Amazon pay icici vs hdfc millenia

[wikyd]

Hey guys I was thinking which of the cards amazon pay icici and hdfc millenia credit card gives the most cashback on these categories. By paying through combining gift vouchers, direct card payments ,using amazon pay wallet or hdfc smartbuy etc.

1. Rent
2. Utilities
3. Online shopping (Amazon, Flipkart)
4. offline shopping
5. Insurance
6. Swiggy, Zomato
7. Zepto, dominos
8. Uber, Ola, Rapido

For these category spends which card would give the most benefit in form of cashback

 

[Tejo]

Hey guys I was thinking which of the cards amazon pay icici and hdfc millenia credit card gives the most cashback on these categories. By paying through combining gift vouchers, direct card payments ,using amazon pay wallet or hdfc smartbuy etc.

1. Rent
2. Utilities
3. Online shopping (Amazon, Flipkart)
4. offline shopping
5. Insurance
6. Swiggy, Zomato
7. Zepto, dominos
8. Uber, Ola, Rapido

For these category spends which card would give the most benefit in form of cashback

Millennia cashback is limited.

Icici apay cb is unlimited.

 

[Jhon Anand]

Millennia cashback is limited.

Icici apay cb is unlimited.

I guess 1000 is enough for monthly usage for 5% and another 1% for 1000.

 

[PraveenDeg]

I don't think millennia give cashback on utility payment.
Apay is better choice.
If you want millennia try C2C method it's give you ltf card .

 

[steiner03]

Millennia cashback is limited.

Icici apay cb is unlimited.

Do we get 5% cashback in Gift cards as well in Amazon using Amazon pay card?

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

Do we get 5% cashback in Gift cards as well in Amazon using Amazon pay card?

no, 2% cb only.

 

[steiner03]

no, 2% cb only.

Okay, so comes under utilities.

 

[ᏰᏋᎥᏁᎶᎥᏁፈᎧᎶ]

Okay, so comes under utilities.

no, comes under restrictions or feature.

 

[Card_Crafter]

It's not that straightforward.

It depends on your usage also.

Other than the partner websites, Millenia gives 5% CB on utilities too via smartpay and Gift cards. Also Millenia cashback rate can be maximised upto 6% using Smartbuy and spend based milestone. Millenia gives 1000 Amazon Gift Voucher upon spending 1 lakh in a quarter.

Let's compare the returns of both cards for a three month duration for an average spender for the categories listed by you.

Rent - 30k (10k per month)
Utilities - 9k (3k per month)
Online shopping Amazon - 15k
Flipkart - 15k
Offline - 30k
Insurance - 10k
Swiggy - 3k
Zomato - 3k
Uber/Ola/Rapido - 6k (assuming 2k on each)

Total - 1,20,000 INR

Millenia returns - 0+450+750+750+300+500+300+140+Bonus 1000 milestone reward= 4190 (3.49%)
Apay Returns - (-354)+180+750+150+300+200+300+120= 1646 (1.37%)

 

[CHOCOPANDA]

I don't think millennia give cashback on utility payment.
Apay is better choice.
If you want millennia try C2C method it's give you ltf card .

What should be the C2C limit for millenia. If some was axis ace

 

[PraveenDeg]

I think it's minimum 1 lakh and 6 month old card required!

 

[Laukik]

C

I don't think millennia give cashback on utility payment.
Apay is better choice.
If you want millennia try C2C method it's give you ltf card .

Can we get Millennia by C2C on behalf of Apay

 

[NAB]

C

Can we get Millennia by C2C on behalf of Apay

Yes, If it's at least a year old.

 

[wikyd]

It's not that straightforward.

It depends on your usage also.

Other than the partner websites, Millenia gives 5% CB on utilities too via smartpay and Gift cards. Also Millenia cashback rate can be maximised upto 6% using Smartbuy and spend based milestone. Millenia gives 1000 Amazon Gift Voucher upon spending 1 lakh in a quarter.

Let's compare the returns of both cards for a three month duration for an average spender for the categories listed by you.

Rent - 30k (10k per month)
Utilities - 9k (3k per month)
Online shopping Amazon - 15k
Flipkart - 15k
Offline - 30k
Insurance - 10k
Swiggy - 3k
Zomato - 3k
Uber/Ola/Rapido - 6k (assuming 2k on each)

Total - 1,20,000 INR

Millenia returns - 0+450+750+750+300+500+300+140+Bonus 1000 milestone reward= 4190 (3.49%)
Apay Returns - (-354)+180+750+150+300+200+300+120= 1646 (1.37%)

Thank you so much this is what i was looking for. You explained very well and in details so thanks again.

The insurance can be paid directly or via amazon to get 5%cb. Also in swiggy how will we get 10% is it through smartbuy vouchers or something else.

Again thank you very much for your reply.

 

[amitbindal451]

I guess 1000 is enough for monthly usage for 5% and another 1% for 1000.

1000 CASHBCK KAISE MIL SKTA HAI

 

[Tejo]

1000 CASHBCK KAISE MIL SKTA HAI

For bill payments, we can use apay voucher which can bought using millennia card on amazn site.

 

[Card_Crafter]

Thank you so much this is what i was looking for. You explained very well and in details so thanks again.

The insurance can be paid directly or via amazon to get 5%cb. Also in swiggy how will we get 10% is it through smartbuy vouchers or something else.

Again thank you very much for your reply.

For insurance - Apay voucher @5%
Swiggy/Zomato value is combined @5%

 

[shake-all-Sphere]

Hey guys I was thinking which of the cards amazon pay icici and hdfc millenia credit card gives the most cashback on these categories. By paying through combining gift vouchers, direct card payments ,using amazon pay wallet or hdfc smartbuy etc.

1. Rent
2. Utilities
3. Online shopping (Amazon, Flipkart)
4. offline shopping
5. Insurance
6. Swiggy, Zomato
7. Zepto, dominos
8. Uber, Ola, Rapido

For these category spends which card would give the most benefit in form of cashback

Both Amazon Pay ICICI Credit Card and HDFC Millennia Credit Card offer benefits in various categories, but their rewards structure differs. Let's break down the categories you mentioned and see which card might offer better benefits:

1. Rent & Utilities:For rent payments, using payment platforms like CRED or Rent Pay may not always qualify for regular credit card rewards. However, some platforms might accept credit cards, and if so, the HDFC Millennia card could offer cashback for utility bill payments, including rent, depending on the utility provider.
2. Online Shopping (Amazon, Flipkart):Amazon Pay ICICI Credit Card offers higher rewards for Amazon purchases. You can earn higher cashback (5% for Prime members) on Amazon.in and Amazon Pay transactions. For other online shopping, HDFC Millennia offers cashback (up to 5%) on Amazon, Flipkart, and other partner websites through Smart Buy.
3. Offline Shopping:HDFC Millennia provides cashback for offline spends (up to 1%) as part of its overall rewards structure.
4. Insurance:Insurance payments may not typically qualify for specific credit card rewards. However, certain premium payments processed through online platforms might be eligible for rewards. You might want to check with the respective insurance companies and the card issuers for any ongoing offers.
5. Food Delivery (Swiggy, Zomato) & Dining (Zepto, Dominos):Both cards offer rewards on dining. HDFC Millennia provides cashback (up to 5%) for dining spends, including on food delivery services. The Amazon Pay ICICI Credit Card might have limited or no specific rewards for these categories.
6. Ride-Sharing (Uber, Ola, Rapido): HDFC Millennia offers cashback (up to 5%) on spends made through SmartBuy, which includes travel bookings. It may cover ride-sharing services like Uber and Ola.

Consider the specific terms and conditions, maximum cashback limits, and any ongoing promotional offers for each card.
To maximize rewards, strategize by using the card that offers the highest cashback for a particular category.
And this algorithm will help you to choose the right card for each category, hope this helps

 

[realjayt]

Millennia cashback is limited.

Icici apay cb is unlimited.

10k per month, not unlimited

 

[akish4u]

You can add extra 1% cashback for amazon pay ICICI when paying bill using HDFC platinum debit card through HDFC bill pay. But cashback not valid for HDFC credit cards.