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Should i take upgrade for fyf hdfc millenia

CHOCOPANDA

TF Premier
Upon receipt of your income documents, we have reviewed your request and we are willing to offer an additional credit limit of Rs. 72,000.00 from your existing credit limit subject to internal check.

Further, basis your request on card upgrade your card. We have taken up for a detailed review and in order to review your request for card upgrade to Millennia card as First year free card.

1. Your consent for card upgrade mentioning the last four digits of your current card number.
2. Credit Card variant to be upgraded.
3. Acceptance towards annual membership fee* (*membership fee would get waived off automatically on achieving the required spend threshold in a year).
4. Acceptance towards transfer of Reward points (if any) from your old HDFC Bank credit card to the new card variant as per the applicable conversion ratio* (*Refer enclosed Upgrade form for details).

MY DOUBTS
1. I presently hold Hdfc Bharat Cc and no hdfc bankaccount. I am planning to go to nearest branch and submit form for rewrd redemption after redeeming my 1000 above points ( 1pt. =1rs).
2. Then will upgrade.
3. I have asked them to also tell me if i can any how make my hdfc millenia cc ltf by any spend based creteria. but they say spend 1 lakh and it will be waived off.
can any one guide me how to ask them to get any spend based crietiria to make millenia ltf.
 
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