HDFC Millenia to Platinum DC - Should I?

[GROWNUPS]

Recently upgraded my DigiSave Account to SavingsMax Account via HDFC Xpressway

But I kept the Millenia DC as is, Soon HDFC emailed with Offer to convince to upgrade to Platinum DC (10% CB - 500)



SHOULD I TAKE ADVANTAGE OF THIS OFFER? Need your suggestions and insights

Thoughts :
* Not too concerned about CC Bill Payment Cashbacks
* But Millenia rewards always take longer time, and uncertain
* Don't want to miss out on Normal Spends rewards
* Not too concerned about Shopping rewards, since CCs cover that

Basically, I only use current Millenia casually, Still, I am interested in an upgrade...Should I?

 

[NAB]

Yes, go for this upgrade. Totally worth it.

 

[Swastik]

Worth it for Non HDFC Card Payments on HDFC Bill Desk ,but if you're not concerned with that ,why spend the extra 250 on annual fee

 

[doraemon]

Is millennia card free with savings max

I also having digisave in which millennia fyf
So in oct I will upgrade to savings max
And would like to keep millennia
Will there be any charges?

 

[NAB]

Worth it for Non HDFC Card Payments on HDFC Bill Desk ,but if you're not concerned with that ,why spend the extra 250 on annual fee

Platinum Card is free with Savings Max account.

 

[Swastik]

Platinum Card is free with Savings Max account.

Oh i see ,then take it

 

[hedgehog2122]

Platinum card no longer offers complimentary lounge. For me the card automatically got removed from dreamfolks portal.

I am I missing something here, seniors to confirm pls

 

[Swastik]

Platinum card no longer offers complimentary lounge. For me the card automatically got removed from dreamfolks portal.

I am I missing something here, seniors to confirm pls

No lounge access without spends ,so yeah correct

But the cash back on Card Payments is still great

 

[sousnake]

No lounge access without spends ,so yeah correct

But the cash back on Card Payments is still great

Millennia also give cashback for bill payment on hdfc billpay, right?

 

[doraemon]

Millennia also give cashback for bill payment on hdfc billpay, right?

But that's max 400
Whereas platinum 750

 

[hedgehog2122]

No lounge access without spends ,so yeah correct

But the cash back on Card Payments is still great

Earlier i used to get a message something like spend 5K in previous quarter to avail lounge benefits, now the card is no longer showing on dreamfolks portal - auto deleted i guess.
Any idea on this

 

[sidp]

Millennia also give cashback for bill payment on hdfc billpay, right?

I think so. But till 400 unlike 750 for esp.

There is an active thread on millenia dc maintained by @D₹V Check it out. Every month people ask the same question. 🤣

 

[Swastik]

Earlier i used to get a message something like spend 5K in previous quarter to avail lounge benefits, now the card is no longer showing on dreamfolks portal - auto deleted i guess.
Any idea on this

You've to meet spend criteria for your lounge acscess to open

 

[hedgehog2122]

Earlier i used to get a message something like spend 5K in previous quarter to avail lounge benefits, now the card is no longer showing on dreamfolks portal - auto deleted i guess.
Any idea on this

I have earlier addred hdfc platinum easyshop visa debit card on Dreamsfolks, however the same is now disappeared. When i am trying to add this card, its giving an error that it already exists. What should I do to check the available lounge visits, i use the card regularly so i guess the visits are activated and available.

 

[fageriaji]

Recently upgraded my DigiSave Account to SavingsMax Account via HDFC Xpressway

But I kept the Millenia DC as is, Soon HDFC emailed with Offer to convince to upgrade to Platinum DC (10% CB - 500)



SHOULD I TAKE ADVANTAGE OF THIS OFFER? Need your suggestions and insights

Thoughts :
* Not too concerned about CC Bill Payment Cashbacks
* But Millenia rewards always take longer time, and uncertain
* Don't want to miss out on Normal Spends rewards
* Not too concerned about Shopping rewards, since CCs cover that

Basically, I only use current Millenia casually, Still, I am interested in an upgrade...Should I?

Yes. You should upgrade because it's a free card and reward takes 3 working day to credit.