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

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2

2025

TF Legend
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/
 
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uipolo said:
But in normal buy through CC option. I can't use these offers. View attachment 107297
Click to expand...
That's the whole point.

When you buy via CC, the merchant (amazon here) has to pay some MDR like 1.5 to 2%. In bank UPI, merchant doesn't need to pay this MDR and is passing this as a benefit to the customer.

Similar situation in some shops where they charge 2% extra when CC is used but nothing charged when bank upi is used.
 
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HumorSimpson said:
That's the whole point.

When you buy via CC, the merchant (amazon here) has to pay some MDR like 1.5 to 2%. In bank UPI, merchant doesn't need to pay this MDR and is passing this as a benefit to the customer.

Similar situation in some shops where they charge 2% extra when CC is used but nothing charged when bank upi is used.
Click to expand...
Itna kya explain kar rahe ho.

People will misuse CC UPI to buy lakhs of rupees Amazon gift vouchers, that’s why Amazon has kept it blocked.

With direct credit card enter, Amazon can put restrictions based on the card BIN but with CC UPI how will they put restrictions? Or maybe they can, but the Amazon team/developers would have to sit and do some major coding work for it. 🤣🤣
 
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Abhishek012 said:
Itna kya explain kar rahe ho.

People will misuse CC UPI to buy lakhs of rupees Amazon gift vouchers, that’s why Amazon has kept it blocked.

With direct credit card enter, Amazon can put restrictions based on the card BIN but with CC UPI how will they put restrictions? Or maybe they can, but the Amazon team/developers would have to sit and do some major coding work for it. 🤣🤣
Click to expand...
This is another aspect. But the MDR thing still holds good .
 
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Abhishek012 said:
Itna kya explain kar rahe ho.

People will misuse CC UPI to buy lakhs of rupees Amazon gift vouchers, that’s why Amazon has kept it blocked.

With direct credit card enter, Amazon can put restrictions based on the card BIN but with CC UPI how will they put restrictions? Or maybe they can, but the Amazon team/developers would have to sit and do some major coding work for it. 🤣🤣
Click to expand...
Misuse ki to tum baat hi nahi karo. Tumhe shobha nahi deta hai.

RuPay CC on UPI ko har merchant avoid karna chahta hai due to high MDR and usme sayad unhe kuch discount bhi nahi milta hai. VISA/Mastercard/RuPay cards me MDR bargain ho sakta hai tabhi banks cards pe low convenience fee rakhte hai. phonepe, snapay and many merchant iska example hai. Lowest MDR dene me VISA sabse best hai Mobikwik aaj tak VISA card me koi extra charge nahi kiya, Paytm bhi ban se pehle VISA card se free me transaction karne deta tha. similarly Snapay sirf VISA cards se 1.18% txn karne deta hai. RuPay ko VISA ki tarah MDR me discount Dena chahiye nahi to merchants avoid karte rahenge.

Even kuch local shops RuPay CC UPI band karke sirf card se payment accept karte hai.

Highest MDR RuPay prepaid card pe hai jise koi bhi merchant accept nahi karna chahta.

RuPay CC on UPI and RuPay prepaid cards ko MDR hi le doobega.
 
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Strange said:
Misuse ki to tum baat hi nahi karo. Tumhe shobha nahi deta hai.

RuPay CC on UPI ko har merchant avoid karna chahta hai due to high MDR and usme sayad unhe kuch discount bhi nahi milta hai. VISA/Mastercard/RuPay cards me MDR bargain ho sakta hai tabhi banks cards pe low convenience fee rakhte hai. phonepe, snapay and many merchant iska example hai. Lowest MDR dene me VISA sabse best hai Mobikwik aaj tak VISA card me koi extra charge nahi kiya, Paytm bhi ban se pehle VISA card se free me transaction karne deta tha. similarly Snapay sirf VISA cards se 1.18% txn karne deta hai. RuPay ko VISA ki tarah MDR me discount Dena chahiye nahi to merchants avoid karte rahenge.

Even kuch local shops RuPay CC UPI band karke sirf card se payment accept karte hai.

Highest MDR RuPay prepaid card pe hai jise koi bhi merchant accept nahi karna chahta.

RuPay CC on UPI and RuPay prepaid cards ko MDR hi le doobega.
Click to expand...
MDR charges merchant category and merchant ki aukad pe bhi depend karta hai.

Amazon jaise big merchants pe MDR same hote hai (i mean Amazon ko same lagte hai) chahe direct card otp transaction karo ya CC UPI

Paytm, mobikwik ka kis chiz ki baat kar rahe ho ? wallet load and cc bill pay me same he toh charges hai aur RuPay pe free hai paytm se cc bill pay.

Snapay ne ab saare visa/master/RuPay pe 1%+GST wapas la diya hai.

Now rahi baad local shops/small shop ki toh isme chote payment gateway companies raaz karta hai like Paytm QR, Phonepe QR, GPay QR, Bharat QR etc.

kuch merchant logo ka yaha technofino me already bataya tha, CC UPI se 1.25%, 1.3% , 1.5% or 1.75% MDR charges lagta hai Bharat QR merchant account me. Depend karta hai kis category me business registered hai.

Now MDR pe discount or negotiation pe aate hai -

Local shop wale ko POS machine lena parta hai ya rental pe lena parta hai POS machine. phir ja kar usko negotiate price pe discount MDR diya jate hai.

par woh discount MDR sirf Visa/master/RuPay k liye nahi hota hai. CC UPI pe bhi hote hai.

Already ek bande ne kuch month pahele technofino me yaha bataya tha uska hdfc smart vyapaar POS machine pe 1% k karib MDR lagta hai but woh MDR sirf Visa/master/RuPay k liye nahi, CC UPI se bhi usko 1% he MDR lagta hai.

Matlab samjhe ?

Visa/master/RuPay pe discount MDR pane k liye tumhare uppar ek POS machine thopa jata hai. Aur us POS machine ka paise wasool karta hai tumse (of course banks kabhi kabhi free me bhi POS machine dete hai) but jo bhi ho us thope hue POS machine pe CC UPI pe bhi discount price k MDR lagte hai.

Simple way se samjho, Paytm QR, Phonepe QR, GPay QR jada MDR charge karte hai compare to Pinelabs, hdfc smart vyapaar etc.

Jitni badi merchant gateway company hoga, utna better banks k sath woh log negotiate kar payega MDR ko lekar, jo ki kuch POS machine companies kar pate hai.

Uske POS companies utne better merchants ko MDR price de payega.

Now RuPay prepaid card pe lowest MDR to highest MDR hai - 0.25% to 2.5%

RuPay prepaid card ko customer pe na dhayan rakh k companies ko dhyan me rakh k uska MDR design kiya gaya hai.

Tumko kya lagta hai ? India me maximum companies/banks RuPay prepaid card he kyun itna jada issue krte hai ?

Kyunki companies/banks he hai jo RuPay prepaid card ko issue karega aur uske requirement k hisab se MDR decide karte hai.

Kuch companies ko jo MCC category me profit nahi hota hai woh MCC code pe transaction block kar deta hai.
 
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Abhishek012 said:
MDR charges merchant category and merchant ki aukad pe bhi depend karta hai.

Amazon jaise big merchants pe MDR same hote hai (i mean Amazon ko same lagte hai) chahe direct card otp transaction karo ya CC UPI

Paytm, mobikwik ka kis chiz ki baat kar rahe ho ? wallet load and cc bill pay me same he toh charges hai aur RuPay pe free hai paytm se cc bill pay.

Snapay ne ab saare visa/master/RuPay pe 1%+GST wapas la diya hai.

Now rahi baad local shops/small shop ki toh isme chote payment gateway companies raaz karta hai like Paytm QR, Phonepe QR, GPay QR, Bharat QR etc.

kuch merchant logo ka yaha technofino me already bataya tha, CC UPI se 1.25%, 1.3% , 1.5% or 1.75% MDR charges lagta hai Bharat QR merchant account me. Depend karta hai kis category me business registered hai.

Now MDR pe discount or negotiation pe aate hai -

Local shop wale ko POS machine lena parta hai ya rental pe lena parta hai POS machine. phir ja kar usko negotiate price pe discount MDR diya jate hai.

par woh discount MDR sirf Visa/master/RuPay k liye nahi hota hai. CC UPI pe bhi hote hai.

Already ek bande ne kuch month pahele technofino me yaha bataya tha uska hdfc smart vyapaar POS machine pe 1% k karib MDR lagta hai but woh MDR sirf Visa/master/RuPay k liye nahi, CC UPI se bhi usko 1% he MDR lagta hai.

Matlab samjhe ?

Visa/master/RuPay pe discount MDR pane k liye tumhare uppar ek POS machine thopa jata hai. Aur us POS machine ka paise wasool karta hai tumse (of course banks kabhi kabhi free me bhi POS machine dete hai) but jo bhi ho us thope hue POS machine pe CC UPI pe bhi discount price k MDR lagte hai.

Simple way se samjho, Paytm QR, Phonepe QR, GPay QR jada MDR charge karte hai compare to Pinelabs, hdfc smart vyapaar etc.

Jitni badi merchant gateway company hoga, utna better banks k sath woh log negotiate kar payega MDR ko lekar, jo ki kuch POS machine companies kar pate hai.

Uske POS companies utne better merchants ko MDR price de payega.

Now RuPay prepaid card pe lowest MDR to highest MDR hai - 0.25% to 2.5%

RuPay prepaid card ko customer pe na dhayan rakh k companies ko dhyan me rakh k uska MDR design kiya gaya hai.

Tumko kya lagta hai ? India me maximum companies/banks RuPay prepaid card he kyun itna jada issue krte hai ?

Kyunki companies/banks he hai jo RuPay prepaid card ko issue karega aur uske requirement k hisab se MDR decide karte hai.

Kuch companies ko jo MCC category me profit nahi hota hai woh MCC code pe transaction block kar deta hai.
Click to expand...
Kaha se copy paste kiya?
 
Upvote 0 Downvote
Abhishek012 said:
MDR charges merchant category and merchant ki aukad pe bhi depend karta hai.

Amazon jaise big merchants pe MDR same hote hai (i mean Amazon ko same lagte hai) chahe direct card otp transaction karo ya CC UPI

Paytm, mobikwik ka kis chiz ki baat kar rahe ho ? wallet load and cc bill pay me same he toh charges hai aur RuPay pe free hai paytm se cc bill pay.

Snapay ne ab saare visa/master/RuPay pe 1%+GST wapas la diya hai.

Now rahi baad local shops/small shop ki toh isme chote payment gateway companies raaz karta hai like Paytm QR, Phonepe QR, GPay QR, Bharat QR etc.

kuch merchant logo ka yaha technofino me already bataya tha, CC UPI se 1.25%, 1.3% , 1.5% or 1.75% MDR charges lagta hai Bharat QR merchant account me. Depend karta hai kis category me business registered hai.

Now MDR pe discount or negotiation pe aate hai -

Local shop wale ko POS machine lena parta hai ya rental pe lena parta hai POS machine. phir ja kar usko negotiate price pe discount MDR diya jate hai.

par woh discount MDR sirf Visa/master/RuPay k liye nahi hota hai. CC UPI pe bhi hote hai.

Already ek bande ne kuch month pahele technofino me yaha bataya tha uska hdfc smart vyapaar POS machine pe 1% k karib MDR lagta hai but woh MDR sirf Visa/master/RuPay k liye nahi, CC UPI se bhi usko 1% he MDR lagta hai.

Matlab samjhe ?

Visa/master/RuPay pe discount MDR pane k liye tumhare uppar ek POS machine thopa jata hai. Aur us POS machine ka paise wasool karta hai tumse (of course banks kabhi kabhi free me bhi POS machine dete hai) but jo bhi ho us thope hue POS machine pe CC UPI pe bhi discount price k MDR lagte hai.

Simple way se samjho, Paytm QR, Phonepe QR, GPay QR jada MDR charge karte hai compare to Pinelabs, hdfc smart vyapaar etc.

Jitni badi merchant gateway company hoga, utna better banks k sath woh log negotiate kar payega MDR ko lekar, jo ki kuch POS machine companies kar pate hai.

Uske POS companies utne better merchants ko MDR price de payega.

Now RuPay prepaid card pe lowest MDR to highest MDR hai - 0.25% to 2.5%

RuPay prepaid card ko customer pe na dhayan rakh k companies ko dhyan me rakh k uska MDR design kiya gaya hai.

Tumko kya lagta hai ? India me maximum companies/banks RuPay prepaid card he kyun itna jada issue krte hai ?

Kyunki companies/banks he hai jo RuPay prepaid card ko issue karega aur uske requirement k hisab se MDR decide karte hai.

Kuch companies ko jo MCC category me profit nahi hota hai woh MCC code pe transaction block kar deta hai.
Click to expand...
10/10 for this essay
 
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