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HDFC User - Best Debit Card for 2025 | Which Debit Card to Apply in May 2025 | Discussion
- Thread starter Abhishek012
- Start date
- Replies 295
- Views 26K
6ix9ine
TF Prestige
Yes, that 2.5% is included.
gogetassj4
TF Select
Can anyone confirm (need first hand information) if Millennia DC is free for Savings max account?
6ix9ine
TF Prestige
Some users got annual charged, when they closed default platinum and issued millennia.
If I remember correctly, customer care said millennia will be charged for saving max, but platinum won't.
Irony is platinum is higher variant than millennia as per HDFC hierarchy.
safetorpedo2
TF Buzz
It might be as per hdfc hierarchy
But maybe they charge for millenia because of Visa hierarchy.
Ig millenia is a Visa signature card whereas platinum obv is Visa platinum
But yeah millenia has a mastercard version too, idk what's special in that
safetorpedo2
TF Buzz
If u can qualify for any of the baking programmes (classic/preferred,etc)
It'll be free
6ix9ine
TF Prestige
Millennia is much better in rewards, it's a hidden gem. I'll leave it at that.
safetorpedo2
TF Buzz
Its better to keep it hidden 🤫
safetorpedo2
TF Buzz
Anyone who recently upgraded dc to millenia through mobile/NetBanking, how many days did it take for the card to get generated and visible on the app/website??
It's been almost 2 days now and haven't recieved any confirmation whether the card is upgraded or not, still the old card is showing on app
It's been almost 2 days now and haven't recieved any confirmation whether the card is upgraded or not, still the old card is showing on app
AlooDum
TF Premier
It takes 3 working days to get delivered in metro cities.
You have probably applied on weekend so have patience.
In the meantime you can check approx delivery time for your pincode using this link
What exclusive benefits does it provide as a Visa Signature card ?! Is it for real? That would be surprising indeed for a Rs. 500 card.
I have learnt not to trust whatever is printed on the HDFC plastic cards until I experience its actual benefits!
My auto-renewed basic DC said Easy Shop Platinum on the card. But it was actually not one (as confirmed by the customer care)! It did not provide any ESP benefits! I had to upgrade to an ESP Imperia DC before I actually started receiving the ESP DC benefits!
.
I opened a Previlege Preferred savings account for my wife yesterday (family-plan, primary holder is me). She got a millenia debit card, and looks like it is free.
Last edited:
Privilege savings account in hdfc? Never heard before.
All I see are https://www.hdfcbank.com/personal/save/accounts/savings-accounts/types-of-savings-accounts
Thanks to AI. Loving it. @sriteja
I just got a millenia debit card in my wife's name and I wanted to know how to get 2.5% cashback using it for credit card bill payment.
It was very difficult to go through all 15 pages and find the answer. That's when I remembered the AI summariser tool.
I just ran the tool and gave this thread link and this is the summary I got. I also ran a question and got the answer.
Here's a summary of the forum discussion thread, considering the current date (2025-06-24) and highlighting outdated information:
**Key Points:**
* **HDFC Platinum Debit Card Mostly Useless:** The HDFC Platinum debit card is largely considered outdated for rewards, with very limited use cases (as of February 2025). A specific Airtel Payments Bank loading trick was mentioned, but its viability is now questionable.
* **HDFC Millennia Debit Card Recommended (But Possibly Devaluating):** The main recommendation is to upgrade to the HDFC Millennia debit card for better cashback opportunities. However, there are recurring concerns about its potential devaluation (removal of benefits), which users have been predicting. The core strategy revolves around maximizing the ₹400 monthly cashback limit.
* **Methods for Earning Cashback with Millennia (Varied Success):**
* **Wallet Loading:** Loading money into KYC-compliant wallets (Amazon Pay, Payzapp, Mobikwik) using the Millennia card earns 1% cashback up to ₹400 per month. Free transfer from these wallets to bank is possible. *This is currently the most reliable method.*
* **Canara Setu CC Bill Payment (DEAD):** Paying credit card bills through Canara Setu website initially offered 2.5% cashback, but this method *is no longer working* (confirmed by multiple users in late February and March 2025). Information regarding this method is **OUTDATED**.
* **Ebixcash Wallet (DEAD):** Ebixcash wallet loading for 2.5% cashback is also *no longer a viable option* (as of March 2025).
* **HDFC Bill Pay Autopay:** Some users suggest that setting up auto-pay for credit card bills through the HDFC bill pay portal might yield 2.5% cashback, however there is no consensus on this.
* **SmartBuy:** Using the SmartBuy platform to purchase vouchers offers a higher cashback rate (5-10%), but involves fees.
* **Wallet Loading Concerns:** While wallet loading is a primary strategy, users express concern about potential account flagging or blocking by HDFC or Amazon due to frequent large transactions (loading and transferring back to the bank).
* **Wallet-Based CC Bill Payment:** Load the wallet via HDFC Millenia DC, and make use of Wallet UPI to pay CC bills via third-party apps to earn a cashback of 1% upto 400.
* **AutoPay on HDFC bill pay portal:** Setting autopay up gives 2.5% cashback upto 400 per month
* **Other Debit Cards:** Mentions of SBI VDC and BOB Masterstroke Opulence Visa Infinite as alternatives are also present.
* **Fees and Charges:** The Millennia card typically has an annual fee (₹500 + GST), but this can be waived for HNW customers (Classic, Preferred, Imperia banking programs).
* **Reward Redemption:** Cashback earned through the Millennia debit card is credited after 90 days. Rewards can be redeemed directly as cash (1 RP = ₹1) through net/mobile banking without redemption fees.
* **Upgrade Process:** Upgrading from Platinum to Millennia can be done through the HDFC app or net banking. Delivery of the new card takes approximately a week. The old platinum card is automatically blocked after a few days.
* **HDFC Easyshop Platinum DC**: HDFC Easyshop Platinum Debit Card provides Autopay cashback for only 12 months.
* **Amazon Pay Load Issue:** HDFC has assigned their amazon pay wallet under the code MCC 2752
**Main Questions:**
* Is Canara Setu still working for cashback? (**NO - OUTDATED**)
* Is Ebixcash wallet loading still viable? (**NO - OUTDATED**)
* What's the best method to use the Millennia card for cashback? (Wallet loading seems to be the most consistent answer)
* Will HDFC or Amazon block accounts due to frequent wallet loading and transfers?
* Are there any new loopholes or tricks for maximizing Millennia cashback?
* Is the Millennia card free for Savings Max account holders?
* What is the expiry date for the reward point?
* CC Bill Payment is not working in Canara Setu website
* Airtel Payments bank loading using platinum no more possible
**Conclusions/Consensus:**
* The HDFC Platinum debit card is no longer a good choice for rewards.
* The HDFC Millennia debit card is generally recommended, but users are wary of potential devaluations.
* **Wallet loading (Amazon Pay, Payzapp, Mobikwik) is the most reliable way to earn cashback with the Millennia card currently, even if it requires some extra steps to transfer the money.**
* Canara Setu for CC bill payment is DEAD.
* Airtel Payments bank loading using platinum no more possible
**Outdated Information:**
* Any mentions of Canara Setu as a working cashback method (Option 1 in the original post).
* Airtel Payments Bank loading using platinum as a working cashback method.
* Ebixcash wallet loading as a viable option.
* The impression that Canara Setu is a viable method for earning 2.5% cashback.
**Important Considerations (as of 2025-06-24):**
* Verify the annual fee structure for the Millennia card with HDFC, especially for Savings Max accounts.
* Be cautious about large and frequent wallet loading transactions to avoid potential account flagging.
* Stay updated on any changes to the Millennia card's terms and conditions.
Do you want to ask questions about this thread? (yes/no): yes
Entering Q&A mode. Type 'quit' to exit.
Your question: how to get 2.5% cashback on credit card bill payment using millenia debit card? tell the working method as of today
Answer: As of today, 2025-06-24, there is no confirmed working method to get 2.5% cashback directly on credit card bill payment using the HDFC Millennia debit card. The original post mentioned Canara Setu, but it is now confirmed as not working (see posts from February and March).
While some posts (e.g., from April 10th, 2025) mention setting up Autopay on the HDFC bill pay portal for 2.5% cashback, this appears to be outdated or potentially incorrect, as other users haven't confirmed this, and it is not the generally recommended method.
**The most common and currently recommended method is to load money into a full KYC wallet (Amazon Pay, Payzapp) using the Millennia debit card and then use that wallet to pay the credit card bill via UPI or transfer the money back to the bank account. This earns 1% cashback.** This method is detailed extensively throughout the provided context.
It's also worth noting that "random17user" claimed to know tricks, but refused to share them after previous tricks were disabled.
I just got a millenia debit card in my wife's name and I wanted to know how to get 2.5% cashback using it for credit card bill payment.
It was very difficult to go through all 15 pages and find the answer. That's when I remembered the AI summariser tool.
I just ran the tool and gave this thread link and this is the summary I got. I also ran a question and got the answer.
Here's a summary of the forum discussion thread, considering the current date (2025-06-24) and highlighting outdated information:
**Key Points:**
* **HDFC Platinum Debit Card Mostly Useless:** The HDFC Platinum debit card is largely considered outdated for rewards, with very limited use cases (as of February 2025). A specific Airtel Payments Bank loading trick was mentioned, but its viability is now questionable.
* **HDFC Millennia Debit Card Recommended (But Possibly Devaluating):** The main recommendation is to upgrade to the HDFC Millennia debit card for better cashback opportunities. However, there are recurring concerns about its potential devaluation (removal of benefits), which users have been predicting. The core strategy revolves around maximizing the ₹400 monthly cashback limit.
* **Methods for Earning Cashback with Millennia (Varied Success):**
* **Wallet Loading:** Loading money into KYC-compliant wallets (Amazon Pay, Payzapp, Mobikwik) using the Millennia card earns 1% cashback up to ₹400 per month. Free transfer from these wallets to bank is possible. *This is currently the most reliable method.*
* **Canara Setu CC Bill Payment (DEAD):** Paying credit card bills through Canara Setu website initially offered 2.5% cashback, but this method *is no longer working* (confirmed by multiple users in late February and March 2025). Information regarding this method is **OUTDATED**.
* **Ebixcash Wallet (DEAD):** Ebixcash wallet loading for 2.5% cashback is also *no longer a viable option* (as of March 2025).
* **HDFC Bill Pay Autopay:** Some users suggest that setting up auto-pay for credit card bills through the HDFC bill pay portal might yield 2.5% cashback, however there is no consensus on this.
* **SmartBuy:** Using the SmartBuy platform to purchase vouchers offers a higher cashback rate (5-10%), but involves fees.
* **Wallet Loading Concerns:** While wallet loading is a primary strategy, users express concern about potential account flagging or blocking by HDFC or Amazon due to frequent large transactions (loading and transferring back to the bank).
* **Wallet-Based CC Bill Payment:** Load the wallet via HDFC Millenia DC, and make use of Wallet UPI to pay CC bills via third-party apps to earn a cashback of 1% upto 400.
* **AutoPay on HDFC bill pay portal:** Setting autopay up gives 2.5% cashback upto 400 per month
* **Other Debit Cards:** Mentions of SBI VDC and BOB Masterstroke Opulence Visa Infinite as alternatives are also present.
* **Fees and Charges:** The Millennia card typically has an annual fee (₹500 + GST), but this can be waived for HNW customers (Classic, Preferred, Imperia banking programs).
* **Reward Redemption:** Cashback earned through the Millennia debit card is credited after 90 days. Rewards can be redeemed directly as cash (1 RP = ₹1) through net/mobile banking without redemption fees.
* **Upgrade Process:** Upgrading from Platinum to Millennia can be done through the HDFC app or net banking. Delivery of the new card takes approximately a week. The old platinum card is automatically blocked after a few days.
* **HDFC Easyshop Platinum DC**: HDFC Easyshop Platinum Debit Card provides Autopay cashback for only 12 months.
* **Amazon Pay Load Issue:** HDFC has assigned their amazon pay wallet under the code MCC 2752
**Main Questions:**
* Is Canara Setu still working for cashback? (**NO - OUTDATED**)
* Is Ebixcash wallet loading still viable? (**NO - OUTDATED**)
* What's the best method to use the Millennia card for cashback? (Wallet loading seems to be the most consistent answer)
* Will HDFC or Amazon block accounts due to frequent wallet loading and transfers?
* Are there any new loopholes or tricks for maximizing Millennia cashback?
* Is the Millennia card free for Savings Max account holders?
* What is the expiry date for the reward point?
* CC Bill Payment is not working in Canara Setu website
* Airtel Payments bank loading using platinum no more possible
**Conclusions/Consensus:**
* The HDFC Platinum debit card is no longer a good choice for rewards.
* The HDFC Millennia debit card is generally recommended, but users are wary of potential devaluations.
* **Wallet loading (Amazon Pay, Payzapp, Mobikwik) is the most reliable way to earn cashback with the Millennia card currently, even if it requires some extra steps to transfer the money.**
* Canara Setu for CC bill payment is DEAD.
* Airtel Payments bank loading using platinum no more possible
**Outdated Information:**
* Any mentions of Canara Setu as a working cashback method (Option 1 in the original post).
* Airtel Payments Bank loading using platinum as a working cashback method.
* Ebixcash wallet loading as a viable option.
* The impression that Canara Setu is a viable method for earning 2.5% cashback.
**Important Considerations (as of 2025-06-24):**
* Verify the annual fee structure for the Millennia card with HDFC, especially for Savings Max accounts.
* Be cautious about large and frequent wallet loading transactions to avoid potential account flagging.
* Stay updated on any changes to the Millennia card's terms and conditions.
Do you want to ask questions about this thread? (yes/no): yes
Entering Q&A mode. Type 'quit' to exit.
Your question: how to get 2.5% cashback on credit card bill payment using millenia debit card? tell the working method as of today
Answer: As of today, 2025-06-24, there is no confirmed working method to get 2.5% cashback directly on credit card bill payment using the HDFC Millennia debit card. The original post mentioned Canara Setu, but it is now confirmed as not working (see posts from February and March).
While some posts (e.g., from April 10th, 2025) mention setting up Autopay on the HDFC bill pay portal for 2.5% cashback, this appears to be outdated or potentially incorrect, as other users haven't confirmed this, and it is not the generally recommended method.
**The most common and currently recommended method is to load money into a full KYC wallet (Amazon Pay, Payzapp) using the Millennia debit card and then use that wallet to pay the credit card bill via UPI or transfer the money back to the bank account. This earns 1% cashback.** This method is detailed extensively throughout the provided context.
It's also worth noting that "random17user" claimed to know tricks, but refused to share them after previous tricks were disabled.
Sorry, typo, I mean Preferred, corrected the original post. Thanks for pointing out.
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