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HDFC MIllenia Credit Card

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Swami007

Hi all

Recently, I got offer to upgrade my HDFC IOCL LTF Credit card to Millenia credit card (not LTF). The Millenia credit card is just free for 1st year & after that have to spend Rs. 1.00 lac annually for waiver of card fee of Rs. 1000/-+GST.

My annual spends through credit card are around 2.20 - 2.50 lacs. Now I am thinking Millenia is not so beneficial to me in the following scenario :-

  1. Currently owned HDFC IOCL CC (LTF) is used to buy GVs through Smartbuy for LIC/insurance payments etc.
  2. Having Amazon Pay ICICI card with prime a/c for 5% cashback from Amazon.
  3. Having Axis Ace card for 5% cashback on utility bill payments through Gpay. (I spend around 2 lac annually from this card for fee waiver of Rs. 499/-+GST)
  4. Having free Axis Bank IOCL, Myzone CC and ICICI Coral CC. 
  5. Having HDFC Millenia Debit card. 
  6. I buy Myntra GVs for 15% discount & Flipkart GVs at 5-7% discounts from Trading section of Desidime.

Kindly share your opinions: Is it still beneficial me to close the HDFC LTF CC and get the Millenia credit card?

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35 Comments  |  
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Benevolent Benevolent
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what about future upgrades to Regalia/Diners black or Infinia, if you don't want these then stick to IOCL LTF

LEs also come with upgrades


Finance Mentor Finance Mentor
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If you don't want, don't push through... if you want rupay variant, HDFC IOCL does it, you can request conversion for free...

IMO, ask via email support if they can convert millennia to LTF after upgrade by reaching some milesone, like 50k spend in 6 months, etc. options...

Deal Subedar Deal Subedar
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I use millennial, every quarter my spends go above 1L and I get reward points +1K gv per quarter.

Deal Cadet Deal Cadet
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You can get Millennia credit card LTF through C2C basis at branch, as far as I know you can hold two HDFC credit cards, (one core card + one co branded card)

Deal Cadet Deal Cadet
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@SudhirG will millennia cc give 5% cashback for amazon gv purchase on amazon

Deal Newbie Deal Newbie
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kapaalaa wrote:

You can get Millennia credit card LTF through C2C basis at branch, as far as I know you can hold two HDFC credit cards, (one core card + one co branded card)

Brother, how can we get millennia card LTF from the branch with C2C ?? Because whenever I go to the branch, they always tell about the fees of the Millennia Credit Card. They never told me that you can get millennia card LTF.

Deal Subedar Deal Subedar
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The best option can be getting ur card network converted into rupay

Just call them (on mailing them they told me that they have currently stopped network conversion but on call they did it without any fuss)
However i would have taken millennia

Helpful Helpful
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anantnitish wrote:

The best option can be getting ur card network converted into rupay

Just call them (on mailing them they told me that they have currently stopped network conversion but on call they did it without any fuss)
However i would have taken millennia

Guys at [email protected] are giving that response.

@Swami007 You can use [email protected] instead.
Finance Ninja Finance Ninja
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anantnitish wrote:

The best option can be getting ur card network converted into rupay

Just call them (on mailing them they told me that they have currently stopped network conversion but on call they did it without any fuss)
However i would have taken millennia

You got millennia on RuPay ?
Finance Ninja Finance Ninja
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@Swami007 conversion your HDFC IOCL CC (LTF) to RuPay variant and link with UPI (your card remain LTF).

you will get rewards point on UPI spend too.

Tips: pay any other banks credit card bill via Amazon using your RuPay CC link UPI and also get rewards point.

Deal Subedar Deal Subedar
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abhishek012 wrote:
You got millennia on RuPay ?
Nah nah
I would be glad if i can get millenia on any network stuck_out_tongue_closed_eyes
Helpful Helpful
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Tron wrote:

@SudhirG will millennia cc give 5% cashback for amazon gv purchase on amazon

No, vouchers are considered 1% cashback

Deal Subedar Deal Subedar
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abhishek012 wrote:

@Swami007 conversion your HDFC IOCL CC (LTF) to RuPay variant and link with UPI (your card remain LTF).

you will get rewards point on UPI spend too.

Tips: pay any other banks credit card bill via Amazon using your RuPay CC link UPI and also get rewards point.

My HDFC IOCL credit card is Rupay variant.

Finance Ninja Finance Ninja
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Swami007 wrote:

My HDFC IOCL credit card is Rupay variant.

Ok you can use this card for any other banks credit card bill pay via Amazon using your IOCL credit card link UPI and also get rewards.

Apply for Tata Neu RuPay credit card from Tata Neu app and get 1%/1.5% neu coins (depend on card variant) on credit card bill pay spend via Amazon using Tata Neu RuPay card link UPI.
Finance Mentor Finance Mentor
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I got in this statement...can vouch for it. I verify if every rupee spent is mapped to cb correctly... @sendhil.warrior304

PS - Amazon GV bought directly from amazon with mill.CC

Deal Cadet Deal Cadet
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Agnivo007 wrote:

I got in this statement...can vouch for it. I verify if every rupee spent is mapped to cb correctly... @sendhil.warrior304

PS - Amazon GV bought directly from amazon with mill.CC

Is it possible to buy Amazon GV from Amazon App/website thru a cc? I got error every time. Am I missing something?

Finance Mentor Finance Mentor
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Some accounts are blocked from purchasing GV through CC on amazon... typically regularly going over 10k/month is considered as per reports... @Unknown

Generous Generous
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Unknown wrote:

Is it possible to buy Amazon GV from Amazon App/website thru a cc? I got error every time. Am I missing something?

Yes possible

U getting what error?

If it says this method is not available then tgats because u crossed eligible limit on buying gvs using cc

Az allows 30k gvs per month using all cc combined

Its 40k per 60days and 50k per 90days block.

these limits works somewhat randomly

Helpful Helpful
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Anyone noticed Amazon recharge is coming as merchant name for recharge, I think this 5% cashback on recharge may stop now on millennia credit card

Deal Cadet Deal Cadet
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Agnivo007 wrote:

Some accounts are blocked from purchasing GV through CC on amazon... typically regularly going over 10k/month is considered as per reports... @Unknown

For any specific card discount on product will it be 10%+5% or just 10%?
Finance Mentor Finance Mentor
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sudbht wrote:
For any specific card discount on product will it be 10%+5% or just 10%?
For running instant discount offer, you get that along with card feature cb, so yes 15%... but such hdfc offers are hard to come by these days...
Deal Cadet Deal Cadet
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Agnivo007 wrote:
For running instant discount offer, you get that along with card feature cb, so yes 15%... but such hdfc offers are hard to come by these days...
Thanks.
Finance Ninja Finance Ninja
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anantnitish wrote:

Converted my moneyback plus into rupay

But not getting any reward points

@abhishek012

What few days na, your old card rewards will also transfer to new RuPay card.

Wait for physical card delivry.
Deal Subedar Deal Subedar
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abhishek012 wrote:
What few days na, your old card rewards will also transfer to new RuPay card.

Wait for physical card delivry.
Delivered
Old card rewards was transferred the next day my card showed on hdfc app
Paid cc bill on Amazon (transection also settled) but no rewards received
For tata Plus card as soon as the transaction used to get settled i used to receive neucoins
Finance Ninja Finance Ninja
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anantnitish wrote:
Delivered
Old card rewards was transferred the next day my card showed on hdfc app
Paid cc bill on Amazon (transection also settled) but no rewards received
For tata Plus card as soon as the transaction used to get settled i used to receive neucoins
Ok, dnt worry you will get 10x rewards after next month transaction statement.
Helpful Helpful
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anantnitish wrote:

Converted my moneyback plus into rupay

But not getting any reward points

@abhishek012

For MB+, RPs are credited in the first week of a calendar month. Neu CCs are the exception.
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