Best debit card

HDFC easy shop platinum 1% upto 750 per month, DCB gone

kaviarasu wrote:

HDFC easy shop platinum 1% upto 750 per month, DCB gone

Isnt millenia card better than this?

kaviarasu wrote:

HDFC easy shop platinum 1% upto 750 per month, DCB gone

750 annual charges???

kaviarasu wrote:

HDFC easy shop platinum 1% upto 750 per month, DCB gone

Please correct if I m wrong,
as per the HDFC site, they have mentioned,
No cashback points for all other categories apart from the ones above.

Did you mean, credit card bills payment thru Amazon/cred fall under utilities merchant code(MCC) and eligible for 1% cashback

https://www.hdfcbank.com/personal/pay/cards/deb...

SunnyKh wrote:

750 annual charges???

You get this card free with max savings acc which need 25k min balance. Millenia debit card will not be free even if you maintain 50k balance(confirmed personally) though you can likely get millenia credit card ltf but only if you have the income proof/existing hdfc customer for 1 yr+ with good history.
@rohit_agarwal

SunnyKh wrote:

750 annual charges???

Yes…750 + gst = 885

Also,
Saw in a topic that, SBI debit card also gives 0.25% cashback as reward points.

Not able to redeem reward points from SBI rewardz, it’s showing as green reward points.

Please tell how to redeem points as gift cards or mobile recharge.

https://rewardz.sbi/content/ov...ew

use this trick – FREE Credit card to Credit card Payment Trick

https://www.desidime.com/discussions/free-credi...

SunnyKh wrote:

750 annual charges???

for me free with HDFC salary account

uuv wrote:

Also,
Saw in a topic that, SBI debit card also gives 0.25% cashback as reward points.

Not able to redeem reward points from SBI rewardz, it’s showing as green reward points.

Please tell how to redeem points as gift cards or mobile recharge.

https://rewardz.sbi/content/ov...ew

I redeemed 500 points for 125 Amazon GV. Use Yono App for redemption

guest_999 wrote:

You get this card free with max savings acc which need 25k min balance. Millenia debit card will not be free even if you maintain 50k balance(confirmed personally) though you can likely get millenia credit card ltf but only if you have the income proof/existing hdfc customer for 1 yr+ with good history.
@rohit_agarwal

I have millennia debit card free….. I have classic account and never paid any debit card fee.

rohit_agarwal wrote:

I have millennia debit card free….. I have classic account and never paid any debit card fee.

Yes I have it with max saving account for free

guest_999 wrote:

You get this card free with max savings acc which need 25k min balance. Millenia debit card will not be free even if you maintain 50k balance(confirmed personally) though you can likely get millenia credit card ltf but only if you have the income proof/existing hdfc customer for 1 yr+ with good history.
@rohit_agarwal

I have max with millenia. Best thing was mobikwik cc payment use to give 2.5% cb not even 1%. But max limit was 400 instead of 750 in easyshop.
Revealing now that mobikwik is no more. Haha

jambui wrote:

I have max with millenia. Best thing was mobikwik cc payment use to give 2.5% cb not even 1%. But max limit was 400 instead of 750 in easyshop.
Revealing now that mobikwik is no more. Haha

if mobidik is back, then you will have to delete this post
also you paid 500+gst for this?

saitama wrote:

if mobidik is back, then you will have to delete this post
also you paid 500+gst for this?

Naa, free with max.

rohit_agarwal wrote:

I have millennia debit card free….. I have classic account and never paid any debit card fee.

1 Lakh min balance in savings acc, yes I know about it but the site doesn’t explicitly say you will get millenia debit card. Maybe it depends on branch.

SandeepBhaiya wrote:

Yes I have it with max saving account for free

How did you get it, when I opened max savings acc I specifically asked for millenia debit card & was refused. I was even willing to keep 50k there but still the acc opening person told me there is no provision for giving millenia debit card free.

guest_999 wrote:

How did you get it, when I opened max savings acc I specifically asked for millenia debit card & was refused. I was even willing to keep 50k there but still the acc opening person told me there is no provision for giving millenia debit card free.

You can apply via net banking

SandeepBhaiya wrote:

You can apply via net banking

I know but are you saying if I have a max savings acc & I apply via netbanking for millenia debit card then system will show the annual fee as zero.

guest_999 wrote:

1 Lakh min balance in savings acc, yes I know about it but the site doesn’t explicitly say you will get millenia debit card. Maybe it depends on branch.

In debit card upgrade page, you can see free for classic customer…

Note- now page not working, they are not accepting new upgrade online.

rohit_agarwal wrote:

In debit card upgrade page, you can see free for classic customer…

Note- now page not working, they are not accepting new upgrade online.

I got it via net banking

SandeepBhaiya wrote:

I got it via net banking

I guess it was working earlier but not now.

guest_999 wrote:

I guess it was working earlier but not now.

Yeah maybe I applied via net banking for upgrade there were no charge mentioned.

@saitama @kaviarasu @rohit_agarwal @danishali2020443
@jambui @danishali2020443 @guest_999 @nimod @Snikeus
@caks2006407 @rogerthat @_One_Miller_ @Desi @nimod @BlueFlash @Simbha3
@Atlantic @rohan8397 @guest_999 @getready @F7-Dimer-Primer @Tejaa
@A.M.A.Z.O @kirandr221996 @JaffaReddy @drupal @Alexios

Sorry for tagging so many experts.. but i needed your opinions.. Hope you guys can share
the insight on the same if any
Guys the option is still available for the Debit card upgrade on the HDFC netbanking
There is change in certain thing that how you have to apply for upgrade now
First you have to block the present card and then raise the request for the new card
This is what the HDFC bank guys told me today on my personal visit.
I am not sure if i will be charged any fees for the card upgrade for a Salary account
The Bank Manager was telling to the officer explaining me the process very casually that
Yeah there shouldn’t be any charges as Millenia is very low end Debit card
some nominal charges like 200-300 may be there as i am taking a different variant now
So before blocking my present card and applying for the new millenia card i need your views
whether i should stick to the HDFC Smartbuy easyshop card or I should switch to Millenia
or is there any other better Debit card available with HDFC.

Some calculation for the Smartbuy vs Millenia
Smartbuy Easyshop card 400 RP on spend of 40000 (to acheive the limit of 750 spend required is 75k)
Millenia 400 RP on spend of 8000 Only

beastboy wrote:

@saitama @kaviarasu @rohit_agarwal @danishali2020443
@jambui @danishali2020443 @guest_999 @nimod @Snikeus
@caks2006407 @rogerthat @_One_Miller_ @Desi @nimod @BlueFlash @Simbha3
@Atlantic @rohan8397 @guest_999 @getready @F7-Dimer-Primer @Tejaa
@A.M.A.Z.O @kirandr221996 @JaffaReddy @drupal @Alexios

Sorry for tagging so many experts.. but i needed your opinions.. Hope you guys can share
the insight on the same if any
Guys the option is still available for the Debit card upgrade on the HDFC netbanking
There is change in certain thing that how you have to apply for upgrade now
First you have to block the present card and then raise the request for the new card
This is what the HDFC bank guys told me today on my personal visit.
I am not sure if i will be charged any fees for the card upgrade for a Salary account
The Bank Manager was telling to the officer explaining me the process very casually that
Yeah there shouldn’t be any charges as Millenia is very low end Debit card
So before blocking my present card and applying for the new millenia card i need your views
whether i should stick to the HDFC Smartbuy easyshop card or I should switch to Millenia
or is there any other better Debit card available with HDFC.

Easyshop is better imo..

A.M.A.Z.O wrote:

Easyshop is better imo..

plz share some details for the same bro..
Why and How..

beastboy wrote:

Millenia 400 RP on spend of 8000 Only

How do you get this 400RP for 8K spend ?
I couldn’t find it anywhere

beastboy wrote:

@saitama @kaviarasu @rohit_agarwal @danishali2020443
@jambui @danishali2020443 @guest_999 @nimod @Snikeus
@caks2006407 @rogerthat @_One_Miller_ @Desi @nimod @BlueFlash @Simbha3
@Atlantic @rohan8397 @guest_999 @getready @F7-Dimer-Primer @Tejaa
@A.M.A.Z.O @kirandr221996 @JaffaReddy @drupal @Alexios

Sorry for tagging so many experts.. but i needed your opinions.. Hope you guys can share
the insight on the same if any
Guys the option is still available for the Debit card upgrade on the HDFC netbanking
There is change in certain thing that how you have to apply for upgrade now
First you have to block the present card and then raise the request for the new card
This is what the HDFC bank guys told me today on my personal visit.
I am not sure if i will be charged any fees for the card upgrade for a Salary account
The Bank Manager was telling to the officer explaining me the process very casually that
Yeah there shouldn’t be any charges as Millenia is very low end Debit card
some nominal charges like 200-300 may be there as i am taking a different variant now
So before blocking my present card and applying for the new millenia card i need your views
whether i should stick to the HDFC Smartbuy easyshop card or I should switch to Millenia
or is there any other better Debit card available with HDFC.

Some calculation for the Smartbuy vs Millenia
Smartbuy Easyshop card 400 RP on spend of 40000 (to acheive the limit of 750 spend required is 75k)
Millenia 400 RP on spend of 8000 Only

Millenia gives 5% cashback only on shopping via payzapp and smartbuy upto Rs 400. Somebody who has used millenia debit card to pay cc bill can update if they have got 5% cashback.

nimod wrote:

How do you get this 400RP for 8K spend ?
I couldn’t find it anywhere

Its actually not direct reward points on 8k spend..
its for credit card bill payment rewards..
so if we pay a credit card bill of 8k.. will will get 400 RP (5% of 8k) = 400 rupee cashback
there are two similar topics..
best debit card.. i.e. this one
and best debit card for credit card payments…