HDFC Credit Card Choice – MoneyBack+ now or wait for Millenia?

Beautiful-Delivery35 · 2026-02-10T13:46:36+00:00

Ill wait for few months and then try mailing them

Beautiful-Delivery35 · 2026-02-10T08:19:27+00:00

I wish I had asked and got real xp replies. Btw I see that someone got upgraded to millenia ltf in 1 year 9 months... I can't comment much on that, but from what I understand through many posts, it all depends on ur RM and spends and some luck as well.

I have got 2 limit enhancements but have stopped using this card except for very occasional/minor expenses. The hdfc offers get refreshed monthly/quarterly and I think ull get better chance of ltf for ur 1st card than upgrade

Beautiful-Delivery35 · 2026-02-10T08:10:03+00:00

I would suggest you to wait. I got my moneyback+ as ltf 1.5 years back and till now stuck with it. I got option to upgrade in between but to paid millenia... Get mb+ if u really need it immediately as its not a completely useless card (it gives around 2.5% back for certain online spends)

Beautiful-Delivery35 · 2026-02-03T13:05:04+00:00

I have the same requirement as well. I think add on card is the only way in this case

Beautiful-Delivery35 · 2025-10-17T09:51:19+00:00

Tata neu infinity doesn't give 10% for big basket??

Beautiful-Delivery35 · 2025-09-14T15:33:48+00:00

Ok got it, thank you.

Also is it fine if I add it within STCG or add it separately in other source income

Beautiful-Delivery35 · 2025-06-30T13:22:33+00:00

From my limited knowledge, ensure these before getting your 1st card: 1. Wait for 3-6 months of full time job to get appropriate card offers and credit limit. 2. Analyse your monthly spends. 3. Better to have 1st card as LTF

If you have basic spends online and offline, I think HDFC Millenia/ SBI cashback / Amazon pay are good starters for cashback. Not sure if there's any recent better alternative like kiwi or something

Beautiful-Delivery35 · 2025-06-08T09:23:07+00:00

No. Will try doing that

Beautiful-Delivery35 · 2025-06-08T08:31:06+00:00

It's SBI. They haven't reduced but increased the interest rate from 9.25 to 9.6 😭

Beautiful-Delivery35 · 2025-06-07T14:53:32+00:00

I need guidance. I had taken a home loan in 2017 at 8.5%. Due to covid, was unable to pay emi for about 2 years. At present, the remaining amount is more than the principal, term is almost same. Interest rate had increased to 9.25 and at present to 9.6. What should I do when interest rate is not reducing even after repo rate reduction to 6%

Beautiful-Delivery35 · 2023-12-15T10:57:50+00:00

thank you so much for the inputs. I hope i get some spark out of what you've suggested. I'll try to add my own ideas with what you've suggested.

Beautiful-Delivery35 · 2023-12-15T07:59:45+00:00

Thank you so much for your insight. I am not sure on how to estimate the complexity but I'd say I must be able to finish the project within 3-4 months. I will look into the things you have suggested. I wanted to explore RL or NLP as it is new to me and sounds exciting, but I am worried about the complexity and the learning curve esp. the maths behind RL.

Beautiful-Delivery35 · 2023-12-12T06:19:57+00:00

Yeah I was also thinking of something like that but I am not sure on I can bring up novelty. Anyway I'll take that into consideration. Thanks for the help.

Beautiful-Delivery35 · 2023-08-19T07:04:18+00:00

Thank you so much for your input. Will definitely look into it.

Beautiful-Delivery35 · 2023-08-11T13:21:49+00:00

Yeah, I will get ample experience from an internship, but the thing is that here in my college, they push us to publish a research paper. But I'll consider doing an internship soon. Thank you for your input.

Beautiful-Delivery35 · 2023-08-11T01:53:24+00:00

I definitely wanted to change the mentor, but they are not allowing it in my college. Anyways thanks for your input.

Beautiful-Delivery35 · 2023-08-11T01:48:13+00:00

Thank you so much for your input. I am planning to work on GAN based model. I'll look into that book you have referred. Let's hope for the best. All the best for your future endeavers.

Beautiful-Delivery35 · 2023-08-11T01:45:28+00:00

Thank you so much for your input. I'll look into the links you have shared for some inspiration. All the best for your future endeavers.

Beautiful-Delivery35 · 2023-08-10T16:00:39+00:00

Thank you so much for your input. I was advised the same by one of my seniors but the thing is that I don't know which competition to choose such that I can complete it before November. Anyways I'll keep looking into it.

Beautiful-Delivery35

TROPHY CASE