HDFC Credit card upgrade (regalia to millennia)

You should have mentioned "downgrade"... Yes definitely a better deal. Instead of the flattering name, regalia offers and benefits none except who travel abroad. Shake off the projected fake flaunt value, you're doing it right.

Intermiles is considered cobranded, right? Hence, 2 cards...

Millennia is projected as "premium" card by HDFC while Regalia as a top offering over it... it's how they see. If paid, yearly fees are also double of Millennia, maybe that's why.

There is a difference between Regalia nd Regalia First (this is no longer offered)
https://v1.hdfcbank.com/cctracker/cc/tools/comp...

"Regalia" is a super premium card as considered by HDFC, whether "first" or second (joke), hardly matters...

But based on yearly fee, it's the same 1k for millennia and regalia first...

I too think having read they discontinued "first", anyway confusions are clear now. Proceeding to millennia would be an ideal decision.

For intermiles (cobranded) ask them if they'd give you tata neu card or rupay bpcl if you need fuel benefits. @chiraggyl170

Even I have Regalia First and planning to convert it to Millenia as this would be the ideal option for not so frequent travelers

I'm getting following offers:

• FIRST YEAR FREE: Spend Rs 1.5 lakhs in first 90 days
• Annual Fee: Rs 10,000, annual fee waiver on spends of Rs. 5 Lakh/year

• FIRST YEAR FREE: Spend Rs 75,000 in first 90 days
• Annual/Renewal Fee: Rs 2,500
• ANNUAL FEE WAIVER: Spend Rs. 3 Lakh in a year

Any suggestion if they are worthy offers? Already have regalia first LTF.