Should I Upgrade to HDFC Regalia Gold LTF from HDFC millenia

[manansolanki334]

I’m currently using the HDFC Millennia Credit Card and recently got an email from HDFC offering a free upgrade to the HDFC Regalia Gold (Lifetime Free).

I’m not sure if it’s worth upgrading. Has anyone here used the Regalia Gold LTF?

• Is it better than Millennia in terms of rewards and benefits?
• Any hidden charges or downsides?
• Is it useful even if I don’t travel much?

Would really appreciate your advice and experience.

 

[6ix9ine]

Completely upto you.

If you are into hotel/miles game and wishes to reach Infinia = Regalia Gold

If you are into online shopping, amazon/flipkart, etc. = Millennia

 

[Sobirvs]

Depends on your usage, I upgraded and it is worth it as mil card has lot of limitations however regalia gold keeps rewarding me till around 7.5L usage.

And if you are thinking of upgrading to DCB/Infinia, then you'll have to do spends and mil won't reward you much compared to regalia gold.

 

[yogs]

Can you throw some light on your mil CC journey, relationship with HDFC and spends on Mil CC in last 6 months? I have a Imperia Salary account with them and holding MB+ LTF from 3 yrs but still no upgrade.