Query : Upgrade to HDFC EasyEMI Millennia Card

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Deal Subedar
BhaiMere

Yesterday i got mail from HDFC Bank credit card, “We have upgraded your Credit Card to EasyEMI Millennia Card”
My Query:
1) Shall I confirm it?
2) There is an additional benefit point mentioned i.e. " All transactions of ₹10,000 and above will be auto converted to EasyEMI for 9 months (Processing Fee of ₹99 + GST and ROI of 1.67% per month will be levied). “
Can I stop auto convert emi?
Means I don’t want 2nd query benefit.

Please share your opinion.


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That is just a promotion mail, isnt it?
What is ur variant, dont upgarde.

Deal Subedar Deal Subedar
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I have HDFC freedom credit card

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Deal Subedar Deal Subedar
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If you take this card the first thing I would suggest is to set the sub limit of per transaction to 9900 so even by mistake you won’t be able to do a transaction of 10000+
Apart from that the card is good.

Deal Lieutenant Deal Lieutenant
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sunglasses Nice tip if somebody uses only very low amount for online transactions…

otherwise skip this stupid card… autoconvert to EMI..Need to report to RBI for these lootings…

Deal Subedar Deal Subedar
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Seriously ridiculous customer support from hdfc bank , they entertain their prestigous customers only. My mother having classic saving account got a personal banker assigned who is not ready to entertain my EMI issue.
Don’t know whats wrong with hdfc even after all offices are functional and the personal phone bankers are available , whenever we call on dedicated customer care number it always start repeating the same trash corona outbreak recording.
Fed up of this card.
I applied through payzapp and till now haven’t received the 1500rs gift card ,no proper reward point tracking , God knows even if the cashback come in 90 days or not.
Amazon pay icici and amex is far more better than hdfc.

Critic Critic
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Payzapp reward tracking for their irregular offers(aka anything not always running like billpay or recharge promo codes) is very poor & unless you have saved all the screenshots of offer notification/offer link details/transaction page then it is all a matter of luck whether you will get the reward or not.

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