LTF Regalia Gold Vs Millennia (Paid)

[dineshweb]

I've called my RM to check whether I have any ongoing offers for Credit card, he said that I'm eligible for Regalia Gold LTF, even though it's saying FYF in my application, I have asked him to check any offers for Millennia, he's saying to take the Regalia Gold as it is Super premium card also it's LTF . The main purpose of me asking for Millennia is for the Cashback purpose on both Amazon and Flipkart etc. He also said that the reward points and benefits are better in Regalia Gold than Millennia.

Which one is better in this case ?

 

[PrabhuP]

If your requirements is purely Cashback on Online shopping Go for Millennia,

If travels related(International Lounge ) then go for Regalia

 

[dineshweb]

If your requirements is purely Cashback on Online shopping Go for Millennia,

If travels related(International Lounge ) then go for Regalia

Yes my main aim is cashback, since I don't travel that much, but the RM said take regalia gold since it's LTF , if your not happy with it I can downgrade it to Millennia.

My question is if I downgrade, will there be a possibility to upgrade in future ?

Also whether it's possible to own both cards ? Like accepting the Regalia Gold from RM as LTF and apply Millennia from my end through the website ?

 

[PrabhuP]

I think yes you can upgrade , May be some of HDFC experts in community can confirm this ?
Regarding holding both cards, I don't think so you can hold 2 Core HDFC card in normal scenario but in exceptional cases they will allow.

 

[Akashn]

I've called my RM to check whether I have any ongoing offers for Credit card, he said that I'm eligible for Regalia Gold LTF, even though it's saying FYF in my application, I have asked him to check any offers for Millennia, he's saying to take the Regalia Gold as it is Super premium card also it's LTF . The main purpose of me asking for Millennia is for the Cashback purpose on both Amazon and Flipkart etc. He also said that the reward points and benefits are better in Regalia Gold than Millennia.

Which one is better in this case ?

Is this pre approved?

 

[dineshweb]

Is this pre approved?

Yes it was pre approved one for FYF, I contacted my RM to check whether I have any offers for Millennia , also I got a message from HDFC 2 days before saying Regalia Gold as LTF. But for me I don't have any offers for Millennia itseems

 

[Akashn]

Yes it was pre approved one for FYF, I contacted my RM to check whether I have any offers for Millennia , also I got a message from HDFC 2 days before saying Regalia Gold as LTF. But for me I don't have any offers for Millennia itseems

Do you see same offer in netbanking or in email?

 

[dineshweb]

I think yes you can upgrade , May be some of HDFC experts in community can confirm this ?
Regarding holding both cards, I don't think so you can hold 2 Core HDFC card in normal scenario but in exceptional cases they will allow.

I also tried to apply Millennia through website but it's keep on getting redirected to pre-approved cards Regalia Gold, Tata neu Infinity Rupay and Indigo XL.

No matter which card I try it's keep on redirecting to the pre-approved cards

 

[dineshweb]

Do you see same offer in netbanking or in email?

In Netbanking it's showing FYF , I also got a normal message 2 days back saying Regalia Gold is LTF, My RM also says is LTF , it will not be charged if in rare case if it gets charged I'll make sure to waive off

 

[Akashn]

In Netbanking it's showing FYF , I also got a normal message 2 days back saying Regalia Gold is LTF, My RM also says is LTF , it will not be charged if in rare case if it gets charged I'll make sure to waive off

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I think you should take this. Later you can downgrade to millenia. Also you get 1500 gv so. Can you tell me when you opened your account?

 

[dineshweb]

I think you should take this. Later you can downgrade to millenia. Also you get 1500 gv so. Can you tell me when you opened your account?

It's my salary account which was opened in 2020. My account also shows it's in preferred banking

 

[Akashn]

It's my salary account which was opened in 2020. My account also shows it's in preferred banking

Then you should ask your RM to provide you Millenia only. They can make special case since your relationship is good with bank

 

[dineshweb]

Then you should ask your RM to provide you Millenia only. They can make special case since your relationship is good with bank

I asked him to check any offers or consideration to make for Millennia, but he's saying currently you don't have any offers for Millennia so I can't able to make any consideration on that.

 

[PrabhuP]

Ii think HDFC offers refresh 15th of every month wait till Monday and call RM .

I asked him to check any offers or consideration to make for Millennia, but he's saying currently you don't have any offers for Millennia so I can't able to make any consideration

 

[Akashn]

I asked him to check any offers or consideration to make for Millennia, but he's saying currently you don't have any offers for Millennia so I can't able to make any consideration on that.

Sorry then. Maybe other experienced members can help you in this

 

[dineshweb]

I also tried to apply Millennia through website but it's keep on getting redirected to pre-approved cards Regalia Gold, Tata neu Infinity Rupay and Indigo XL.

No matter which card I try it's keep on redirecting to the pre-approved cards

@PrabhuP can anything able todo to bypass this one ?

 

[PrabhuP]

Why not you can go for Regalia Gold LTF and SBI Cash back as paid card.

@PrabhuP can anything able todo to bypass this one ?

 

[dineshweb]

Why not you can go for Regalia Gold LTF and SBI Cash back as paid card.

That's a good one. But main reason staying from SBI cashback card are
1) getting sbi cashback card is hard than Millennia
2) my friend said sometimes cashback is not coming , he has to buzz the customer care to get it back.
3) I already have Flipkart axis, I'm also a newbie in cc having 3 cc wondering if it affects my CIBIL.
4) Also annual fee waiver is 2L ,so I wont be able to the fee waiver.
5) also some people say that you won't get the 5% cashback if you purchase gift vouchers either in gytr or even in Amazon

 

[4uziaul]

That's a good one. But main reason staying from SBI cashback card are
1) getting sbi cashback card is hard than Millennia
2) my friend send sometimes cashback is not coming , he has to buzz the customer care to get it back.
3) I already have Flipkart axis, I'm also a newbie in cc having 3 cc wondering if it affects my CIBIL.
4) Also annual fee waiver is 2L ,so I wont be able to the fee waiver.
5) also some people say that you won't get the 5% cashback if you purchase gift vouchers either in gytr or even in Amazon

If you want peace of mind then stay away from SBI CB CARD. 🤣

 

[PrabhuP]

That's a good one. But main reason staying from SBI cashback card are
1) getting sbi cashback card is hard than Millennia
2) my friend said sometimes cashback is not coming , he has to buzz the customer care to get it back.
3) I already have Flipkart axis, I'm also a newbie in cc having 3 cc wondering if it affects my CIBIL.
4) Also annual fee waiver is 2L ,so I wont be able to the fee waiver.
5) also some people say that you won't get the 5% cashback if you purchase gift vouchers either in gytr or even in Amazon

3. I have around 12 CC and my Cbill score floating around 770 to 800.
4, But you can easily get as 1000 rs cash back if you spend it wisely.
5. I am purchasing Amazon Gift voucher in Amazon using SBI Cashback card and Getting 5% with out any issue.