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/

 

[Strange]

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

Yep. . .

 

[GTSaketh]

Yep. . .

I mean it's not a big issue, right?

"Even though there should be an option"

But nobody can do upi through cc unless they have your phone and upi PIN.

 

[Anupama_Jha]

@Anupama_Jha check and confirm.

Have done 2k today with only e-com on.
Now 2nd trxn requires 24 hrs cooling 🪭

 

[Anupama_Jha]

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

@Ram1 Bss isliye enjoyed🤣😜

 

[Anupama_Jha]

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

For that rupay will need one more segment, like visa has classic, platinum, signature and infinite. Similarly rupay would also need a separate segment for HNI cards. @Abhishek012

Currently ig, rupay have classic, platinum and select only. Right?

 

[Strange]

Have done 2k today with only e-com on.
Now 2nd trxn requires 24 hrs cooling 🪭

UPI transaction limit is 5K right?

 

[Anupama_Jha]

UPI transaction limit is 5K right?

Small merchant limit is 2k

 

[akshayhs]

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

Serious concern in what way?

 

[Ram1]

For that rupay will need one more segment, like visa has classic, platinum, signature and infinite. Similarly rupay would also need a separate segment for HNI cards. @Abhishek012

Currently ig, rupay have classic, platinum and select only. Right?

Select will do the work but just need rscc benefits too🙈

 

[Ram1]

Serious concern in what way?

Suppose you have a wife which you want to gift her add on card.
But she is shopping freak. In other banks, you can set limits of add on card on ur app itself, so that u can set desired amount before handing over her add on.

But in case of hdfc, add on holder has full access of controlling limits, setting pin. There is a danger that She can empty the card in a day🙃
Upi has convenience compared to swiping, that too without limit control of add on, imagine 💀
Just kidding

 

[Anupama_Jha]

Serious concern in what way?

Like one should have control over UPI trxns, similar to other banks which give option, like SBI, AXIS, RBL

 

[2025]

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.

First adopter's issue and inconvenience.

If I would have applied today would have ensured everything sorted.

Someone has to create the path from scratch so that others can follow and make them their route.

 

[2025]

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

1. If card numbers and mobile number different than primary then surely can.
2. If only mobile numbers are different then also 99% probability they can.
3. If both card details and mobile in add on are same as primary (because of lapse in HDFC's end) then they can't.

I am currently at point 3.

This is the reason many people thinks others giving wrong info. But actually most of them are not aware about situations and flaws.

 

[Anupama_Jha]

Select will do the work but just need rscc benefits too🙈

Imagine having a 500₹ card with 15k limit (airtel axes) and a 12500₹ card with min 8L limit on same platform😆

 

[Ram1]

Imagine having a 500₹ card with 15k limit (airtel axes) and a 12500₹ card with min 8L limit on same platform😆

On the same note
There are zero balance accs which are offering rsdc at 800 fee and there is idbi bank which is offering same card for 10L acc😉

 

[Amit_1]

If you find such option then let me know.

yeah, could find any in Mobile App & mycards, weird but true, have you ever tried to speak with cs about this matter !!

 

[JimCarrey]

I am still confused about real benefits of this hyped thread.
Why convert to rupay? It’s about the 1% benefit and a possibly milestone hit and get upto 2% right?
If one has the likes of kiwi neon / Jupiter or even tata neu , does it makes sense to take the headache to convert?

I have 3 cc from hdfc diners/ visa / rupay. Now if I switch diners mill cc to rupay, will I be able to switch my infinia to rupay in future when the possibility comes?

 

[Abhishek012]

I am still confused about real benefits of this hyped thread.
Why convert to rupay? It’s about the 1% benefit and a possibly milestone hit and get upto 2% right?
If one has the likes of kiwi neon / Jupiter or even tata neu , does it makes sense to take the headache to convert?

I have 3 cc from hdfc diners/ visa / rupay. Now if I switch diners mill cc to rupay, will I be able to switch my infinia to rupay in future when the possibility comes?

In the future, whether or not Infinia RuPay is launched, the option to upgrade Infinia to another card network will become available.

Yes, 2% on UPI, if milestone hit. Also Amazon gold rewards - 5% + 5% - Total 10% cb on Amazon.

Swiggy-BHIM offer also combined.

And RuPay is an Indian company. Why should we give unnecessary profit to Visa/diners?

Trump has been acting crazy these days.

And today is Independence Day — don’t ask such questions today.

The revolutionaries shed their blood for freedom, and Indians are once again moving towards slavery.

The USA has already threatened that if the peace deal with Russia doesn’t succeed today, it will impose more tariffs and sanctions on India.

Who knows, they might even freeze all of India’s foreign reserves in US dollars.

If that happens, Visa, Mastercard, etc., will all be shut down.

 

[Strange]

yeah, could find any in Mobile App & mycards, weird but true, have you ever tried to speak with cs about this matter !!

https://www.technofino.in/community/profile-posts/7372/

.
.

 

[Strange]

In the future, whether or not Infinia RuPay is launched, the option to upgrade Infinia to another card network will become available.

Yes, 2% on UPI, if milestone hit. Also Amazon gold rewards - 5% + 5% - Total 10% cb on Amazon.

Swiggy-BHIM offer also combined.

And RuPay is an Indian company. Why should we give unnecessary profit to Visa/diners?

Trump has been acting crazy these days.

And today is Independence Day — don’t ask such questions today.

The revolutionaries shed their blood for freedom, and Indians are once again moving towards slavery.

The USA has already threatened that if the peace deal with Russia doesn’t succeed today, it will impose more tariffs and sanctions on India.

Who knows, they might even freeze all of India’s foreign reserves in US dollars.

If that happens, Visa, Mastercard, etc., will all be shut down.

HDFC RuPay CC me UPI transaction control kaise hoga? Iska solution btao.