which LTF card is better ?
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Which LTF is better HDFC millenia , Regalia or Infinia

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chotabaxxa800

Hi.

which LTF card is better amongst Millenia , Regalia and Infinia for salaried person with Income > 50k per month.

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Deal Cadet Deal Cadet
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Obviously Infinia.

Regalia vs Millennia should be an interesting battle. I personally have Regalia LTF and think it's better because of 12 Lounge access without a quarterly limit, and Priority Pass benefits available to add-on members as well.

Millennia might be better for online shopping etc.

Critic Critic
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@BlueFlash

How much NRV for making a push for Infinia?

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@cadence

If you already have a cc with them, then nrv doesn't matter much, it's more about existing credit limit and your spends on that card; however if you indeed have a high nrv too, but say a less credit limit or spends on the existing card, or lets say you don't have any card itself, but just banking relationship, then I feel something like 15L+ nrv should be fine to push RM to get it for you; the reason is that I have heard of people getting Infinia directly by making a FD of 10-15L (the card is unsecured only, the fd is just for the nrv) on cardexpert website.

P.S: It will be paid only in most cases; ltf ones ka I have no idea, last year during ban, they randomly gave ltf Infinia to a lot of of lucky folks (some dimer even got ltf upgrade from his Reglia with just 3L limit), not sure what the algo was in those cases.

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@catchchirag

i have a few guys holding 2 cards that i wanted to know how they got 2 

Deal Cadet Deal Cadet
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@hackerboys A loophole in the system that some well informed RMs/BMs are able to exploit. In addition, the 2 cards should be in 2 different payment networks (Visa/MC/Rupay/Diners).
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Deal Cadet Deal Cadet
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Obviously Infinia.

Regalia vs Millennia should be an interesting battle. I personally have Regalia LTF and think it's better because of 12 Lounge access without a quarterly limit, and Priority Pass benefits available to add-on members as well.

Millennia might be better for online shopping etc.

Deal Cadet Deal Cadet
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Millenia seems to have  more simpler reward structure.

My usage would be mostly Online and offline POS.

No use of Lounge access at airport.

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Benevolent Benevolent
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Good luck getting LTF Infinia with salary of 50K per month .

Millennia card is better than regalia (Ignoring the lounge programs)

Deal Cadet Deal Cadet
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Haha..

whats the general eligibility criteria for Infinia ( Ltf and non Ltf) ?

checked Hdfc website , they show only its  invite based only.



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Super Stud Super Stud
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Millenia if you don’t travel much, HDFC best card none can beat period…

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offtopic : how can i get 2 hdfc cc ??

Deal Cadet Deal Cadet
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My friend was working in HDFC CC Product department. HDFC doesn’t issue more than 1 CC to a single person. You can upgrade or downgrade but can’t hold two different types of HDFC CC on same name

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Deal Cadet Deal Cadet
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whats the criteria to get upgrade to Millenia? Im having Regalia First. Im getting only limit enhancement offer but not getting any card upgrade

Deal Cadet Deal Cadet
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What is your existing limit, and what is the new limit offered?
In HDFC, you should accept limit enhancement offers every step of the way to be on the upgrade path.

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Deal Cadet Deal Cadet
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Oh good Lord , enlighten us with the secret to upgrade to infinia or any other card better than Moneyback😄

Deal Cadet Deal Cadet
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You will not be stuck with Moneyback forever. If you use the CC normally, you will get upgraded every year or so.

In the world of banking and credit cards, never chase products before they come to you - it will always be to your financial detriment.
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