HDFC Indian Oil vs Money Back Card
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Guys, I received a message to free upgrade to Indian oil Credit Card from Money Back. (HDFC)
Is it worth it?
Further I have been getting messages from SBI also to upgrade to Prime or Elite from Simply Click. But it’s annual fees are about 3-5000. Comes with free gift vouchers.
Kindly guide me on both HDFC and SBI upgrades.
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You’re most welcome 
#AA_JJ 
Check with cc if they can give u LTF regalia or regalia first from moneyback
Otherwise no use
Also sbi ur card is good.
When they gave me regalia first they told me card will be LTF free if you make 3 autopay bill payments withing 60 days I paid and called customer care they said ho Gaya hoga lifetime free agar aapne condition follow kar li hai to, I thought it become lifetime free but unfortunately they sent me mail before one month of year completion that 1000+ gst will be deducted and to avoid that spend 90,000 more It was a difficult task and they finally deducted 1000 + 180 Rupees
Prime or elite makes no sense when compared with simply click especially if ur spends are online and low. Indian oil depends on ur spends. If u spend for fuel, it is good otheriwse better wait for better upgrade.
These xyzback cards from HDFC are of no use I suppose.
Prime/Elite both are very good cards but you atleast need to spend 3/5lakhs per year to waive your annual fees