Millennia MONEY BACK PLUS TO MILLENNIA !

[RAJKUMAR265]

I recently upgraded to the HDFC Millennia Credit Card — here's how I did it (and how you can too):


1/
For the longest time, I was using the MoneyBack Plus credit card. Decent, but let’s be honest — the rewards are pretty limited if you spend online.


2/
After researching a bit, I realized Millennia offers better cashback on Amazon, Flipkart, Swiggy, and even wallets like PayZapp. It was a no-brainer upgrade for my spending habits.


3/
I tried applying through NetBanking, but it kept showing “no eligible offers.” That's when I decided to take the manual route.


4/
I wrote a short, polite email to the grievance team of HDFC Bank requesting an upgrade from MoneyBack Plus to Millennia.


5/
The email included:

• My registered mobile number
• Last 4 digits of my current card
• Request for upgrade to Millennia
• A line about being a long-time customer (optional, but adds weight)

6/
To my surprise, they responded in a few days saying the upgrade process was initiated. A week later — boom 💥 — I had my Millennia card in hand.


7/
Moral of the story:
If NetBanking doesn't help, a simple email can do wonders. Just be specific and professional.


8/
If you're in a similar boat, don’t wait for an "eligible offer" — reach out and ask. You might just get a better card with better rewards.


9/
Happy to share the email format I used. Just reply or DM. Good luck with your upgrade! 🙌


#CreditCard #HDFCBank #Millennia #MoneyBackPlus #PersonalFinance

 

[purushotham]

You can also try downloading Credit card upgrade form fill it manually and post it to Chennai office

I upgraded IOCL to Millennia FYF in this method

Write cover letter why you need millennia along with form

later convert it to LTF

 

[purushotham]

Post means simply drop it in HDFC branch they will send it to Chennai office

 

[hender]

Finally 😁, HDFC's ULTIMATE upgrade

 

[VSC]

Finally 😁, HDFC's ULTIMATE upgrade

Yes it is the ultimate since there won't be any other upgrades easily

 

[hender]

Yes it is the ultimate since there won't be any other upgrades easily

How's the Journey ahead...
1....
2....
3....
4....

 

[SJM]

Finally 😁, HDFC's ULTIMATE upgrade

Congrats!! I had to close this card after 15 years to get LTF Regalia. They never offered LTF upgrade. At present also I am stuck with similar issue, FYF offer for Regalia Gold, not getting LTF.

 

[VSC]

How's the Journey ahead...
1....
2....
3....
4....

My brother is using Moneybackplus for 2.5yrs but there has been no upgrades. But I can see in the forum that few have upgraded their cards.

 

[tharun]

Finally 😁, HDFC's ULTIMATE upgrade

From which card?

 

[hender]

MB to MB+

 

[hender]

Congrats!! I had to close this card after 15 years to get LTF Regalia. They never offered LTF upgrade. At present also I am stuck with similar issue, FYF offer for Regalia Gold, not getting LTF.

आपकी बात पढ़ कर ख्याल 🤔 आता है कि मैं भी बंद कर दूं, फिर यह सोच कर रुक जाता हूं मेरे पास एक ही क्रेडिट कार्ड है अगर उसे बंद कर दिया तो कहीं TF वाले ही ना पूछ लें, "भाई CC तो तुम्हारे पास है नहीं तुम यहां करने क्या आते हो" ???

 

[cardy]

later convert it to LTF

How?
Now a days hdfc is very strict about giving LTF or converting to LTF for existing customers

 

[cardy]

have a zero balance current account with hdfc

Thora Vistar se batao.
Criteria, eligibility, hidden t&c any ?
Account variant with scheme code.

 

[Deepak_9155]

You can also try downloading Credit card upgrade form fill it manually and post it to Chennai office

I upgraded IOCL to Millennia FYF in this method

Write cover letter why you need millennia along with form

later convert it to LTF

Without income documents?

 

[Abhi21]

Congrats!! I had to close this card after 15 years to get LTF Regalia. They never offered LTF upgrade. At present also I am stuck with similar issue, FYF offer for Regalia Gold, not getting LTF.

15 years of money back plus card.. Epitome of patience indeed!

 

[Abhi21]

आपकी बात पढ़ कर ख्याल 🤔 आता है कि मैं भी बंद कर दूं, फिर यह सोच कर रुक जाता हूं मेरे पास एक ही क्रेडिट कार्ड है अगर उसे बंद कर दिया तो कहीं TF वाले ही ना पूछ लें, "भाई CC तो तुम्हारे पास है नहीं तुम यहां करने क्या आते हो" ???

Hanging under a string.. Lol.. Band karva do.. HDFC alone isn't issuing credit card.
Agar app grievance team ko convince kar sakte ho Reason for upgrade and why this isn't useful and still it isn't useful you are going to close the card. They will consider upgrading to FYF.
I did it with my Tata neu infinity to millinnea

 

[hender]

Hanging under a string.. Lol.. Band karva do.. HDFC alone isn't issuing credit card.
Agar app grievance team ko convince kar sakte ho Reason for upgrade and why this isn't useful and still it isn't useful you are going to close the card. They will consider upgrading to FYF.
I did it with my Tata neu infinity to millinnea

Thanks 👍
No more liability - sleep 😴 peacefully.

 

[SJM]

15 years of money back plus card.. Epitome of patience indeed!

Only used to use it for Amazon sales. Even now it is the same with Regalia

 

[hender]

Only used to use it for Amazon sales. Even now it is the same with Regalia

👍🤩, Lovely and Like both

 

[hender]

Only used to use it for Amazon sales. Even now it is the same with Regalia

Not using on FK?
What's the difference using MB vs Regalia for Sales ?

 

[SJM]

Not using on FK?

I don't use FK.

What's the difference using MB vs Regalia for Sales ?

No idea, not enough spends to look into redeeming RPs. I took it for lounge access and then it got devalued.