How does this HDFC Upgrade make sense?

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Spiderguy252

I have an LTF Regalia and just received this card upgrade offer. 

https://cdn0.desidime.com/attachments/photos/753666/medium/8331247ebXm4oJ.png?1647928007

Why would anybody bite into this? ie: take a paid version of an inferior card?

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Deal Lieutenant Deal Lieutenant
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Doesn’t make sense, if itis not LTF

Deal Subedar Deal Subedar
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It’s indeed an upgrade and a superior card than Regalia but not in paper.

Deal Lieutenant Deal Lieutenant
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prem4998 wrote:

It’s indeed an upgrade and a superior card than Regalia but not in paper.

If LTF and the person has good spends i agree with you

Deal Newbie Deal Newbie
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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).

Deal Lieutenant Deal Lieutenant
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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.

Cool Cool
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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.

Deal Cadet Deal Cadet
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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

Deal Newbie Deal Newbie
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jain01010199 wrote:

Millenia also has lounge benefits right

Limited to 2 a quarter, only domestic and not on Add-Ons.

Deal Subedar Deal Subedar
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decideaim wrote:

If LTF and the person has good spends i agree with you

Yep, good online spends plus1

Deal Subedar Deal Subedar
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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.

Cool Cool
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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. 

Deal Subedar Deal Subedar
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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.

Deal Subedar Deal Subedar
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How mastercard ?

Deal Newbie Deal Newbie
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Kal_El wrote:

How mastercard ?

My Regalia is a Mastercard (got it before the ban). So any upgrade will also be MC.

Hotshot Hotshot
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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

Deal Cadet Deal Cadet
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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?

Deal Newbie Deal Newbie
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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?

Deal Cadet Deal Cadet
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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

Hotshot Hotshot
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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

Deal Cadet Deal Cadet
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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

Deal Cadet Deal Cadet
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I too received same upgrade option. Not getting ltf is a setback confused

Deal Subedar Deal Subedar
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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.

Deal Cadet Deal Cadet
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how to check this thing please tell

Deal's Advocate Deal's Advocate
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TigerZindaHay wrote:

how to check this thing please tell

Through NetBanking bro

Deal Cadet Deal Cadet
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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 ?

Deal's Advocate Deal's Advocate
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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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