejected due to internal policies.

Given this, I’m now looking for suggestions on how to proceed. I really want to get the HDFC Millennia Credit Card on the LTF offer, and I’m unsure whether I should follow the RM's suggestion or stick to my original plan.

Any advice or insights from those who’ve gone through a similar process would be greatly appreciated!

Thanks in advance!

 

[Rohith-2009]

Hi all,

This is my first post here, after being a silent reader for almost a year. I want to take a moment to thank the Technofino community for all the valuable guidance shared over time – it has been incredibly helpful!

I’m seeking some advice regarding getting the HDFC Millennia Credit Card for my mother. Here’s the situation:

My mother is a government salaried doctor earning ₹150,000 per month. She currently holds the HDFC MoneyBack Plus Credit Card with a limit of ₹42,000, which was increased from ₹35,000 to ₹42,000 in December 2023. I recently came across the HDFC Millennia Credit Card with a Lifetime Free (LTF) offer on their website (valid till Jan 16, 2025), and I'm interested in getting it for her.

From my research and reading several threads here, my initial plan was to close the existing card and apply for the Millennia card after opening a new bank account with HDFC. However, the person who visited our home for the bank account opening insists that we should not close the current credit card. Instead, he suggests applying for an upgrade by providing salary payslips. I tried this approach earlier in March 2024, but the application was rejected due to internal policies.

Given this, I’m now looking for suggestions on how to proceed. I really want to get the HDFC Millennia Credit Card on the LTF offer, and I’m unsure whether I should follow the RM's suggestion or stick to my original plan.

Any advice or insights from those who’ve gone through a similar process would be greatly appreciated!

Thanks in advance!

Upgrades will be first year free only. So better close moneyback plus and apply

 

[Hope]

Max age limit for millennia is 40y, so look at this before closing moneyback

 

[vijay.vj]

2 options.

1. Close the card. Wait for a week or two and apply. You should be able to get Regalia gold also LTF.
2. Escalate like crazy with PNO, may take months back and forth. Uncertain of the result.

 

[Sahil_07]

Hi all,

This is my first post here, after being a silent reader for almost a year. I want to take a moment to thank the Technofino community for all the valuable guidance shared over time – it has been incredibly helpful!

I’m seeking some advice regarding getting the HDFC Millennia Credit Card for my mother. Here’s the situation:

My mother is a government salaried doctor earning ₹150,000 per month. She currently holds the HDFC MoneyBack Plus Credit Card with a limit of ₹42,000, which was increased from ₹35,000 to ₹42,000 in December 2023. I recently came across the HDFC Millennia Credit Card with a Lifetime Free (LTF) offer on their website (valid till Jan 16, 2025), and I'm interested in getting it for her.

From my research and reading several threads here, my initial plan was to close the existing card and apply for the Millennia card after opening a new bank account with HDFC. However, the person who visited our home for the bank account opening insists that we should not close the current credit card. Instead, he suggests applying for an upgrade by providing salary payslips. I tried this approach earlier in March 2024, but the application was rejected due to internal policies.

Given this, I’m now looking for suggestions on how to proceed. I really want to get the HDFC Millennia Credit Card on the LTF offer, and I’m unsure whether I should follow the RM's suggestion or stick to my original plan.

Any advice or insights from those who’ve gone through a similar process would be greatly appreciated!

Thanks in advance!

Close the card and apply Milennia
If cibil score is good,then they will give a good limit.

Alternatively you can increase your credit limit by giving salary slips and upgrade to milenia,but in this way you will get only FYF not LTF

 

[yuvi004]

Thank you all for your suggestions. Since the current card is not really useful, I’ll go ahead and close it, then apply for the Millennia card. Hoping for the best!

Upgrades will be first year free only. So better close moneyback plus and apply

2 options.

1. Close the card. Wait for a week or two and apply. You should be able to get Regalia gold also LTF.
2. Escalate like crazy with PNO, may take months back and forth. Uncertain of the result.

Close the card and apply Milennia
If cibil score is good,then they will give a good limit.

Alternatively you can increase your credit limit by giving salary slips and upgrade to milenia,but in this way you will get only FYF not LTF

 

[yuvi004]

Max age limit for millennia is 40y, so look at this before closing moneyback

Thanks for pointing out the age limit for the Millennia card. My mother is 46, so I’m hoping HDFC will make an exception in her case. Let’s see how it goes.

 

[vijay.vj]

Thanks for pointing out the age limit for the Millennia card. My mother is 46, so I’m hoping HDFC will make an exception in her case. Let’s see how it goes.

Whats so special about Millennia now... Swiggy card is also pretty much offers same + more. Or try SBI CB and then try to get it LTF after an year or so

 

[6ix9ine]

Whats so special about Millennia now... Swiggy card is also pretty much offers same + more. Or try SBI CB and then try to get it LTF after an year or so

Swiggy has mcc issues, millennia doesn't.

Swiggy doesn't work for HDFC sales, millennia does.

Swiggy is not core card, millennia is

I can write many more. Millennia LTF is great to have.

 

[vijay.vj]

Swiggy has mcc issues, millennia doesn't.

Swiggy doesn't work for HDFC sales, millennia does.

Swiggy is not core card, millennia is

I can write many more. Millennia LTF is great to have.

I read a post claiming Swiggy and TNI are core cards going forward... They will work for sales also.

Issue Resolved Thread 'HDFC Swiggy & Tata Neu will be considered core cards from January 2025.'

Friday at 10:15 PM

Saw this mail reply from HDFC that from January 2025 HDFC Swiggy & HDFC Tata Neu will be considered as core cards which means that during the sales customers will get the instant discounts on these cards as well. So good for those who have already got the Swiggy & Tata Neu cards in their armoury.

HDFC has changed their internal policies and they have come up with one card policy wrt core card and multiple co-branded cards.

Note: News is not 100% confirmed so verification regarding this is required if it is true or not.

• Humanbeing
• cards hdfc hdfc swiggy neu swiggy tata tata neu
• Replies: 53
• Forum: HDFC Bank Credit Card

• 
• 
• 

 

[6ix9ine]

I read a post claiming Swiggy and TNI are core cards going forward... They will work for sales also.

Issue Resolved Thread 'HDFC Swiggy & Tata Neu will be considered core cards from January 2025.'

Friday at 10:15 PM

Saw this mail reply from HDFC that from January 2025 HDFC Swiggy & HDFC Tata Neu will be considered as core cards which means that during the sales customers will get the instant discounts on these cards as well. So good for those who have already got the Swiggy & Tata Neu cards in their armoury.

HDFC has changed their internal policies and they have come up with one card policy wrt core card and multiple co-branded cards.

Note: News is not 100% confirmed so verification regarding this is required if it is true or not.

• Humanbeing
• cards hdfc hdfc swiggy neu swiggy tata tata neu
• Replies: 53
• Forum: HDFC Bank Credit Card

• 
• 
• 

Just read that as well, that's good to see. Main issue of swiggy is with the mcc, especially amazon. Hope that news is true.

 

[Rohith-2009]

Swiggy has mcc issues, millennia doesn't.

Swiggy doesn't work for HDFC sales, millennia does.

Swiggy is not core card, millennia is

I can write many more. Millennia LTF is great to have.

I'm happy. I have both Millenia and Swiggy. I converted my millenia to LTF yesterday and got Swiggy LTF before a few days.

 

[6ix9ine]

I'm happy. I have both Millenia and Swiggy. I converted my millenia to LTF yesterday and got Swiggy LTF before a few days.

Indeed, you have best combo

 

[Sahil_07]

I'm happy. I have both Millenia and Swiggy. I converted my millenia to LTF yesterday and got Swiggy LTF before a few days.

After how many days of usage they converted it to ltf?

 

[yuvi004]

Whats so special about Millennia now... Swiggy card is also pretty much offers same + more. Or try SBI CB and then try to get it LTF after an year or so

1. The Millennia card also offers ₹1,000 quarterly milestone benefits, and the 1% cashback includes jewellery purchases as well. I’ve also heard that the Swiggy card doesn’t work for instant discount offers.
   
   
2. I already tried applying for the SBI Cashback card but was given the SimplyClick card with just a ₹30,000 limit, even though there’s a salary account with them. The customer service experience wasn’t great—when I visited the branch, the BM said the credit card department is outsourced and they don’t handle card-related issues. I ended up closing the card after they rejected my requests for LTF and an upgrade.

 

[Ak Singh]

So it means if a person age is above 40 years.
They can't get millennia in pre approved offer?
But why?
Hdfc should change age t&c for millennia.

 

[Avatar Aang]

IMO with 1.5L salary OP should aim for Regalia Gold LTF.

HDFC is weird, my non working wife got Moneyback+ LTF with 70K limit. After few months they offered LE to 1.25L and also gave Millennia upgrade that too without asking.

 

[Rohith-2009]

After how many days of usage they converted it to ltf?

1 + year. I think it depends on cc executive you speak to. If he take the request, it'll be converted mostly

 

[Sahil_07]

1 + year. I think it depends on cc executive you speak to. If he take the request, it'll be converted mostly

Via email right?

 

[Rohith-2009]

No, I called Customer care for another query and requested him to convert it to ltf