HDFC CC: LTF Moneyback vs FYF Millenia

141°
Deal Cadet
Aksh3213

Hello dimers,

As the title suggests, I have LTF Moneyback cc and getting upgrade to Millenia.

I always wanted to get Millenia CC but I ain't able to decide if it makes sense anymore. I have paid FK Axis which takes care of my purchases on FK.

Kindly provide your valuable suggestions and should I think about closing FK Axis. 

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Deal Cadet Deal Cadet
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Take Millennia, use well for 6 months. Then ask them to convert to LTF, they should easily do.

I recently applied online & it showed joining & annual fee during process

I mailed them to convert to LTF & they said it's already LTF 😂

26 Comments  |  
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Wingman Wingman
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I guess take millenia as it replaces fk axis, icici Amazon, SBI cashback.

After 1 year u get ask for ltf

Deal Cadet Deal Cadet
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Take Millennia, use well for 6 months. Then ask them to convert to LTF, they should easily do.

I recently applied online & it showed joining & annual fee during process

I mailed them to convert to LTF & they said it's already LTF 😂

Deal Cadet Deal Cadet
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Lmao congrats buddy! 

On that note, I'll apply for millenia too😆

About how many days did you used before mailing them and what was your usage pattern? 

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Deal Hunter Deal Hunter
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Millennia is better card than panautiback card any day.

Deal Cadet Deal Cadet
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Agree bro 😂 but millennia is chargeable 😬

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Generous Generous
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Go for millennia card even if it's paid

There is always a possibility no matter how slim it may be to convert into LTF

Heart of Gold Heart of Gold
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Take millennia otherwise you'll stuck with Moneyback credit card forever.

Deal Cadet Deal Cadet
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Even I am in similar situation, i've got the Millennia card however didn't activate the card yet and waiting for them to call before 30 days so that i can ask for LTF

Deal Cadet Deal Cadet
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Do update us here. 

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Mobile Guru Mobile Guru
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Upgrade ASAP else you will be stuck with Moneyback forever.

Was stuck with MB for 12 years but finally received a Regalia Gold upgrade last week; immediately applied and got the card yesterday..

Deal Cadet Deal Cadet
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Done bro.

However I didn't received any confirmation sms or mail from their side. Is there any way to check status or know that it's been confirmed?

An approved message did flash after submitting the otp. 

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Deal Cadet Deal Cadet
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And here i am.. having a Regalia LTF and the HDFC team says, they cant it even convert it to Millenia LTF 😒

Deal Cadet Deal Cadet
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Even i converted LTF Moneyback to FYF Millenia this year. Had once mailed for LTF conversion, they denied. Waiting for some more time before retrying.

Deal Cadet Deal Cadet
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I have read somewhere, Moneyback is a curse 🤣

Deal Cadet Deal Cadet
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Hope I break the curse and millennia gets approved lol🤞🏼

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