for point 5th, If you close the card in the 11th month, you will not be charged with the fees. And closing the oldest card may decrease some points in credit score, but I believe it won't be much, since you have the same age card as well.
You never know, decreasing the number of debt cards also has a possibility of increasing the credit points.
For point 4th, I think Millenia gives 5% cashback on Amazon and Flipkart spends, so you can use the card to buy the Amazon gift voucher and Flipkart Gift voucher, using the Amazon and Flipkart website itself and sell it on this forum trading section in some discount.
The normal rate of trading section for AGV is 2-3% and FK GV is 4-5%.
and if you buy Flipkart GV using Flipkart via HDFC Smartbuy, I think the cashback will be even go as high upto 6-7%.
Can you please share the link or documents where all this is mentioned. After merger of HDFC , all old TnC are updated and effective from 1 Aug 2023. And few are in Sep. For credit card 1 Sep is the date mentioned
For the 3rd point, I don't think it's possible but I heard if you call customer care to raise a request for card cancellation, they sometimes waive off card renewal fees and even make it LTF.
You can even tell them that your last card was LTF and after upgrading it has some fees, and maybe try asking them to downgrade again to LTF moneyback (if you don't have enough use of this card, and think to cancel this card after a year)
Okay, will do this.
😂 if they won't give any offer to make it LTF then will try this.
Also read that CC is straightforwardly accepting card closure request instead of making it free. So tell me the best way to convince them on a call.
I got the same upgrade offer but I'm not gonna upgrade my LTF card to paid one.
Thanks a lot Bro for the reply and support. It would be a great help if you can share the exact process to force the bank to convert the Millennia card LTF? Share mailing details if needed.
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For point 4th, I think Millenia gives 5% cashback on Amazon and Flipkart spends, so you can use the card to buy the Amazon gift voucher and Flipkart Gift voucher, using the Amazon and Flipkart website itself and sell it on this forum trading section in some discount.
The normal rate of trading section for AGV is 2-3% and FK GV is 4-5%.
and if you buy Flipkart GV using Flipkart via HDFC Smartbuy, I think the cashback will be even go as high upto 6-7%.
For 2nd point, I don't think you can do anything, just sit back and relax enjoying the card, it's one of the best cards for online shopping on amazon/Flipkart.
Who knows you might get another upgrade/LTF offer within a year.
For 1st point, it looks true, my friend also got the same offer as you. He had moneyback LTF and got millennia FYF, he was very happy to get it, as the cashback rate is very attractive if you do a lot of shopping.