Which HDFC DC should I apply for?

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Loot.Machao
Currently I am having TimesPoint DC.I am getting an option to upgrade the card.
Can you all suggest which card I should opt for which will give Max Benefits? Screenshot2023-03-07-02-23-52-601be76b10d0f7d18d300390ad3fe55f68
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Deal Subedar Deal Subedar
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my choice will be  Millenia DC.

Deal Lieutenant Deal Lieutenant
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Go to branch and get rupay debit card.

Deal Subedar Deal Subedar
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What kind of benefit you're seeking with the DC?

Beacon Beacon
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If you pay credit card bills big, platinum card is better

Commentator Commentator
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Agnivo007 wrote:

What kind of benefit you're seeking with the DC?

normal usage like cc bill payment, online shopping

Deal Subedar Deal Subedar
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Loot.Machao wrote:

normal usage like cc bill payment, online shopping

Take millennia, pay CC bills directly using DC through mobikwik (upto 16k for 400/month), also get smartbuy offers cb (extra upto 1k)...
Spearhead Spearhead
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Agnivo007 wrote:
Take millennia, pay CC bills directly using DC through mobikwik (upto 16k for 400/month), also get smartbuy offers cb (extra upto 1k)...

Does money-back plus provide any benefits on purchasing Amazon gv from Smartbuy?

Spearhead Spearhead
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Agnivo007 wrote:
https://offers.smartbuy.hdfcbank.com/diners/off...
Instant Vouchers


     1. Go to HDFC Bank SmartBuy page Instant Vouchers Section
     2. Select your desired voucher. Sign-in / Sign-up (Same registration of SmartBuy cannot be used. A new registration is required)
     3. Enter details  Proceed to Payment
     4. Use HDFC bank Credit Card / Debit Card to avail the offer


Could u explain me the 2nd point?


Btw there is Processing Fee of (1.25% + GST)
I came to know that they have removed it
Now it doesn't make any sense to purchase gv
Deal Subedar Deal Subedar
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Just use the same mobile number as on card when asked on the voucher portal checkout... @anantnitish

Deal Subedar Deal Subedar
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1.25% fee is only for a few like amazon "pay" voucher... you also get 5% regular rp (card feature) on smartbuy transactions... effective total discount is 8% plus even if you are charged 1.25% on such a few vouchers... @anantnitish

Monthly card feature : max 400, SB max 1000

Spearhead Spearhead
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Agnivo007 wrote:

1.25% fee is only for a few like amazon "pay" voucher... you also get 5% regular rp (card feature) on smartbuy transactions... effective total discount is 8% plus even if you are charged 1.25% on such a few vouchers... @anantnitish

Monthly card feature : max 400, SB max 1000

5 %Smartbuy cashback (minus 1.25%  charges)
Money back card plus has very bad rewards (except for transaction on few specific merchants)
Deal Subedar Deal Subedar
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@anantnitish I was speaking about millennia DC in last post, you wanted to upgrade to that, right?

Spearhead Spearhead
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Agnivo007 wrote:

@anantnitish I was speaking about millennia DC in last post, you wanted to upgrade to that, right?

I already have millennia dc
Btw i wanted to upgrade my Moneback + to millennia cc.

Millennia dc is capped at 400 which i already get in full every month through Paytm.

I think for Moneback plus cc holders it doesn't make any sense to purchase Amazon gv from samrtbuy as the card rewards are pathetic.

PS:-i just realised that this post is regarding millennia dc sweat_smile
Finance Ninja Finance Ninja
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Can i take another debit card? I already have a platinum dc but want a millenia dc without closing my platinum dc.
Deal Cadet Deal Cadet
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Tanmayyy wrote:
Can i take another debit card? I already have a platinum dc but want a millenia dc without closing my platinum dc.
No, open another account.
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