Millennia upgrade offer

I am currently using Hdfc moneyback+ card, yesterday I got offer to upgrade it to Millennia card.

But the only thing is that my Moneyback plus is LTF and Millennia will be paid. So don't know if it is worth upgrading. I am aware about the moneyback plus curse, people don't get upgrade offer and are stuck with moneyback.

Also I come in this organisation that have tie-up with HDFC Bank and many colleagues have it LTF.

So should I take it now, or wait and see if they offer it as LTF.

I have other cards as well. Apay, Pixel play, Airtel, Coral. All LTF expect Airtel.

My salary account is with HDFC as well and my moneyback card is like 9 months old and it has had good transactions. Also initially I had 50k limit then they increased to 1,20,000 then to 1,31,000.

If your expenses through millenia will cross 1 lakh per year, which is easy to achieve, then your fees will be waived off.

Alternately, you request your RM and tell your company name and request for LTF as part of tie up. They are generous in case of tie up.

marshal said:

If your expenses through millenia will cross 1 lakh per year, which is easy to achieve, then your fees will be waived off.

Alternately, you request your RM and tell your company name and request for LTF as part of tie up. They are generous in case of tie up.

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Yes i am aware of the low waiver criteria.

I don't have a RM, any other alternatives?

shivtej said:

Yes i am aware of the low waiver criteria.

I don't have a RM, any other alternatives?

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Since your salary account is with HDFC, it is of high chance to be a classic account nd Classic account have RM assigned, just logon to your netbanking via browser and assigned RM will be visible.

BisMaj007 said:

Since your salary account is with HDFC, it is of high chance to be a classic account nd Classic account have RM assigned, just logon to your netbanking via browser and assigned RM will be visible.

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It is a regular account not classic.