Upgrade Decision: HDFC Moneyback+ to Millennia Card

Hi all,
I’ve been using the HDFC Moneyback+ LTF credit card for nearly a year. I have an upgrade offer to the Millennia card, but it’s not LTF. Should I upgrade or wait for a Millennia LTF offer?

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@MerlinMathew If the Millennia card offers more cashback than the annual fee, upgrade without hesitation. If not, stick with Moneyback+. For better cashback options, contact customer support. The Millennia card is good for online cashback but lacks lounge access and has limited merchants.

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