What should be done in this case ?
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Dimers Expert advice on HDFC Credit Card to Choose from

Deal's Advocate

Getting an Offer to Upgrade to HDFC Millennia for FYF (First Year Free) 

Getting the same offer from past 2-3 year but this time it's FYF 


PS - Holding a PAID HDFC Regalia First Credit Card since 8+ years 

and a LTF HDFC Tata Neu Infinity Credit Card  since few months after launch 

Couple of times achieved milestones in the Regalia First CC for Renewal Fees Waiver and couple of times Renewal fees was waived off upon email request , Rest all other times have paid INR 1000 as fees

Planning to close Regalia First CC after De- valuation as Renewal is up in next month & no Free upgrade to LTF even after multiple request


MY Questions

1.) Will it be a wise decision to close the Paid Regalia First CC or Shall I continue holding the same card ?

2.)  Is it Good to accept the offer of Upgrade to Millennia card for FYF ?

3.) In case closing Regalia First CC , Can I still hold LTF Tata Neu Infinity as a standalone card ?

4.) Are there any negotiation way with Bank to make either card LTF ?

Note - Good amount of Reward points accumulated in Regalia First CC & Quite handy in Online Sales Also good higher limit with extension every now & then provided by Bank

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Benevolent Benevolent
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ccheck where do you spend most. 

  • 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato

if this is the case you can take Millennia .  From past few years not using hdfc card anywhere because of no offers. 

Deal Newbie Deal Newbie
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Same was the case with me. I updated to millennia last month. But it has a limit of 1000 cashback per month on online spends and smartbuy each, however, regalia first has points to cash ratio of 0.20

Deal's Advocate Deal's Advocate
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@Simbha3 My Spends are in General categories but Regalia First CC helped with in between milestones for  Amazon Voucher that Bank provides as an offer
Also it did help in Lounges

I do also have Flipkart Axis for Flipkart Spends And APay ICICI for Amazon Spends 

So m still confused

From your point of view how would answer my 4 curated thoughtful questions that would help me decide about this ?


Deal's Advocate Deal's Advocate
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@Hitss Oh ! That's Great 

Was it FYF or LTF ? 

So in your opinion which card is still better to hold on in Future ?

Also if you can help me decide on the subject matter by answering my 4 curated thoughtful questions ?


Deal Newbie Deal Newbie
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If you are into international travelling then regalia is better or if you want instant cashback then millenia is better. 

Deal Newbie Deal Newbie
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You need to spend 1lac per annum to get renewal fees waiver in millennia which is easier to achieve. 

Deal Newbie Deal Newbie
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Your current regalia points will remain same and will be adjusted in millennia card. 

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