Moneyback to millenia upgrade doubt

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Deal Subedar
vivek7460

Got eligibility to upgrade to millenia hdfc been using moneyback for almost 1.5yr.Qsn is…is it beneficial my moneyback is LTF but millenia 1st yr free from second yr didn’t mention charges but in order to get fee waiver i have to make spendings upto 8lacs( text as mentioned on the hdfc app).And one more thing i have 2468 points lying in my moneyback card what happens to them if i upgrade.Shld i go for it or else no.Help me with this information.Thanks in advance.

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Deal Subedar Deal Subedar
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Millennia has 1 lac spend waiver criteria not 8Lac .Get the upgrade asap  much better that pos moneyback 

When you upgrade the points will be transferred to the new card account . Certain points are lost in conversion due to diff reward structure 

You can also redeem 1st then upgrade 

https://www.hdfcbank.com/personal/pay/cards/mil...

Critic Critic
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Almost all hdfc cards can be made free by way of adding smartpay billers option & paying some utility bills once every quarter.

Deal Cadet Deal Cadet
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business money-back give 5% cashback on bill payments

Deal Cadet Deal Cadet
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i have regalia card

i have upgrade offer to millenia card 

showing annual fee as 1000 didnt mentioned is it for 1st year or for second year onwards

i have 9620 reward points which equals to 1920 cash

if i upgrade the reward points transfered to millenia was only 4810 points(50%)

my doubt is generally in millenia card 1 reward point = 1 rupee (may be i am wrong)

if i upgrade the card those 4810 will be 4810 rs or how those reward points are valued

what shld i do ?

shld i upgrade?

is millennia card better than regalia?

if i shld i upgrade ?

shld i redeem the points first or what shld i do?


Deal Cadet Deal Cadet
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chinturavula983 wrote:

i have regalia card

i have upgrade offer to millenia card 

showing annual fee as 1000 didnt mentioned is it for 1st year or for second year onwards

i have 9620 reward points which equals to 1920 cash

if i upgrade the reward points transfered to millenia was only 4810 points(50%)

my doubt is generally in millenia card 1 reward point = 1 rupee (may be i am wrong)

if i upgrade the card those 4810 will be 4810 rs or how those reward points are valued

what shld i do ?

shld i upgrade?

is millennia card better than regalia?

if i shld i upgrade ?

shld i redeem the points first or what shld i do?


Search " Regalia vs Millennia" on YouTube. In short, if you travel a lot and can use reward points for Flight/hotel, use Regalia. Otherwise, Millennia

Deal Captain Deal Captain
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When u rcvd upgrade notification ?

Deal Subedar Deal Subedar
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sauravDD wrote:

When u rcvd upgrade notification ?

its on hdfc app bro…under cards 

Deal Cadet Deal Cadet
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You should get Millennia credit card if Option is given. Just confirm with CC in mail if your card can be converted to LTF by spend based target (50k in first 90 days).

Now for reward points conversion. They’ll be converted accordingly. For example Money-back 1RP is 0.2₹, Millennia 1RP is 1₹. So if you had 100RP in money-back, then you’ll get 20RP in Millenia. Which you can redeem as 20₹. GK if helps.

Critic Critic
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TigerZindaHay wrote:

business money-back give 5% cashback on bill payments

Practically useless:



https://www.hdfcbank.com/personal/pay/cards/bus...

5% Cashback on Telecom, Utility, Govt & Tax Payments. (Maximum cashback of Rs.250 per statement on minimum monthly spends of Rs.10,000.)​​​​​​​
    Excluding Smartpay & wallet payments
    Transactions classified under specified Merchant Category Code as defined by VISA/Mastercard only
    The benefit is applicable on freshly issued cards, for the first year only. Upgraded cards are not eligible.


    Hotshot Hotshot
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    chinturavula983 wrote:

    i have regalia card

    i have upgrade offer to millenia card 

    showing annual fee as 1000 didnt mentioned is it for 1st year or for second year onwards

    i have 9620 reward points which equals to 1920 cash

    if i upgrade the reward points transfered to millenia was only 4810 points(50%)

    my doubt is generally in millenia card 1 reward point = 1 rupee (may be i am wrong)

    if i upgrade the card those 4810 will be 4810 rs or how those reward points are valued

    what shld i do ?

    shld i upgrade?

    is millennia card better than regalia?

    if i shld i upgrade ?

    shld i redeem the points first or what shld i do?


    I also have regalia and it would be a lie If I told this didn’t cross my mind. Will list out the benefits and then you can decide for yourself.
    Regalia has international lounge access but millennia doesn’t (even domestic lounge access is less in millennia compared to regalia)
    Milestone benefits – get 10k points on spends of 5L and additional 5k points on spends of 8L on regalia. For millennia spend 1L in a quarter and get 1000 voucher.
    Smartbuy benefits – regalia has smartbuy benefits to get 5x points upto 4000(2000 capping in a single day) and millennia has cashback capping of 1000 per month.
    Reward program – 4 points on spends of 150 on regalia(1.33% if redeemed for travel, else 0.7-0.8%)
    5% cashback on preferred merchants(Zomato, amazon, Flipkart etc)
    1% cashback on all other transactions (except fuel) monthly capping of 1000 points . No capping on regalia.

    For travel, regalia is better else it’s a win for millennia.

    Deal Subedar Deal Subedar
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    nice comparison bro.In my case its millenia alone …..showing 1000rs as annual fee.Shld i opt for it 

    Hotshot Hotshot
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    vivek7460 wrote:

    nice comparison bro.In my case its millenia alone …..showing 1000rs as annual fee.Shld i opt for it 

    Yes millennia is much better than money-back. If you think you can’t spend 1L in a year, just add a biller in billpay . Ideally the best valueback on this card is when one spends 4Ls annually (1L/ quarter) but even without that if most of your purchases are on amazon Flipkart Zomato, it’s a no brainer to upgrade. Do note that millennia also gives 1% cashback on wallet spends.

    Deal Newbie Deal Newbie
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    i think you can make ltf by spending 50k in 90 days to make the card ltf

    Deal Cadet Deal Cadet
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    Money back 2468 = 617 millennia  @vivek7460

    I updated the same two month back,  Go for it you will never regret 

    Deal Cadet Deal Cadet
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    How to know if diners millennia card provided is ltf or not?

    Deal's Advocate Deal's Advocate
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    Kim_Jong_jun wrote:

    How to know if diners millennia card provided is ltf or not?

    PriorityRedressal . CreditCards @ hdfcbank . com

    Remove spaces..
    And send mail to them.. and ask for the Ltf status of your card..

    Deal Cadet Deal Cadet
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    2day I received my 2 millenia credit cards

    Mine and mum cards

    Deal's Advocate Deal's Advocate
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    Rakesh1034 wrote:

    2day I received my 2 millenia credit cards

    Mine and mum cards

    Congrats bro…
    Was that an upgrade?

    Critic Critic
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    We wish to inform you that your card is eligible for upgrade to Millennia as a Life time free credit card subject to Smartpay registration.

    What is Smartpay registration?

    Deal Cadet Deal Cadet
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    Sins1995 wrote:

    We wish to inform you that your card is eligible for upgrade to Millennia as a Life time free credit card subject to Smartpay registration.

    What is Smartpay registration?

    You have to register a bill, like a utility bill or something, for automatic payments using your HDFC card.

    Critic Critic
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    starbearer wrote:

    You have to register a bill, like a utility bill or something, for automatic payments using your HDFC card.

    How many days/times I need to pay the bill?

    Deal Cadet Deal Cadet
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    Sins1995 wrote:

    How many days/times I need to pay the bill?

    No idea. Check specific terms and conditions with your upgrade offer.

    Deal Newbie Deal Newbie
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    offtopic…

    how long we have to wait before getting offer for upgrade to millinea from moneyback…

    also, is it true that you can only upgrage to millinea if your limit is more than 1 lakh ?

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