Hdfc moneyback+ upgrade

[saurabhakagoku]

Hello everyone 👋🏻This is Saurabh and I'm holding moneyback+ cc past 2 years and yet I haven't got any good upgrade yet. Currently there is upgrade for millennia but it isn't good compared to my other cc like IDFC SELECT and au zenith. I was hoping for regalia but no luck i had chat with RM also offered business but still got rejected. Please help me

 

[NABNAB is verified member.]

If you want good cash back, then accept Millenia, best card ever. You will easily get regalia upgrade in the near future.

I am being offered Regalia Gold, but not accepting it.

 

[saurabhakagoku]

If you want good cash back, then accept Millenia, best card ever. You will easily get regalia upgrade in the near future.

I am being offered Regalia Gold, but not accepting it.

Any particular reason for not accepting the upgrade?

 

[anisharya16]

I talked to my RM once, he said CC upgrade follows in this order:
Freedom -> Money-back -> Millenia -> Regalia -> Some other core cards

 

[NABNAB is verified member.]

Any particular reason for not accepting the upgrade?

Instead of the reward points offered by Regalia Gold, I will prefer 5% CB on Flipkart, Amazon, etc. and 1% CB on rest of the transactions. That simply makes more sense for me.
So, I choosed to stick to Millenia as per my needs and spend areas. 😀

 

[NABNAB is verified member.]

I talked to my RM once, he said CC upgrade follows in this order:
Freedom -> Money-back -> Millenia -> Regalia -> Some other core cards

Yeah, but many times you get exception and fast forward the journey.

 

[anisharya16]

Yeah, but many times you get exception and fast forward the journey.

I have freedom CC ltf, currently have only upgrade offer for Money-back plus. Few months ago I got millenium upgrade offer but paid, so I didn't go for it.

 

[Gaara]

You think HDFC will just waltz into your inbox with a Regalia offer? By the time that carrier pigeon delivers their email, Millenia will be a distant memory and you'll be stuck with Moneyback again. I guess it's better to take Millenia now.

 

[saurabhakagoku]

If you want good cash back, then accept Millenia, best card ever. You will easily get regalia upgrade in the near future.

I am being offered Regalia Gold, but not accepting it.

Any particular reason for not accepting the upgrade,m

I talked to my RM once, he said CC upgrade follows in this order:
Freedom -> Money-back -> Millenia -> Regalia -> Some other core cards

Not always. My friend having no credit score managed to get millenia ltf at first

 

[saurabhakagoku]

Yeah, but many times you get exception and fast forward the journey.

Exactly my point. I'm not getting any offers other than Millenia (fyf) and loan.

 

[NABNAB is verified member.]

Any particular reason for not accepting the upgrade,m

Not always. My friend having no credit score managed to get millenia ltf at first

Yeah, as stated here: https://www.technofino.in/community/threads/hdfc-moneyback-upgrade.23863/#post-553712