HDFC Moneyback to Millenia upgrade

[Raghav]

Hi. It has been almost an year I have been using hdfc Moneyback+ ltf credit card. I now have an upgrade offer to Millenia but it's not ltf. Should I upgrade or wait for Millenia ltf offer?

 

[ShahilD]

If you’re going to earn more cashback than the annual fee with the Millennia card, then go for it without hesitation. If your spending isn’t high, stick with the Moneyback Plus. However, if you desperately need better cashback offers since the MB+ doesn’t provide attractive ones, you can reach out to them via email or contact your relationship manager. Overall Millennia is a good card for online cashbacks although the merchant options are limited and no Longue access