Hdfc Millenia CC versus Moneyback CC

Deal Lieutenant

After 5-6 years finally getting upgrade offer from LTF Moneyback card to FYF Millenia card.

My online spends are not much but I do use 5-10k or more Amazon Pay GVs every month and load payzapp wallet to recharge Livquik fastag.

I also have LTF  Amazon Cc and Fk Axis Cc.

So should I take the upgrade offer from Moneyback to Millenia, eventhough Millenia is only FYF.

Are Swiggy HDFC or SBI cashback cards better than Millennia CC considering the 1000 annual fees for Millennia after the first year?

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Commentator Commentator
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I too got same offer
Deal Lieutenant Deal Lieutenant
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So did you upgrade?

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Deal Lieutenant Deal Lieutenant
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If you are Ok risking the card, then take the offer, ask for ltf after 7-8months, if they did it good, else close it.

Commentator Commentator
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sometimes they give options like spend 50k etc within 90days to make it LTF etc, if there are no such offers and if you are sure not to spend more than 1L per year and not to get advanced in HDFC credit card offerings (like now you got Millennia next they will give Regalia once you take Millennia and eventually end up with Infinia offer which is a long way to go plus for sure not LTF) then you can ignore

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