HDFC Credit Cards Need help with hdfc card closures suggestion

[Kushagra_]

You convert your millennia to rupay and use to pay at Small Merchants maybe & you even get 1% at those UPI merchant transactions. There's still a possibility that you can reduce the Gap.

But anyways, the final call is yours

Oh you're alive!!
People are spreading fake news

 

[Donald J. Trump]

Oh you're alive!!
People are spreading fake news

Abhi mai mara na toh sachhi mein 2026 mein duniya khatam hai

 

[Wealth is my birth right!]

I have an HDFC Millennia card with an annual fee, which I’ve been using for the last 2 years. Recently, I got the Swiggy LTF card. I requested to convert Millennia to LTF but it was rejected. Now I’m thinking of closing it and applying for the HDFC UPI RuPay card. Do you guys see any downside to this?

Pls check in payzapp it may show u pixel ltf get it and use scan to pay

 

[Kushagra_]

Abhi mai mara na toh sachhi mein 2026 mein duniya khatam hai

Ek taraf kya dusri taraf khai?

 

[Kushagra_]

Pls check in payzapp it may show u pixel ltf get it and use scan to pay

It has a stupid limit transfer thing i wouldn't touch it with a 6 feet pole

 

[Donald J. Trump]

How frequently can we pursue it? I even reached out to the nodal officer, but he said they will not respond anymore.

They are likely not going to flinch. I have tried every 3 months for the past 4 years. Every 90 days you can reach out. Someday if you are lucky and god is graceful enough, you'll get it ltf. That day you'll remember my wise words.

 

[Donald J. Trump]

Ek taraf kya dusri taraf khai?

Ek taraf kua dusri taraf khai
Bach ke kahan jaye ab hume batao tum bhai

 

[HumorSimpson]

OP, what is the fee are you paying? 1k+gst or only gst which is 180?

 

[Kushagra_]

Ek taraf kua dusri taraf khai
Bach ke kahan jaye ab hume batao tum bhai

Vahin ruko kahin mat jao 🥺

 

[hdebnath]

Converting millinea LFT without enough spending is a nightmare🥲

 

[Donald J. Trump]

Converting millinea LFT without enough spending is a nightmare🥲

I had 1.67 lakhs in spends for the whole year, still they rejected me. 🤡

 

[hdebnath]

I had 1.67 lakhs in spends for the whole year, still they rejected me. 🤡

Please impose some tarrif on hdfc. I am on Same boat but lower spending

 

[kgaurav00]

I had 1.67 lakhs in spends for the whole year, still they rejected me. 🤡

Use 1L in quater then ask for LTF..

 

[Donald J. Trump]

Use 1L in quater then ask for LTF..

I don't have that much expenses to put on a cc in a quarter.

 

[Bart Simpson]

@avinasht - Are you related to @HumorSimpson ?

No I'm not related to him

Converting millinea LFT without enough spending is a nightmare🥲

Agreed ...even more painful is they gave ltf for new customer last year 😭

 

[Bart Simpson]

You are thinking short term IMO. You are closing a core HDFC CC and it's very difficult to get a core HDFC CC later on when you already have a co-branded card. Co-branded cards get devalued statistically quite often in comparison to Core cards, plus you would close your doors to eventual climbing up the ladders to Infinnia or DCB etc etc.

Sure 1,180 is quite overwhelming, but try to make every household payment using your millennia cc first, then your fee would be waived off. Also Millennia is launched in Rupay variant now, you can convert it to Rupay and get the purpose of UPI fulfilled and increase you transaction volume on it. Even if you don't use your swiggy ltf, it isn't going to affect you much because millennia and swiggy are more or less same.

I admit cashback is directly reversed in statement in swiggy card & in millennia you have to redeem cashpoints by at least having 500 in the first place and a 59 fee. But look at the bigger picture and then decide. Also, you won't always get all the cards for ltf, even I don't have millennia ltf, using it for past 4+ years, that doesn't make the card bad. Someday if the card is devalued and the benefits are not the same, then you may close it, but as of today, even as a paid card, Millennia is an amazing CC and you can recover your fees if you use it wisely.

I can convert it to RuPay, but most shops are not accepting RuPay UPI credit cards anymore.

 

[Aniket Sharma]

I have an HDFC Millennia card with an annual fee, which I’ve been using for the last 2 years. Recently, I got the Swiggy LTF card. I requested to convert Millennia to LTF but it was rejected. Now I’m thinking of closing it and applying for the HDFC UPI RuPay card. Do you guys see any downside to this?

Bhai my statement will definitely hurt you.


If you can't afford Rs. 180 per year chargeable card, you must not take any credit card.

Dumb people always starts discussion on millennia and that's a wonderful card with the lowest ever fees.

 

[Bart Simpson]

Bhai my statement will definitely hurt you.


If you can't afford Rs. 118 per year chargeable card, you must not take any credit card.

Dumb people always starts discussion on millennia and that's a wonderful card with the lowest ever fees.

Bhai 118 rs nahi hai 1000 + gst

 

[Aniket Sharma]

Bhai 118 rs nahi hai 1000 + gst

And in return you will get 1000 then what's the effective fee?

Its only gst part that we pay on millennia and you guys I don't know why crying for that.

 

[Bart Simpson]

And in return you will get 1000 then what's the effective fee?

We don't get 1000 rp for paying renewal fee it is for joining fee