Hdfc cc upgrade offer related query

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Desidime User

Hi

I am getting upgrade offer from moneyback to millennia cc. 

My question is 

if i apply, then i guess i will get millennia cc with new number.

1. Moneyback cc is ltf. So millennia cc also lft or paid card?

2.My moneyback card is linked to hdfc smartbuy gyftr instant vouchers site. So with new cc, will i be able to purchase amazon voucher and other vouchers?

3.for moneyback cc, they are giving 5% cb for buying vouchers in smartbuy gyftr. Then with millennia cc,how much will i get? Only 5% or 5% + 1% ? ( i read in old threads about this)

4.for millennia cc, will they charge for redeeming cash points?

5. Is there any cap for rp?

6. If customer spend 1L in calender quarter, then hdfc will give 1k voucher. Is az or fk vouchers available to choose?

7. Gold puchase, education fee, insurance payments eligible for cashback?

8. If i get this cc now, in future, are there any chances to get infinia easily?

Thank you

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28 Comments  |  
11 Dimers
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Generous Generous
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1) charges will be mentioned

U can request for ltf after few months

2)yes

3)5+1%

4)no

5)yes,5% upto 1000 per calender month on certain merchants and 1% upto 1000 on others

5)both available
6) no idea but wallet reload gives 1% cashback

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Thank you. Will they check cibil score?

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Generous Generous
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7) no idea but wallet reload gives 1% cashback

Millennia DC gives 1% on Wallet Load but not Millennia Cc Right ?

Generous Generous
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Both gives 1% on wallet reload

Finance Mentor Finance Mentor
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1. Check your offer, they show fees if any in the upgrade link. You may email them and ask for LTF upgrade and ask for criteria to fulfill to get LTF...

2. Surely

3. 5+1%

4. No charges for redemption (better convert to statement credit)

5. 1k for 5% 1k for 1% per calendar month. Min. 500 required for redemption.

6. Yes, available but don't wait much after getting reward claim link.

7. Yes at 1%

8. You'd need a profile like that along with >10L existing limit etc, such other criteria for infinia, don't run after it, it should come if you deserve or if your existing income profile satisfies that.

Deal Subedar Deal Subedar
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How to redeem for statement credit? Will it be considered as payment if the statement is already generated?

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@Agnivo007 how much salary we need to get infinia?

Finance Mentor Finance Mentor
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Not sure, not running after it but heard >12L PA or overseas spends needed or if business, considerable IT returns needed, also some very old CC relationships get the upgrade gradually if CL is high...

Use redemption link in netbanking under cards, yes counted as payment... @Demon_slayer also smartbuy 5% (separate 1k quota/month) comes as statement credit directly after 2-3 days of txn...

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@Agnivo007 one of the dimers said hdfc issue 2 cc in another thread. how to get 2nd card? Already visited branch and contacted cc. But they are not accepting.

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My money back is 250/yr. Getting offer for millenia 1000/yr. Will they convert to ltf after getting millenia n requesting

Finance Mentor Finance Mentor
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Ask before by email if they have any conditional LTF offer...
Deal Subedar Deal Subedar
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I need help guys. I hold Moneyback for around 1.5 years now. I was given the card with mere limit of only 28k, a few months ago i was given an limit enhancement of 6k which resulted in total limit of 34k. I hold cards from other banks as well with a limit between 1 Lakh to 5 Lakh. In Tataneu app, i am getting the option for LTF card for both Infinity and plus, but when i am proceeding forward, i being given only the plus variant with a shared limit of 34k. I want the Infinity version. I have tried sending income documents to HDFC Chennai HO. but they denied my increase request citing weird reasons. What choice do i have? Should i close the above card and apply for fresh again?  The above card is LTF. I am a salaried individual with gross salary income of more than 11 Lakh. Any suggestion is appreciated.

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Got millennia cc. Is there any welcome/ 1st txn offer?

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For all txns, like gyftr purchases, az purchases, offline spends etc, when will they credit cash points?

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@sendhil.warrior304

My millennia cc is paid cc, how to convert it to ltf

Do u ve any idea?

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I got as ltf applied via agent, u can mail and ask for ltf conversion 
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All trxns should fetch cashpoints
Generous Generous
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Nope
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