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HDFC User - Best Debit Card for 2025 | Which Debit Card to Apply in February 2025 | Discussion

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ask19111978 said:
I actually had easyshop paltinum and now i got MILENNIA as well . now both are showing in net banking , shoul i close platinum one ,as it is of no use now . IS one card free ... if other one cancelled
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kono baat nei beta..auto off ho jaega..old wala..easyshop se sidha noshop ho jaega
 
Abhishek012 said:
HDFC User - Best Debit Card for 2025 | Which debit card to apply in February 2025:

Ok boyz and beautiful galz

For the past 2-3 weeks, I have been receiving countless messages asking where to use the HDFC Platinum debit card ?

So look, guys I have one good news and one bad news.

The bad news is that the HDFC Platinum debit card is almost useless now.

Actually, there are still some places where you can use it to get 1% rewards cashback.

For example, if you have an Airtel Payments Bank account, you can load money using the HDFC Platinum Visa Variant Debit Card and earn 1% cashback (no idea about Mastercard variant).

However, each transaction should be under ₹10,000 and you should only proceed if the Razorpay gateway shows 'Airtel Money' as the merchant name. Above 10k you will get Wallet category merchant name, which is not eligible for 1% cashback.

But I do not recommend new users to open an Airtel Payments Bank account. If you're already an existing user, you can go ahead. If anyone asks me further questions about Airtel Payments Bank, I will ignore them.

Now, let's move on to the good news.

Everyone should upgrade to the HDFC Millennia Debit Card.

Not just one but many options are available right now to use this card

Go to your HDFC app or net banking and upgrade your debit card to the HDFC Millennia Debit Card -

View attachment 83825

Now where to use ?

Option 1 - For Credit Card Holders -

Visit Canara Setu Website - https://billpe.setu.co/1428576343393568731/billers/Credit-Card

and pay your Credit Card bill and get 2.5% upto Rs400 cashback per month.

Merchant name - Retail CC

Merchant category and MCC Code - 5311 (DEPARTMENT STORES)

View attachment 83826

Option 2 - Amex or SCB credit card holders -

You guys can load money into Amazon Full KYC Wallet UPI and get 1% cashback upto ₹400. Load ₹40K and get the full ₹400 cashback.

Now, use the Amex and SCB Billdesk credit card bill payment website and pay through Amazon Wallet UPI.

Option 3 - Non-Credit Card holders -

Well, there are multiple options available for this. You can load money into Amazon Full KYC Wallet UPI, Mobikwik Full KYC Wallet UPI or Payzapp Full KYC Wallet and then make free bank transfer using Wallet UPI.

Payzapp Full KYC Wallet users can transfer money from Wallet to Bank for free with no extra charges.

Every month, load a total of ₹40K and earn ₹400 cashback.

Option 4 - Non-Credit Card holders -

Well, this is also wallet loading but here you need to load money into Ebixcash Full KYC Wallet UPI and then make free bank transfer using Wallet UPI. Load a total of ₹16K and you'll get ₹400 cashback (2.5% upto ₹400 cashback per month).

Note: Ebixcash Full KYC Wallet UPI, daily load limit is Rs5000 for Debit Card and no extra charges.

Actually, the merchant category for Ebixcash Full KYC Wallet UPI is 'Professional Services' or 'Motor Vehicle Supplies and New Parts,' which is why you get 2.5% cashback upto ₹400.

I have a separate post about Ebixcash Full KYC. Check that out and you'll understand better.

Remember, you first need to register on the Ebixcash website and complete video KYC. Only then you can register on the Ebixcash Wallet UPI app - https://www.technofino.in/community...pi-launched-5-sbi-cashback-credit-card.28876/

Note: this ₹400 cashback will be credited after 90 days.

Also remember, there is a maximum monthly cashback cap of ₹400. You cannot avail both offers together—the 1% wallet load and the 2.5% e-commerce spend.

Airport Lounge access -

This card gets you 4 complimentary lounges access annually (once per calendar quarter) at domestic airports across India. For the list of lounges where the offer is valid and conditions.

Effective 1st January 2024, you will get complimentary lounge benefit only if you spend ₹ 5000 or more in previous calendar quarter. For more information click here

Note - Every month, if you make credit card bill payments through Canara Setu and load your EbixCash full KYC wallet, you will become eligible for airport lounge access.

But remember, wallet loading will not be counted as an eligible criteria for lounge access.
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Wonderful

It'll be very nice, if you can create similar threads for IDFC firsttap and SBI VDC

Whenever possible

There are so many questions repeated regarding these in many threads
 
PAHULPREET said:
Switched from ESP HDFC DC to Millenia DC now unable to use it on Canara Setu also? Any suggestions how can I use Millenia for CC bill payment?
Click to expand...
Try other method and load to full kyc wallet - 1% upto 400.

Use Wallet UPI and pay credit card bill via any 3rdparty apps or you can free transfer to bank.
 
Abhishek012 said:
Try other method and load to full kyc wallet - 1% upto 400.

Use Wallet UPI and pay credit card bill via any 3rdparty apps or you can free transfer to bank.
Click to expand...
Can I load wallet 40k in a day and get 1% cb upto 400? or do i need to do upto certain threshold in a day?
 
Abhishek012 said:
Try other method and load to full kyc wallet - 1% upto 400.

Use Wallet UPI and pay credit card bill via any 3rdparty apps or you can free transfer to bank.
Click to expand...
40k in and 40k out
Almost 80k transaction from HDFC savings account per month that means almost 10 lakh transaction per year. That's a huge ammount for savings account.hdfc may block yout account if your occupation income range between 1-3 lakhs 😔
 
PAHULPREET said:
Whats the max limit of using sbi vdc in a month? to get max reward points
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Read here -

A

Thread 'Which Debit Card to use for Credit Card Bill Payment in February & March 2025'

Which Debit card use for Credit Card bill payment in Feb & March 2025:

1) IDFC Debit cards: All IDFC account holder apply 2nd debit card - Add-on IDFC Firstap Sticker RuPay Platinum Debit Card.

You will get same reward points and 10x reward points benefit as per your account variant - Normal/General, Select, Wealth and Private account.

Apply 2nd IDFC Debit card ( primary visa/mastercard card + this add-on RuPay card both will coexist) from IDFC app, under your debit card section.

If you want to understand it better, think of it like this:
  • For an IDFC...
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  • credit card debit card hdfc kotak rbl rupay sbi upi visa wallet
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