Millennia Convert Your HDFC Millennia Credit Card to Rupay Network by just a phone call

[2025]

Hi Friends,

Inspired by @prateekm03 and his post here https://www.technofino.in/community/profile-posts/10003/ today, I have called HDFC customer care (📞 1800 1600) and successfully raised a request for conversion of my Mastercard Millennia Credit Card to Rupay Millennia Credit Card. No questions will be asked. Take max. 5 minutes.

This is what I was informed by the phone banking executive.
1. All features and benefits will remain same.
2. LTF cards will remain LTF.
3. Request will be processed in maximum 10 days.
4. Rewards points/ cashback (accrued and upcoming) will be transferred to the new card.
5. Running balance Statement will also be transferred.
6. Card will be delivered to my address and the old card will be deactivated.

Things that I did not asked, but expecting...
1. It will work on UPI and give benefits of 5% at preferred merchants and 1% in other eligible cases. Will update later.

Why I did this?
1. India first. Reducing the fund outflow from India, particularly to arrogant US.
2. Rupay hai toh jindegi hai.
3. Easy to use UPI cards using scan and pay features. Plus 1% upto 1000 cashback monthly.
4. My TNI card only giving 0.5% outside the TNI app. So a better choice.
5. Automatically extended the validity of the card.
6. Some secret hacks. Won't disclose even in DM.
7. I have never got any limit upgrade from HDFC so hoping this change will bring something new for me.
8. Additionally, this card has milestone benefits 1k for quarterly 1L spends. So, yes 2.0% UPI achievable.

Updates:
1. Received the confirmation about raising the request immediately.
2. Card generated on next working day (11-Aug-2025) evening around 7:30 pm. Balance transferred.
3. Add on applied on 12-Aug, generated same day.
4. Primary card received on 14-Aug. Added to upi app.

@TheTrickySid @kuchbhi @Karan. @drvirag @Vasuki @TechnoFino @Abhishek012 @anisharya16 @n69b @pinki @Strange @6ix9ine @desiviru @cardio_guy @hender @HumorSimpson @Donald J. Trump

A related thread: https://www.technofino.in/community...a-cliq-uber-zomato-bookmyshow-cult-fit.42898/

 

[Ram1]

In HDFC You can not turn off, set limits for the UPI transactions of primary as well as add-on card.

Keep this in mind while applying add-on card.

I think either Ecom or pos limit apply to upi

 

[Ram1]

Was reading this thread at 2am called hdfc and got my request registered in under 5 mins. Will activating this reissued millennia Rupay affect me in applying for a new hdfc cc? As in will I have to wait for another 3 months to apply for a new card?

No there's no such rule for new cc. But for upgrades yes.
U cant apply another core card,only 3rd party card possible

 

[Strange]

I think either Ecom or pos limit apply to upi

It won't work.

 

[Ram1]

It won't work.

O k a y

 

[Strange]

O k a y

Try and let us know.

 

[Strange]

O k a y

UPI Transaction will go through even if you turn off all domestic and international transactions.

 

[Ram1]

UPI Transaction will go through even if you turn off all domestic and international transactions.

Then its a serious concern man, is it same for all rupay ccs of hdfc?

 

[Strange]

Then its a serious concern man, is it same for all rupay ccs of hdfc?

I think so.

 

[Strange]

Then its a serious concern man, is it same for all rupay ccs of hdfc?

AFAIK HopelessDFC was the first Bank to launch RuPay credit on UPI but they never gave us an option to control it.

 

[2025]

HDFC backend team not even updated mobile number of add on card holders.

Their phone banking service not even ready to ti take up the request.

Sending an email with serious note. Never thought that their service would come this low.

-A simple request of mobile number update can not be done for add on member?
-Why did they added wrong mobile number at first place?
-If card details same, mobile number same, then what is the logic of having add on options?

I will definitely follow this up.
@Abhishek012 if the mobile numbers of add on cards are same then how come other members are using upi with add on cards?

Anyone knows easier way to update mobile number of add-on card holders when card number are same?

Can I ask them to re-issue add on card with different number?

 

[Anupama_Jha]

Enjoyed reading this whole thread🤣

 

[Ram1]

Enjoyed reading this whole thread🤣

Why so jiii?

 

[Abhishek012]

Unka add-on card number v same tha na?
Asking because I got same card number.

No, different mobile number.

 

[Abhishek012]

One more reason to convert to the RuPay Millennia Credit Card –

HDFC now issues a different 16-digit credit card number for each add-on card. If you have an older Visa/Mastercard/Diners Club Millennia Credit Card, all add-on cards share the same 16-digit number as the primary card.

After converting to the RuPay Millennia, HDFC will provide a unique 16-digit credit card number for every add-on card.

Benefits:

1. Use each add-on card separately for e-commerce discount offers.
2. If Amazon blocks your credit card for Amazon gift voucher purchases after ₹10k–₹50k (Amazon has certain limits/restrictions on gift voucher purchases per month or within 30–90 days), you can use another Amazon account with an add-on RuPay Millennia credit card to continue buying gift vouchers and still enjoy 5% cashback.

 

[Anupama_Jha]

Why so jiii?

Too much confusions among guys.

✅I got converted to rupay by just a email to grievance cc.
✅Add-on cards work on UPI, flawlessly.
✅I got different card number for all add-ons.
✅I applied Add-on myself thru hdfc app, by just putting cust ID, when I had Millenia MC.
✅Mob no in add-on cards are same as their cust ID.

 

[Ram1]

Too much confusions among guys.

✅I got converted to rupay by just a email to grievance cc.
✅Add-on cards work on UPI, flawlessly.
✅I got different card number for all add-ons.
✅I applied Add-on myself thru hdfc app, by just putting cust ID, when I had Millenia MC.
✅Mob no in add-on cards are same as their cust ID.

This is all for millenia. Imagine the outrage if infinia gets launched on rupay as speculated by @Abhishek012 🫠

 

[Strange]

UPI Transaction will go through even if you turn off all domestic and international transactions.

@Anupama_Jha check and confirm.

 

[Avatar Aang]

Hi Friends,

Inspired by @prateekm03 and his post here https://www.technofino.in/community/profile-posts/10003/ today, I have called HDFC customer care (📞 1800 1600) and successfully raised a request for conversion of my Mastercard Millennia Credit Card to Rupay Millennia Credit Card. No questions will be asked. Take max. 5 minutes.

This is what I was informed by the phone banking executive.
1. All features and benefits will remain same.
2. LTF cards will remain LTF.
3. Request will be processed in maximum 10 days.
4. Rewards points/ cashback (accrued and upcoming) will be transferred to the new card.
5. Running balance Statement will also be transferred.
6. Card will be delivered to my address and the old card will be deactivated.

Things that I did not asked, but expecting...
1. It will work on UPI and give benefits of 5% at preferred merchants and 1% in other eligible cases. Will update later.

Why I did this?
1. India first. Reducing the fund outflow from India, particularly to arrogant US.
2. Rupay hai toh jindegi hai.
3. Easy to use UPI cards using scan and pay features. Plus 1% upto 1000 cashback monthly.
4. My TNI card only giving 0.5% outside the TNI app. So a better choice.
5. Automatically extended the validity of the card.
6. Some secret hacks. Won't disclose even in DM.
7. I have never got any limit upgrade from HDFC so hoping this change will bring something new for me.
8. Additionally, this card has milestone benefits 1k for quarterly 1L spends. So, yes 2.0% UPI achievable.

Updates:
1. Received the confirmation about raising the request immediately.
2. Card generated on next working day (11-Aug-2025) evening around 7:30 pm. Balance transferred.
3. Add on applied on 12-Aug, generated same day.
4. Primary card received on 14-Aug. Added to upi app.

@TheTrickySid @kuchbhi @Karan. @drvirag @Vasuki @TechnoFino @Abhishek012 @anisharya16 @n69b @pinki @Strange @6ix9ine @desiviru @cardio_guy @hender @HumorSimpson @Donald J. Trump

A related thread: https://www.technofino.in/community...a-cliq-uber-zomato-bookmyshow-cult-fit.42898/

Can Add on card holder add the add-on card to their UPI?

 

[Strange]

Can Add on card holder add the add-on card to their UPI?

Yes but you can't control UPI transaction limits.

 

[GTSaketh]

Yes but you can't control UPI transaction limits.

Even if it's your own card and not add-on?