Millennia Need Help for LTF! Upgraded my Neu Plus FYF to Millenia FYF

[saitama]

To give some context: I’ve been using the Tata Neu Plus card (FYF) for the past 1.5 years. Recently, I emailed HDFC to upgrade my Plus card to Millennia or Regalia Gold 🙂P). Initially, they declined, but after some back-and-forth discussions, they agreed to upgrade it to Millenia FYF. I even tried escalating for LTF, but it didn’t work out.

I decided to take the FYF offer since I also have the Swiggy HDFC card and didn’t want to close both Plus & Swiggy just to get the Millennia. The Neu Plus credit limit while applying for Millennia was ₹1.67 lakh, which was shared with the Swiggy HDFC card. However, after the upgrade to Millenia, the total limit has now increased to ₹2 lakh.

The upgrade process itself was super quick and smooth. A CIBIL hit happened on 28th November, and by 29th November, I already had the Millennia card delivered to my home.

Now, here’s where I need some advice:
Most of my major expenses are online, but I don’t usually shop with the partner merchants that Millennia gives 5% cash back on. For utility bill payments, I can use Amazon gift cards to still get the 5% cashback which is around 10k a month. However, I’m looking for more ways to reach the milestone faster or find any hacks to make Millenia LTF.

Would love to hear your suggestions!

 

[aniketkr.sharma]

To give some context: I’ve been using the Tata Neu Plus card (FYF) for the past 1.5 years. Recently, I emailed HDFC to upgrade my Plus card to Millennia or Regalia Gold 🙂P). Initially, they declined, but after some back-and-forth discussions, they agreed to upgrade it to Millenia FYF. I even tried escalating for LTF, but it didn’t work out.

I decided to take the FYF offer since I also have the Swiggy HDFC card and didn’t want to close both Plus & Swiggy just to get the Millennia. The Neu Plus credit limit while applying for Millennia was ₹1.67 lakh, which was shared with the Swiggy HDFC card. However, after the upgrade to Millenia, the total limit has now increased to ₹2 lakh.

The upgrade process itself was super quick and smooth. A CIBIL hit happened on 28th November, and by 29th November, I already had the Millennia card delivered to my home.

Now, here’s where I need some advice:
Most of my major expenses are online, but I don’t usually shop with the partner merchants that Millennia gives 5% cash back on. For utility bill payments, I can use Amazon gift cards to still get the 5% cashback which is around 10k a month. However, I’m looking for more ways to reach the milestone faster or find any hacks to make Millenia LTF.

Would love to hear your suggestions!

Only spends can let you achieve it, more than one lakh in one month let me grab it ltf, but it was last year, as they are increasing criteria this year, so can't say the amount.