What should be the ideal upgrade after HDFC millennia

[rish_s]

Hi guys, I have a Millennia credit card which has a limit of 8.7 lakhs. I just checked today that I've received a card upgrade offer to Regalia credit card. According to you guys what should be the ideal upgrade for me. I don't think Regalia is a good upgrade. Please suggest me what should I do.

 

[vaibhav111vaibhav111 is verified member.]

As per the hierarchy of hdfc card that should be the upgrade offer, why you think as per reward that isn't ideal ?

 

[WhoU]

Hi guys, I have a Millennia credit card which has a limit of 8.7 lakhs. I just checked today that I've received a card upgrade offer to Regalia credit card. According to you guys what should be the ideal upgrade for me. I don't think Regalia is a good upgrade. Please suggest me what should I do.

If regalia offered is RuPay and you don’t have Tata Neu, then go for it. You can use it for UPI txns for all your milestones etc.

Assuming you have other cards which give similar reward rate like Millenia on AMZ/FK.

 

[rish_s]

As per the hierarchy of hdfc card that should be the upgrade offer, why you think as per reward that isn't ideal ?

Everyone knows that the base reward rate on Regalia is very low. And except lounge access there's been nothing left in Regalia card after all the devaluations. Millennia is far better in offer 5% cashback on 10 good merchants as well as 1% on wallet loads. Further, Regalia gold is launched at same fees with somewhat better offers so why would you say that it is the ideal upgrade after millennia?
In fact I was thinking I could easily get diners black if I request as my limit is good. What do you think?

 

[rish_s]

If regalia offered is RuPay and you don’t have Tata Neu, then go for it. You can use it for UPI txns for all your milestones etc.

Assuming you have other cards which give similar reward rate like Millenia on AMZ/FK.

No regalia offered is normal visa variant. And besides millennia I only have axis ace.

 

[Chaitanya-a]

No regalia offered is normal visa variant. And besides millennia I only have axis ace.

Keep Millenia only. Regalia series is useless. You can easily get Axis Magnus c2c via this Millenia.

 

[WhoU]

No regalia offered is normal visa variant. And besides millennia I only have axis ace.

Forget about it then, time to make use of this forum and get some better cards from the market 🙂

 

[rish_s]

Keep Millenia only. Regalia series is useless. You can easily get Axis Magnus c2c via this Millenia.

Yeah regalia is useless. I'm more interested in Infinia if possible.
And also can you please tell me more about C2C process to avail axis magnus?

 

[vaibhav111vaibhav111 is verified member.]

Yeah regalia is useless. I'm more interested in Infinia if possible.
And also can you please tell me more about C2C process to avail axis magnus?

Search for magnus c2c through search, try via Vimal, Alwàys_Bélîevé_Yøursélf🎯

 

[rish_s]

Search for magnus c2c through search, try via Vimal, Alwàys_Bélîevé_Yøursélf🎯

Thanks

 

[vaibhav111vaibhav111 is verified member.]

Forget about it then, time to make use of this forum and get some better cards from the market 🙂

Keep millennia then and don't close or cancel and might in the future, infinia upgrade with imperia banking might trigger upgrade for you

 

[rish_s]

Keep millennia then and don't close or cancel and might in the future, infinia upgrade with imperia banking might trigger upgrade for you

Another interesting development in netbanking. In offers section I'm being offered second lifetime free hdfc credit card and when I open the offered card it's regalia gold lifetime free. Interesting 😂

 

[Chaitanya-a]

Yeah regalia is useless. I'm more interested in Infinia if possible.
And also can you please tell me more about C2C process to avail axis magnus?

DM @Alwàys_Bélîevé_Yøursélf🎯
He'll help you from application till approval for premium Axis cards

 

[rish_s]

DM @Alwàys_Bélîevé_Yøursélf🎯
He'll help you from application till approval for premium Axis cards

Can't open his profile. Can't DM

 

[vaibhav111vaibhav111 is verified member.]

Can't open his profile. Can't DM

He will reply here n contact you through dm

 

[rish_s]

Another interesting development in netbanking. In offers section I'm being offered second lifetime free hdfc credit card and when I open the offered card it's regalia gold lifetime free. Interesting 😂

Is it possible to get two HDFC credit cards? I wonder if it would be approved.

 

[Chaitanya-a]

Is it possible to get two HDFC credit cards? I wonder if it would be approved.

They're promoting it as second hdfc card so chances are hdfc is giving flexibility for this card.
But it isn't LTF. Check carefully where its written that it is spend based waiver. You've to spend 4L to get waiver.

 

[sv004]

Hi guys, I have a Millennia credit card which has a limit of 8.7 lakhs. I just checked today that I've received a card upgrade offer to Regalia credit card. According to you guys what should be the ideal upgrade for me. I don't think Regalia is a good upgrade. Please suggest me what should I do.

U can go for infinia directly. Btw can u tell me how did u get limit increase on millennia? How much are ur yearly spends and how much time it took ?

 

[rish_s]

U can go for infinia directly. Btw can u tell me how did u get limit increase on millennia? How much are ur yearly spends and how much time it took ?

I had only HDFC credit card as my primary card for 4 years. And not very high spendings but normal 1.5-2 lakhs per year. Got lucky with Limit enhancement offers. Further, I have a preferred account.

 

[sv004]

I had only HDFC credit card as my primary card for 4 years. And not very high spendings but normal 1.5-2 lakhs per year. Got lucky with Limit enhancement offers. Further, I have a preferred account.

I think u should definetly go for Infinia then dont settle for anything less.