HDFC CC Upgrade guidance needed
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I have HDFC regalia first card and am thinking of upgrading to millenia card.
99.9% of my spends are online spends. And I use wallets like movikwik to consume super cash and paytm to load and pay merchants.
Will this upgrade be beneficial? I read that millenia card gives 2.5% on all online spends and 5% for spends through smartbuy. Also does this card give cashback on mobikwik and paytm? Regalia first excludes this payment method
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How to upgrade? Did customer care allow transfer from regalia first to millennia? I also have same card and want to upgrade to millennia
I don’t think it is good idea.
Regalia first is premium card compare to millennia credit card.
Millennia cc will have minimum transaction amount requirement and max reward cap and other tnc
Isn’t regalia cc expensive compared to millennia CC?
Yes it’s second prority to bank after diners and infinia
Anyone with millenia cc can provide more info here?
I am using millenia cc from last one year. There is no system to track how much you got reward points for particular transaction. Also i have never received the reward points for doing transaction on payzapp or online according to 5%.
Moreover you will not receive the reward points for all the transactions. Dont know how hdfc calculate reward points for millennia card
5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000)
2.5% CashBack on all online spends (minimum transaction size of ₹2000)
1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of ₹100)
welcome/renewal benefit = 1000 Points cashback after paying 1000Rs fee —> they can stop giving 1000 points any day.
this card demands you spend in certain min & max limits.
Make sure you fall in that bracket.
Not useful for dimers who need maximize benefits for sudden offers.
With HDFC, count RPs only if you have DCB/Infinia in your hand.
For me AXIS gpay ACE is rather promising:
https://www.axisbank.com/about-us/press-release...
No cashback for wallet load tn
On wallets I think it gives 1 percent. Online spends 2.5% and with payzapp 5%.
Millenia card is better for buying gv from smart buy because it can give you 10%cashback.