Hello Community!
I recently got rejected for an LTF upgrade to HDFC Millennia from HDFC Moneyback+ (LTF).
Let's start with some background.
I currently hold 4 cards:
HDFC Moneyback+ (3,00,000 limit, holding since last 1 year)
HDFC Rupay Credit Card (shared limit with Moneyback+, holding less than 1 year)
HDFC Pixel credit card (visa+rupay, holding since last 6 months) (transferred limit of 30,000)
Amazon Pay ICICI credit card (3,00,000 limit, recently acquired)
All the cards are LTF.
I hold a salary account eith HDFC for the past 2.5 years, and recently got upgraded to HDFC classic banking program (though this happened after the ltf upgrade rejection. But i don't think it would've given me any advantage).
My total spends for the last year on Moneyback+ card alone is 2.5lakh.
Recently I got an upgrade offer to Millennia, but it is FYF only.
I reached out to grievance redressal, and escalated all the way up to PNO, but they all rejected to give an upgrade offer as LTF Millennia, saying the bank policy only allows upgrade to be only FYF and not LTF.
I called the RM and checked, and he straight away said they don't offer LTF upgrades, and to close the card and reapply after few months and he said I would probably get a DCB.
What is infuriating is that HDFC was offering Millennia as LTF for new applications for some days in January! I mentioned this, plus the fact that Amazon pay card is giving better rewards in the grievance mail but nope. They are hell bent on not converting it to LTF upgrade.
Right now, I'm in a dilemma. Should I go for the upgrade now to FYF Millennia, and try to get it converted to LTF after few months (do they even do that anymore?)? Or will I get an LTF upgrade to Millennia if I keep waiting for a while longer?
I do not really want to lose an LTF card, but the 5% CB on Millennia seems pretty good.
I feel like I would be able to hit the 1,00,000 waiver criteria but I don't want to be spending money just to hit that. I care more about the peace that comes with LTF.
Please share your suggestions!
I recently got rejected for an LTF upgrade to HDFC Millennia from HDFC Moneyback+ (LTF).
Let's start with some background.
I currently hold 4 cards:
HDFC Moneyback+ (3,00,000 limit, holding since last 1 year)
HDFC Rupay Credit Card (shared limit with Moneyback+, holding less than 1 year)
HDFC Pixel credit card (visa+rupay, holding since last 6 months) (transferred limit of 30,000)
Amazon Pay ICICI credit card (3,00,000 limit, recently acquired)
All the cards are LTF.
I hold a salary account eith HDFC for the past 2.5 years, and recently got upgraded to HDFC classic banking program (though this happened after the ltf upgrade rejection. But i don't think it would've given me any advantage).
My total spends for the last year on Moneyback+ card alone is 2.5lakh.
Recently I got an upgrade offer to Millennia, but it is FYF only.
I reached out to grievance redressal, and escalated all the way up to PNO, but they all rejected to give an upgrade offer as LTF Millennia, saying the bank policy only allows upgrade to be only FYF and not LTF.
I called the RM and checked, and he straight away said they don't offer LTF upgrades, and to close the card and reapply after few months and he said I would probably get a DCB.
What is infuriating is that HDFC was offering Millennia as LTF for new applications for some days in January! I mentioned this, plus the fact that Amazon pay card is giving better rewards in the grievance mail but nope. They are hell bent on not converting it to LTF upgrade.
Right now, I'm in a dilemma. Should I go for the upgrade now to FYF Millennia, and try to get it converted to LTF after few months (do they even do that anymore?)? Or will I get an LTF upgrade to Millennia if I keep waiting for a while longer?
I do not really want to lose an LTF card, but the 5% CB on Millennia seems pretty good.
I feel like I would be able to hit the 1,00,000 waiver criteria but I don't want to be spending money just to hit that. I care more about the peace that comes with LTF.
Please share your suggestions!
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