Millennia Recieved Moneyback+ [LTF] to Millenia [LTF] card upgrade pre-approved offer through mail. Is this offer worth it?

[@cardHeist]

Adding some extra info to the title, Milenia offer is LTF, I recieved in mail without asking them. Under 45 days back I also recieved 60k to 172k LE, I took this offer and now have recieved card upgrade offer. I also have LTF tata-neu plus visa CC. Although, my total expenses on hdfc CCs were less 40k for whole last year and before expenses were even less. I also keep getting jumbo loan, personal loan offers etc. from 2 year, which I don't even take.

Is this upgrade offer worth it? millenia compared with MB+ ?

Should I reject this offer and push them for even better card with LTF offer ? [If yes, then suggest which card] [will they entertain this request]

As they are giving so many offers without asking, Maybe they will accept my big demands too

 

[Gaara]

Adding some extra info to the title, Milenia offer is LTF, I recieved in mail without asking them. Under 45 days back I also recieved 60k to 172k LE, I took this offer and now have recieved card upgrade offer. I also have LTF tata-neu plus visa CC. Although, my total expenses on hdfc CCs were less 40k for whole last year and before expenses were even less. I also keep getting jumbo loan, personal loan offers etc. from 2 year, which I don't even take.

Is this upgrade offer worth it? millenia compared with MB+ ?

Should I reject this offer and push them for even better card with LTF offer ? [If yes, then suggest which card] [will they entertain this request]

As they are giving so many offers without asking, Maybe they will accept my big demands too

Its better you take it we never know when the other upgrade will come.

 

[NOOBY]

If its unconditional LTF, take it and then try for other cards as Millennia is much better than MB+

Also, sending offers is automated and is not governed by CC/Grievance team, so if you ask for higher variants, they will check your eligibility and ask for proofs (and no LTF either).

I would suggest getting Millennia first, milk it and then ask for upgrade based on spends.

 

[@cardHeist]

If its unconditional LTF, take it and then try for other cards as Millennia is much better than MB+

Also, sending offers is automated and is not governed by CC/Grievance team, so if you ask for higher variants, they will check your eligibility and ask for proofs (and no LTF either).

I would suggest getting Millennia first, milk it and then ask for upgrade based on spends.

I guess, this might be better. Will take offer. Thanks for your opinion