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/

 

[HumorSimpson]

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?

Good question.

"What exactly HDFC Millenia on Rupay can offer against kiwi, tata nue ?" is your question. People wrote thesis without answering it.

HDFC rewards edu spend, gold purchases which cards like kiwi don't.

Lets say if you are going to buy gold or pay edu fee of ~1L and you have opportunity to use QR scan . Then spending on HDFC milleinia gives you

1% (HDFC Millenia Feature) + 1% (HDFC Millenia Quarterly Milestone reach feature) + 1% (Assuming you are enrolled in rupay scan score) = ~3% which no other card gives on edu, gold.

Lets see what HDFC TNI has to offer in this case:
Single shot 1 shot payment of 1L :
HDFC TNI stops rewarding after ~33K as it hits in a month ceiling to 500 nue coins. So all your get is 500 coins + 1% (Assuming you are enrolled in rupay scan score) = ~1.5%

3 payments of ~33K:
1.5(JDFC TNI) + 1(Rupay scan score) = 2.5%


That's why HDFC Millenia on Rupay can be that one card to rule 'em all.