Millennia Got an upgrade offer from Moneyback+ to Millenia. Planning to take it for 1 year. Need advice !!

[AsB]

After lots of struggle and a lot of prayer, I recently got an upgrade offer from Moneyback+ to Millenia. And just like many other people, my upgrade is only FYF, not LTF. I have two great cards :-

• Amazon Pay ICICI
• Tata Neu RuPay HDFC

I reached out to Cards Services and Escalation Team, and both of them broke my heart. They said that they wont consider LTF Upgrade. One of them said that they never provide LTF upgrade (which I think is wrong).

So, I have sent an email to Grievance Redressal , trying for a final attempt to get my Upgrade as LTF. If they deny as well, I will take the card as a FYF. Then, I will use it extensively, for 1 year, replacing my Amazon Pay card completely.

If after 2-3 years, they dont buzz to give me LTF , then I will close the card, and possibly either apply C2C or make my peace with Tata Neu.

So, my questions are :;-

1) What do you think of this strategy ?

2) Is it difficult to get LTF on upgraded cards in HDFC ?

3) How easy/difficult is it to get the card approved after closing the card ?

 

[Akashn]

1) Take the card, Make some spends and try to make it LTF during your 1 year time by emailing CC

2) Difficult to get core card if you have co branded card.. so think before closing..

 

[RishiKiDev]

1. Good strategy but the chances of converting to LTF Millennia is fairly low. What you can actually do is ask for fee waivers or spend 1lakh so that they reverse the fees.

2. Its very hard to get the core credit cards after you close them and hold a co branded one. One of my friend did the mistake, he is still repenting.


You are one of the very few lucky people who have got an Upgrade from MB.
HDFC Bank has some sort of rare kripa on you.
You might want to buy some lottery tickets in case. Cheers.

 

[D₹V]

Lamao... they'll never issue upgrade as LTF.

Take FYF card, do some good spends in 6 months & then request for LTF.

I'll be converted to LTF easily.

 

[Aquarab]

I have got offer to upgrade my Milennia HDFC to Regalia Gold.
Is it worth it to upgrade

 

[plastikman]

Lamao... they'll never issue upgrade as LTF.

Take FYF card, do some good spends in 6 months & then request for LTF.

I'll be converted to LTF easily.

Can FYF RG be converted to LTF using this strategy ? Any success ?

 

[D₹V]

Can FYF RG be converted to LTF using this strategy ? Any success ?

Don't know about regalia but Millennia I've converted it.

But possibility hai, you can try 🤔.

 

[imdjay]

Can FYF RG be converted to LTF using this strategy ? Any success ?

For regalia and similar lower cards, you can add a biller in HDFC smartpay for a few months, making the card LTF.
This was working earlier, now not 100% confirmed. You can confirm this from other sources.

 

[plastikman]

For regalia and similar lower cards, you can add a biller in HDFC smartpay for a few months, making the card LTF.
This was working earlier, now not 100% confirmed. You can confirm this from other sources.

Yeah, had done that in 2019. It was a special promotion then. Shall try now 😁

 

[Trust Me]

You are one of the very few lucky people who have got an Upgrade from MB.
HDFC Bank has some sort of rare kripa on you.
You might want to buy some lottery tickets in case. Cheers.

Back to back lottery luck doesn't work! So it's either accepting Millennia or buying lottery ticket. It's the OP's choice!

 

[imdjay]

Yeah, had done that in 2019. It was a special promotion then. Shall try now 😁

First Confirm once. I saw this circulating again somewhere.

 

[Strange]

Lamao... they'll never issue upgrade as LTF.

Take FYF card, do some good spends in 6 months & then request for LTF.

I'll be converted to LTF easily.

Are you sure it's gonna work?
Do we have to wait for 6 months to request for LTF conversion?
What if I spent 1L-2L in two months, can they consider LTF conversion request?

 

[D₹V]

Are you sure it's gonna work?
Do we have to wait for 6 months to request for LTF conversion?
What if I spent 1L-2L in two months, can they consider LTF conversion request?

They can. It's always bank's discretion.

6 month timeframe s is just for example & worked mostly.

In most case, they honoured the request for Millennia conversation to LTF.

 

[Strange]

They can. It's always bank's discretion.

6 month timeframe s is just for example & worked mostly.

In most case, they honoured the request for Millennia conversation to LTF.

They are giving the option to activate SmartPay to convert to LTF.

 

[NShah]

Are you sure it's gonna work?
Do we have to wait for 6 months to request for LTF conversion?
What if I spent 1L-2L in two months, can they consider LTF conversion request?

I have done this when my Millennia cc just 2 months old

 

[Strange]

I have done this when my Millennia cc just 2 months old

Is Millennia your upgraded card?

How much did you spend in the last two months?

 

[D₹V]

They are giving the option to activate SmartPay to convert to LTF.

Grievance.Redressalcc@hdfcbank.com
escalation.cc@hdfcbank.com

One guy sent email here & it was successfully converted to LTF millennia.

You can try emailing again.

 

[Strange]

Grievance.Redressalcc@hdfcbank.com
escalation.cc@hdfcbank.com

One guy sent email here & it was successfully converted to LTF millennia.

You can try emailing again.

I have already emailed them but they denied LTF upgrade.

 

[NShah]

Is Millennia your upgraded card?

How much did you spend in the last two months?

No
1 to 1.5L

 

[D₹V]

I have already emailed them but they denied LTF upgrade.

LTF upgrade & LTF conversion.

Both is different thing.