Upgrade to money-back credit card

[Rounak14]

I recently got an offer from HDFC to upgrade my freedom lifetime free credit card to money-back credit card with one year free. Should I convert or stay with freedom credit card?

 

[ManojGowda]

Both of them are pretty useless cards, really doesn't matter. Makes no sense to upgrade to FYF card when you have a LTF card and none of them give good return rate.
Wait until you get upgrade for Millennia/Regalia.

Use smartbuy to increase your return rate on spends,

 

[BVCBVC is verified member.]

Wait until you get Millinea atleast, else you will get stuck with Money back. What's your credit limit??

 

[Rounak14]

Wait until you get Millinea atleast, else you will get stuck with Money back. What's your credit limit??

1lakh with a EMI going on.

 

[BVCBVC is verified member.]

1lakh with a EMI going on.

Then you can request for Millinea I guess with 1L credit Limit. There are people who hold Millinea with <1L credit limit.