Millennia Suggestions for HDFC Millennia if it can be converted to LTF based on t&c?

[nirmalya]

Hello,

I have been holding LTF Regalia First for 6 years. I got an upgrade offer to Millennia on FYF basis. However, on the HDFC new app, I noticed there is a statement that the annual fees will be waived off for Classic, Preferred and Imperia customers. I have taken the screenshots. After the upgrade, can I negotiate to make to it LTF since I am a classic customer? Has anyone done it?

Thanks and Regards,
Nirmalya

 

[6ix9ine]

Hello,

I have been holding LTF Regalia First for 6 years. I got an upgrade offer to Millennia on FYF basis. However, on the HDFC new app, I noticed there is a statement that the annual fees will be waived off for Classic, Preferred and Imperia customers. I have taken the screenshots. After the upgrade, can I negotiate to make to it LTF since I am a classic customer? Has anyone done it?

Thanks and Regards,
Nirmalya

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Take it, regardless of whether it’s LTF or FYF. Millennia is a solid card, you can milk more cashback than the fees you pay.

And before the renewal fee is charged, email them and ask to convert it to LTF. They might agree or they might not, doesn’t really matter.

If you can’t spend ₹1 lakh in a year, then it’s not worth getting this card.

 

[tharun]

Hello,

I have been holding LTF Regalia First for 6 years. I got an upgrade offer to Millennia on FYF basis. However, on the HDFC new app, I noticed there is a statement that the annual fees will be waived off for Classic, Preferred and Imperia customers. I have taken the screenshots. After the upgrade, can I negotiate to make to it LTF since I am a classic customer? Has anyone done it?

Thanks and Regards,
Nirmalya

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Why don't you mail hdfc cs they will guide you appropriately
If you are patient enough just apply if there is a change or charges levied in near future directly mail pnl showing this as proof
For the first one you are trying to connect to bank and then apply for 2nd scenario you would 1st apply and then face consequences based on it for false or mis advertisement

 

[nirmalya]

Take it, regardless of whether it’s LTF or FYF. Millennia is a solid card, you can milk more cashback than the fees you pay.

And before the renewal fee is charged, email them and ask to convert it to LTF. They might agree or they might not, doesn’t really matter.

If you can’t spend ₹1 lakh in a year, then it’s not worth getting this card.

The thing is most of my online spends have been moved to HDFC Swiggy card, so not really sure if I will hit the ₹1 lakh mark with this card.

 

[HumorSimpson]

HDFC Millenia CC's fee waiver criteria is 1L spends. If your spends are in that order, you can consider it free.

You can mail them for LTF conversion. Even if they don't do , they will in an year if you spend 1L+ in an year.

 

[6ix9ine]

The thing is most of my online spends have been moved to HDFC Swiggy card, so not really sure if I will hit the ₹1 lakh mark with this card.

Swiggy is paid card? Where do you spend?

Check how much cashback you are getting on Swiggy card and how much you can earn in your Millennia card.

Once you figure that out, then there is a bonus thing. Millennia is a core card, it works for sales as well. Swiggy is co-branded card. It doesn't work on sales.

 

[nirmalya]

Swiggy is paid card? Where do you spend?

Check how much cashback you are getting on Swiggy card and how much you can earn in your Millennia card.

Once you figure that out, then there is a bonus thing. Millennia is a core card, it works for sales as well. Swiggy is co-branded card. It doesn't work on sales.

It's a paid card, mostly on the 5% category.

 

[6ix9ine]

It's a paid card, mostly on the 5% category.

Millennia will outperform it then, calculate your cashback with the both cards and then decide.

Choose wisely.