Hdfc Millennia Credit card.

[mmr]

Bank agent asked to apply for HDFC Millennia Credit card with a limit of 92k and LTF.
Please help me out
1. I already have SBI Cashback Cc should I apply for HDFC Millennia?
2. If I pay utility bills in Flipkart/amazon using HDFC Millennia, what will be the reward points? 5% or 1%?
3. Anything else for grocery and utility

Expert's opinion please 🥺

 

[kuchbhi]

1. I already have SBI Cashback Cc should I apply for HDFC Millennia?

If it already fullfils your needs then don't!

2. If I pay utility bills in Flipkart/amazon using HDFC Millennia, what will be the reward points? 5% or 1%?

1%

3. Anything else for grocery and utility

hsbc live+
axis flipkart grocery(5%direct + 5%grabdeals) (you may use my referral link)
axis ace
axis airtel (electricity bill, gas)

 

[cardnoob24]

I would also recommend axis Airtel card :

*Rewards and Benefits*

1. *10% discount on Airtel transactions*: Get 10% off on Airtel prepaid recharges, postpaid bill payments, and Airtel DTH recharges.
2. *25% cashback on utility bills*: Earn 25% cashback on utility bill payments, such as electricity, gas, and water bills.
3. *1% fuel surcharge waiver*: Enjoy a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000.

*Travel Benefits*

1. *Complimentary airport lounge access*: Get access to airport lounges across India, with a maximum of 4 visits per quarter.
2. *Travel insurance*: Enjoy complimentary travel insurance, including accidental death cover and medical emergency cover.

*Fees and Charges*

1. *Joining fee*: ₹500 (waived for Airtel postpaid customers)
2. *Annual fee*: ₹500 (waived if you spend ₹2,00,000 or more in a year)