https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331249
Doesn’t make sense, if itis not LTF
How does this HDFC Upgrade make sense?
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I have an LTF Regalia and just received this card upgrade offer.
Why would anybody bite into this? ie: take a paid version of an inferior card?
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https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331250
It’s indeed an upgrade and a superior card than Regalia but not in paper.
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331263
prem4998 wrote:It’s indeed an upgrade and a superior card than Regalia but not in paper.
It is not a superior card than Regalia. I extensively make use of the domestic and international lounge access (for family too through add-ons).
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331273
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Spiderguy252 wrote:It is not a superior card than Regalia. I extensively make use of the domestic and international lounge access (for family too through add-ons).
You are a rewards guy, he is a cashback guy, that’s all.
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331294
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Spiderguy252 wrote:It is not a superior card than Regalia. I extensively make use of the domestic and international lounge access (for family too through add-ons).
Yes regalia is a better card overall.
I also made use of its domestic and international lounge access and it saved me lot of money. (Not in last 2 years)
But for people who do not travel, have limited spends and do not use international lounge access or are not into points game for them millennia is better with simple reward structure.
I personally will always keep Regalia.
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331300
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SnippierJoker wrote:Yes regalia is a better card overall.
I also made use of its domestic and international lounge access and it saved me lot of money. (Not in last 2 years)But for people who do not travel and do not use lounge access or are not into points game for them millennia is better with simple reward structure.
Millenia also has lounge benefits right
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331306
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jain01010199 wrote:Millenia also has lounge benefits right
Limited to 2 a quarter, only domestic and not on Add-Ons.
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331344
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Spiderguy252 wrote:It is not a superior card than Regalia. I extensively make use of the domestic and international lounge access (for family too through add-ons).
Then Regalia is indeed better for you. But many don’t use lounge access and do online shopping mostly so for them Regalia is a downgrade to Millennia.
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331398
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prem4998 wrote:Then Regalia is indeed better for you. But many don’t use lounge access and do online shopping mostly so for them Regalia is a downgrade to Millennia.
If you are speaking only in terms of cashback as redemption option then millennia does have a higher reward rate, but now with 5x reward points on regalia and 4000RP/month limit regalia will give better overall reward rate (except cashback ) .
https://cardmaven.in/hdfc-bank-regalia-vs-mille...
It totally depends on how you want to redeem the points.
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331447
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SnippierJoker wrote:If you are speaking only in terms of cashback as redemption option then millennia does have a higher reward rate, but now with 5x reward points on regalia and 4000RP/month limit regalia will give better overall reward rate (except cashback ) .
https://cardmaven.in/hdfc-bank-regalia-vs-mille...
It totally depends on how you want to redeem the points.
Yes, in terms of cashback, I am getting 2%-3% easily on my spends including other benefits.
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331550
How mastercard ?
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8331561
Kal_El wrote:How mastercard ?
My Regalia is a Mastercard (got it before the ban). So any upgrade will also be MC.
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8333248
I also have similar case. Will staybwith regalia because my purchases are not on monthly basis but generally bulk ones at a time. If i go for millennia, there is a capping of 1000 points which is not the case for regalia. Consistent spenders can use millennia otherwise regalia is a better option
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8334418
i asked CC to convert my regalia to LTF as i already spend 90k in 3 month and they said it will reflect in 3-6 month or before next year. and they said i am eligible for INFINIA upgrade which is not LTF. is there any benefit going to paid INFIA vs LTF regalia?
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8334486
hemant_111 wrote:i asked CC to convert my regalia to LTF as i already spend 90k in 3 month and they said it will reflect in 3-6 month or before next year. and they said i am eligible for INFINIA upgrade which is not LTF. is there any benefit going to paid INFIA vs LTF regalia?
I would take paid Infinia with both hands. The points will make up for the fee easily.
Btw: can you see this upgrade on Netbanking? And what is your Credit Limit on Regalia?
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8334596
I can’t apply for a credit limit or upgrade as my card was upgraded in Nov only. My regalia limit is 5.5 lac
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8334605
hemant_111 wrote:i asked CC to convert my regalia to LTF as i already spend 90k in 3 month and they said it will reflect in 3-6 month or before next year. and they said i am eligible for INFINIA upgrade which is not LTF. is there any benefit going to paid INFIA vs LTF regalia?
Sirji cc number do..my dad has 11L limit will try luck with Infinia
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8334812
they need to talk with their Relationship manager, i have salary account with HDFC so they assigned me a RM and i connect with her for any issue
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8334858
I too received same upgrade option. Not getting ltf is a setback 
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8334865
hemant_111 wrote:i asked CC to convert my regalia to LTF as i already spend 90k in 3 month and they said it will reflect in 3-6 month or before next year. and they said i am eligible for INFINIA upgrade which is not LTF. is there any benefit going to paid INFIA vs LTF regalia?
If you travel abroad a lot(even 5-6 trips a year) then blindly go for it.
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8334922
how to check this thing please tell
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8335424
Does anyone confirm infinia renewal gives 12500 reward points??
It is there on HDFC website..
But need confirmation
@hemant_111
@Spiderguy252
@Fanil
@Rohhitt
@prem4998
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8335767
TigerZindaHay wrote:how to check this thing please tell
Through NetBanking bro
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8335815
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Spiderguy252 wrote:I would take paid Infinia with both hands. The points will make up for the fee easily.
Btw: can you see this upgrade on Netbanking? And what is your Credit Limit on Regalia?
Bro can you please explain it with calculation / example that how points make up for 14750₹ annual fees ?
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8336078
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sujith8786 wrote:Through NetBanking bro
Flowchart please
https://www.desidime.com/discussions/how-does-this-hdfc-upgrade-make-sense?page=1#post_8336190
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TigerZindaHay wrote:Flowchart please
Login to NetBanking..
Cards..
Now on the left side…click Request..
Credit card limit enhancement
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