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My Most Used CCs are( As on September 2025) are: SBI CashBack (Where Axis Cashback doesn't gives) SBI PhonePe Select Black (UPI and Utilities) Axis CashBack (All Online)

Try this along with above suggestions https://play.google.com/store/apps/details?id=trai.gov.in.dnd&hl=en_IN&pli=1

Ya https://www.hdfcbank.com/content/bbp/repositories/723fb80a-2dde-42a3-9793-7ae1be57c87f/?path=/Personal/Pay/Cards/Credit%20Card/Credit%20Card%20Landing%20Page/Credit%20Cards/Swiggy%20HDFC%20Bank%20Credit%20Card/TnCs_Swiggy-HDFC-Bank-Credit-Card-19082025.pdf

Via UPI Pin or Via OTP and please share the Merchant name in SMS/App.

DC Terms are not same as CC even for the same bank. No charges later on, and if you are in a banking programme then the fees for DC(any) is also waived off. its same 6540

In case you did a transaction of 30k and 10k. 30k-Wallet MCC 10k-Non wallet MCC and not eligible for rewards, You will get to know after T+2 when out of expected 400 only 300 are credited. So shortfall/1% you can repeat in that Calander month again which is 10k

0 For MDC, multiples of 400 if not you'lll lose, like I did once T+2 has solved that issue however, in case u missed wallet mcc, could initiate again wallet load in that month for the shortfall/1%. Reward points take t+1 to be credited in savings account. T means working days transaction date.

ya thats it, every month t+2 now payzap: app amazon: any If doing for 1st time , Transaction team will call after declining first(money will not be debited), say yes and proceed thereafter ya

Didn't knew this is also possible. Thanks for tagging, shooted a mail in 2 accounts.

Use Amazon and Payzap, save your charges.

Thanks, both worked Flawlessly in my case.

Thanks, if u get any response do update.

Yes Yes I have Millenia DC in Primary Capacity and Non-Millenia DC from HDFC in second account holders name.

811 App Install 5k Credit 2 times through Kotak 811 app using PhonePe UPI 10k Debit one Time using DC. 811 App Uninstall

Ab agle Mahine milenge...

@ritwik2000 . .

Read their report and decide. https://www.icra.in/Rating/RatingDetails?CompanyId=22934&CompanyName=Sakthi%20Finance%20Limited