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HDFC Indian Oil Vs HDFC Millennia CreditCard

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Sunny431

Hi

I don’t have any fuel card and i have applied for HDFC credit card and is eligible to 2 cards, Now i am confused whether to opt for Millennia or India Oil card.
For online shopping, i already have icici amazon pay & Axis bank Flipkart card.

Kindly suggest

Thanks.

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Analyst Analyst
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Most of the fuel cards are just trash; they have 2 major limitations: 1st is that the monthly max cap is pretty low, take HDFC IndianOil as example, the max cap is 150 only (250 in first 6 months); 2nd is that it’s bounded to a particular oil company, so you can use this card only on IndianOil pumps only, and that too the card swipe machine has to be supported, which many times gets messed up.

Better take Millennia and enjoy your shopping spree. For fuel, if you really really want one and if your monthly fuel expenses is like 5K+ then you “may” go for SBI Octane (higher cap, but pretty high annual fee), or RBL Travel Easy (RBL/BajajFinserve has the worst customer care though).

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Analyst Analyst
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Most of the fuel cards are just trash; they have 2 major limitations: 1st is that the monthly max cap is pretty low, take HDFC IndianOil as example, the max cap is 150 only (250 in first 6 months); 2nd is that it’s bounded to a particular oil company, so you can use this card only on IndianOil pumps only, and that too the card swipe machine has to be supported, which many times gets messed up.

Better take Millennia and enjoy your shopping spree. For fuel, if you really really want one and if your monthly fuel expenses is like 5K+ then you “may” go for SBI Octane (higher cap, but pretty high annual fee), or RBL Travel Easy (RBL/BajajFinserve has the worst customer care though).

Deal Lieutenant Deal Lieutenant
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Forget fuel cards bro, I’m regretting having icici HPCL coral, all fuel cards are same. Keep the number of cards less by not opting for a fuel card.

Deal Cadet Deal Cadet
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Citi Fule card is being used by my colleagues, their feedback is good so far.

Deal Subedar Deal Subedar
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Citi indian oil card is good.

Post Mogul Post Mogul
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would suggest to initially opt for Indian oil make it lifetime free by spending 30k in 90 days and upgrade it to millennia later if not seem worth. plus1🏼 you might also get better limit on Indian oil compared to millennia initially.

Deal Newbie Deal Newbie
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Can anyone tell me best way to pay hdfc credit card..can I get percnt cashback on mobikwik by paying thru hdfc platinum DC…. haven’t tried cred…for other card I used to pay hdfc biller to get 1 percnt cashback on platinum DC😀

Finance Ninja Finance Ninja
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anilvanwari5184 wrote:

Can anyone tell me best way to pay hdfc credit card..can I get percnt cashback on mobikwik by paying thru hdfc platinum DC…. haven’t tried cred…for other card I used to pay hdfc biller to get 1 percnt cashback on platinum DC😀

No you’ll not get.. since platinum dc bill payment benefit is limited to hdfc portal.. you can use cred(pm me for referral) and get flat 250 cashback on first bill payment.. post that you’ll get some scatch cards for bill payments depending upon the amount you pay.. it’s very less but still better than nothing at all

Deal Newbie Deal Newbie
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Fanil wrote:

No you’ll not get.. since platinum dc bill payment benefit is limited to hdfc portal.. you can use cred(pm me for referral) and get flat 250 cashback on first bill payment.. post that you’ll get some scatch cards for bill payments depending upon the amount you pay.. it’s very less but still better than nothing at all

Ok..will DM u..for referral my due date is 30..

Deal Cadet Deal Cadet
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Hitman45 wrote:

would suggest to initially opt for Indian oil make it lifetime free by spending 30k in 90 days and upgrade it to millennia later if not seem worth. plus1🏼 you might also get better limit on Indian oil compared to millennia initially.

If I take millennia card will I be eligible for 5+5 cashback smartbuy+card, also during special offers 10 additional ( total 20) wink

Post Mogul Post Mogul
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Sunny431 wrote:

If I take millennia card will I be eligible for 5+5 cashback smartbuy+card, also during special offers 10 additional ( total 20) wink

check terms again.
For new customers on-boarded post 01-Oct:
Direct: 10% ID + 5% RP + 0 SB_CB
or
SB: 10% ID + 1% RP + 5% SB_CB

Deal Cadet Deal Cadet
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Hitman45 wrote:

check terms again.

Thanks will opt for Indian oil card as I already have Amazon pay and Flipkart card for 5% cashback

Deal Cadet Deal Cadet
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Sunny431 wrote:

Thanks will opt for Indian oil card as I already have Amazon pay and Flipkart card for 5% cashback

whichever card you choose, take maximum possible free add on cards. They are very valuable during offer times.

Community Angel Community Angel
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narayana1dd249 wrote:

whichever card you choose, take maximum possible free add on cards. They are very valuable during offer times.

HDFC add on cards is useless as the card details are the same

Helpful Helpful
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anilvanwari5184 wrote:

Can anyone tell me best way to pay hdfc credit card..can I get percnt cashback on mobikwik by paying thru hdfc platinum DC…. haven’t tried cred…for other card I used to pay hdfc biller to get 1 percnt cashback on platinum DC😀

Wow! How do you get cashback for paying your credit card bill?? I have hdfc platinum dc 🤔

Deal Subedar Deal Subedar
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BlueFlash wrote:

Most of the fuel cards are just trash; they have 2 major limitations: 1st is that the monthly max cap is pretty low, take HDFC IndianOil as example, the max cap is 150 only (250 in first 6 months); 2nd is that it’s bounded to a particular oil company, so you can use this card only on IndianOil pumps only, and that too the card swipe machine has to be supported, which many times gets messed up.

Better take Millennia and enjoy your shopping spree. For fuel, if you really really want one and if your monthly fuel expenses is like 5K+ then you “may” go for SBI Octane (higher cap, but pretty high annual fee), or RBL Travel Easy (RBL/BajajFinserve has the worst customer care though).

For Indianoil, citibank is the best. No capping plus no need to be swiped on citibank machines, any machine will do. They have mapped pumps name in the system, you get approx 2.6% cashback as points, plus no surcharge on fuel transactions

Deal Newbie Deal Newbie
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rohant wrote:

Wow! How do you get cashback for paying your credit card bill?? I have hdfc platinum dc 🤔

If u have other co.cards then go to hdfc NetBanking under billpay and select other cards and pay using hdfc platinum DC…

Helpful Helpful
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anilvanwari5184 wrote:

If u have other co.cards then go to hdfc NetBanking under billpay and select other cards and pay using hdfc platinum DC…

Oh that’s nice

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anilvanwari5184 wrote:

If u have other co.cards then go to hdfc NetBanking under billpay and select other cards and pay using hdfc platinum DC…

Will I 1% cb in the form of reward points or cashback in my account?

Deal Newbie Deal Newbie
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rohant wrote:

Will I 1% cb in the form of reward points or cashback in my account?

RP….

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anilvanwari5184 wrote:

RP….

Not sure how you are getting the Reward points for such transactions as credit card payment does not fall in Mechant code 4900 as mentioned in the T&C of the debit card.

Deal Newbie Deal Newbie
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I think go for HDFC millania credit card & close for indian oil card bcoz millania credit card is more beneficial

Pro Blogger Pro Blogger
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One guy got this Pre-approve LTF card -

https://cdn0.desidime.com/attachments/photos/732864/medium/8191659qtQa58V.jpg?1641581394

Deal Cadet Deal Cadet
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abhishek012 wrote:

One guy got this Pre-approve LTF card -

https://cdn0.desidime.com/attachments/photos/732864/medium/8191659qtQa58V.jpg?1641581394

This one has NFC also, mine doesn’t sweat. Anyway I also got it converted to LTF by spending 30k

Pro Blogger Pro Blogger
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Sunny431 wrote:

This one has NFC also, mine doesn’t sweat. Anyway I also got it converted to LTF by spending 30k

Yup, last time i told you, HDFC already get RuPay contactless certification.

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