HDFC is aggressively pushing me to upgrade to Regalia Gold from Millenia. I don't feel that it's worth switching from LTF to non-LTF card. Has anyone else made the switch?
I use Bitwarden. It's extremely simple and the extension is non-intrusive. In terms of security, it's open source and well audited.
Tbh, as long as you don't re-use passwords, you should be good with MFA. But a good password manager never hurts.