Card Upgrade from Hdfc Money Back to Millennia Credit Card

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Deal Cadet
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Dear Dimers

Please advise me that should i upgrade to Millennia Credit Card from Money Back or not. My Money Back card is Ltf but in Millennia i have to pay around Rs. 1000 yearly fees. Is it profitable for me to upgrade in this card. Please give suggestions

17 Comments  |  
13 Dimers
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Deal Newbie
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just upgrade, ,moneyback is very basic card
you will get more reward points from millenia.
get renewal fee waiver on spending 1L
also free lounge access is totally worth the fee for millenia

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Community Angel
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Keep in mind – 2.5% cashback only on minimum transaction of 2000 and wallet transactions (like Paytm, Phonepe, Mobikwik etc) gives 1%.

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Deal Cadet
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go for it. there is no money is Moneyback card.

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Deal Subedar
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_One_Miller_ wrote:

Keep in mind – 2.5% cashback only on minimum transaction of 2000 and wallet transactions (like Paytm, Phonepe, Mobikwik etc) gives 1%.

Also minimum redeemption amount is 2500rs. & it will be valid only for 1 year.

So basically if u can’t get 2500rs. in a year, u will loose all previous cashback rs.

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Deal Cadet
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@aashish1593 I too hold MB card. HDFC send spend and get a voucher offer every month. This month 5kflipkart voucher on spending 42k.
Are you not getting those emails?

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Deal Cadet
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Nighthawk69 wrote:

@aashish1593 I too hold MB card. HDFC send spend and get a voucher offer every month. This month 5kflipkart voucher on spending 42k.
Are you not getting those emails?

No dear i di not receive these emails.

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Deal Cadet
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m0n3y5av0r wrote:

No dear i di not receive these emails.

oh, alas, then proceed to upgrade to Millennia.

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Deal Cadet
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Nighthawk69 wrote:

oh, alas, then proceed to upgrade to Millennia.

Can u please share screen shot of the same, please

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Deal Cadet
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I got SMS that my regalia first card is eligible for a credit limit increase from Rs.330000 to Rs.460000.

Does more limit help in auto upgrade card to regalia or higher.

Otherwise I don’t need limit of even 2 lakhs.

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Deal Subedar
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image wrote:

I got SMS that my regalia first card is eligible for a credit limit increase from Rs.330000 to Rs.460000.

Does more limit help in auto upgrade card to regalia or higher.

Otherwise I don’t need limit of even 2 lakhs.

today i also got limit enhancement from 1.40 to 2.8 lakh for moneyback card. But no offer for card upgrade sad

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Deal Subedar
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I have a query regarding card upgrade. What happens to reward points when we upgrade our card?

Like currently I have yes prosperity edge card & I m eligible for Yes premia card. I have 23k points in my existing card. Suppose I apply for card upgrade what will happen to my existing card points?

Will it shifted to new card? Because reward catalogue might be different for different cards.

Same way for all credit card what is general rule while upgradeing card for rewards?

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Deal Subedar
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drjpatwa wrote:

I have a query regarding card upgrade. What happens to reward points when we upgrade our card?

Like currently I have yes prosperity edge card & I m eligible for Yes premia card. I have 23k points in my existing card. Suppose I apply for card upgrade what will happen to my existing card points?

Will it shifted to new card? Because reward catalogue might be different for different cards.

Same way for all credit card what is general rule while upgradeing card for rewards?

Yes, yes bank reward points also move ii the new casd without any issues.

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Deal Lieutenant
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I applied card on basis they gave millennia cc they r promoting it

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Deal Subedar
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drjpatwa wrote:

Also minimum redeemption amount is 2500rs. & it will be valid only for 1 year.

So basically if u can’t get 2500rs. in a year, u will loose all previous cashback rs.

Brain opener…
So for annual fee referral have to transact 1 lakh.
And to earn minimum 1% (offline, online 2.5%) I have to run again and again to cross 2.5 lakhs…..

Surely not my ability…. Instead I enjoy my axis Flipkart and Amazon ICICI cards….. Just that they both have less limits.
For HDFC related will use same money back card…. (I can’t even fulfill quarterly spend limits)

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Deal Lieutenant
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vickyVicky wrote:

Brain opener…
So for annual fee referral have to transact 1 lakh.
And to earn minimum 1% (offline, online 2.5%) I have to run again and again to cross 2.5 lakhs…..

Surely not my ability…. Instead I enjoy my axis Flipkart and Amazon ICICI cards….. Just that they both have less limits.
For HDFC related will use same money back card…. (I can’t even fulfill quarterly spend limits)

You can redeem pts for Flight/Hotel…@30paise/point

  • CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = ₹0.30.
  • Unredeemed CashPoints will expire/lapse within 1 year of accumulation
    @drjpatwa
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Deal Cadet
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I am having dinners club miles cc and recently got upgrade for HDFC millennia can anyone suggest shall I go with millennia or stick with dinners ?

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