Best way to pay HDFC credit card bill for cashback (Nov 2023)

[a9du]

Hello, I have been browsing through existing threads and posts for lots of time, but couldn't find the solution for my concern.

Kindly help me out with best ways to pay HDFC credit bill and get cashback. These are the ones I found from the existing threads but I have few doubts:

1) Millenia DC + Paytm: I see many people on threads saying they simply reload paytm by 40k every month and then transfer it back to account. Is this really possible, I can see transaction charges for Paytm when using debit card too. Please throw some light on this.

2) ESP DC + Mobikwik: As per latest replies on threads, I think this stopped working because Mobikwik's merchant code is changed.

3) RBL Signature+ DC: Some people are saying this is the best and stable way to get cashback without any terms and conditions. Also seeing some people saying this is highly unstable,.now a days most people are not getting cashback.

4) I also saw some vague replies saying there is some hack with Millennia DC + Amazon Pay + Airtel. But when asked for details, they haven't provided. I would really like to know how to efficiently use Millenia DC.

Note: I have tried searching for existing threads and posts, couldn't find something which I am looking for, hence creating a new post.

Looking for help from some cc & dc experts.

 

[D₹V]

Hello, I have been browsing through existing threads and posts for lots of time, but couldn't find the solution for my concern.

Kindly help me out with best ways to pay HDFC credit bill and get cashback. These are the ones I found from the existing threads but I have few doubts:

1) Millenia DC + Paytm: I see many people on threads saying they simply reload paytm by 40k every month and then transfer it back to account. Is this really possible, I can see transaction charges for Paytm when using debit card too. Please throw some light on this.

2) ESP DC + Mobikwik: As per latest replies on threads, I think this stopped working because Mobikwik's merchant code is changed.

3) RBL Signature+ DC: Some people are saying this is the best and stable way to get cashback without any terms and conditions. Also seeing some people saying this is highly unstable,.now a days most people are not getting cashback.

4) I also saw some vague replies saying there is some hack with Millennia DC + Amazon Pay + Airtel. But when asked for details, they haven't provided. I would really like to know how to efficiently use Millenia DC.

Note: I have tried searching for existing threads and posts, couldn't find something which I am looking for, hence creating a new post.

Looking for help from some cc & dc experts.

Do you have millennia DC?

 

[a9du]

Do you have millennia DC?

I am planning to get one, could let me know how to efficiently use Millenia DC.

 

[Kumar93196]

I am planning to get one, could let me know how to efficiently use Millenia DC.

-I just add 40k to my wallet using dc and take it bank to my account after 24-48 hours later. And getting 400/pm
-AFAIK there is no charges on adding money via dc to paytm wallet.

 

[a9du]

-I just add 40k to my wallet using dc and take it bank to my account after 24-48 hours later. And getting 400/pm
-AFAIK there is no charges on adding money via dc to paytm wallet.

Hi thanks very much for your confirmation, I saw many saying there are charges. In most of existing threads it's very hard to get any confirmation. People are contradicting themselves, some say there are no charges, some say charges are there.

 

[D₹V]

I am planning to get one, could let me know how to efficiently use Millenia DC.

Thread 'HDFC Bank Millennia Debit Card & It's Benefits ❤️🔥' https://www.technofino.in/community/threads/hdfc-bank-millennia-debit-card-its-benefits-❤️🔥.16374/

 

[a9du]

Thread 'HDFC Bank Millennia Debit Card & It's Benefits ❤️🔥' https://www.technofino.in/community/threads/hdfc-bank-millennia-debit-card-its-benefits-❤️🔥.16374/

Thanks for sharing the thread!

 

[NShah]

Hi thanks very much for your confirmation, I saw many saying there are charges. In most of existing threads it's very hard to get any confirmation. People are contradicting themselves, some say there are no charges, some say charges are there.

1)Mobikwik
2)Amazonpay
3)Slice wallet
e-wallet without charges

@D₹V can add some more😉

 

[D₹V]

1)Mobikwik
2)Amazonpay
3)Slice wallet
e-wallet without charges

@D₹V can add some more😉

Bhaiya Hume to jarurat hi na padti se sab.

CC bill me hi cap khatam ho jata.

 

[Kumar93196]

Bhaiya Hume to jarurat hi na padti se sab.

CC bill me hi cap khatam ho jata.

Hum ye wallet load aur baakio m cc use krte hai🤣

 

[D₹V]

Hum ye wallet load aur baakio m cc use krte hai🤣

Hahaha.
Mbk (1%) & HDFC bill pay (2.5%) for CC bill is enough.

 

[dilbersha]

Hahaha.
Mbk (1%) & HDFC bill pay (2.5%) for CC bill is enough.

2.5% is possible?

 

[NShah]

2.5% is possible?

Hdfc bill payments portal

 

[D₹V]

2.5% is possible?

Y e s

 

[Deleted member 23535]

Hdfc bill payments portal

It gives 1% only right? How to get 2.5% ?

 

[NShah]

It gives 1% only right? How to get 2.5% ?

Use Millenia dc on hdfc bill payments portal for cc bill payments you will get 2.5% cashback upto 400

 

[Deleted member 23535]

Use Millenia dc on hdfc bill payments portal for cc bill payments you will get 2.5% cashback upto 400

Oh really. Thnx. I am using it to load paytm and paying from that wallet balance

 

[NShah]

Oh really. Thnx. I am using it to load paytm and paying from that wallet balance

Yes Millenia dc give 2.5% on online spend
Hdfc bill payment portal have Utility MCC

 

[AritraSaha]

2.5% is possible?

For online transaction this dc gives 2.5%(some mcc are excluded).
For wallet reload it gives 1% for (6540 mcc)

Paytm, mbk, other frequently change the mcc, so its hard to tell.

Hdfc bill portal gives 2.5%cb.

 

[a9du]

Hahaha.
Mbk (1%) & HDFC bill pay (2.5%) for CC bill is enough

Hey, this makes Millennia DC much better than ESP DC right? If our CC bills are not very high, going for Millennia DC makes more sense than ESP, right?