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

[Sahil1234]

Did anyone received HDFC millennia DC wallet load reward this month?
I did 40k on Amazon on 01.09.2025 but still haven't received usually it came in 2 or 3 days.

Recived today in morning

 

[Sobirvs]

Got mine credited, check yours.

got mine too lol

 

[Alex_]

Is there any other wallet then Mobikwik which provides option to pay credit card bill with millania debit card?

 

[Ashwin124]

Can I get 1% or 2.5% cashback if I set autopay through millennia debit card in hdfc app

 

[6ix9ine]

Can I get 1% or 2.5% cashback if I set autopay through millennia debit card in hdfc app

2.5% upto 400/month, autopay only on smartbuy in HDFC billpay.

 

[Ashwin124]

2.5% upto 400/month, autopay only on smartbuy in HDFC billpay.

Thankyou very much

 

[Sobirvs]

2.5% upto 400/month, autopay only on smartbuy in HDFC billpay.

wait what? First time I am hearing about it.

I usually get 400/mo for 1% after loading to wallets and paying cc bill with the same money.

is this 2.5% 400/mo extra on top of the 1%?

 

[6ix9ine]

wait what? First time I am hearing about it.

I usually get 400/mo for 1% after loading to wallets and paying cc bill with the same money.

is this 2.5% 400/mo extra on top of the 1%?

No bro 😅 it's either 2.5% or 1%

Maximum cap is 400 (both included)

Wallet loading is more reliable, the autopay option sometimes fails.

 

[Sobirvs]

Wallet loading is more reliable, the autopay option sometimes fails.

ah cool, btw 2.5% autopay gives cashpoints when? how long it takes? like 1% takes hardly 4 days max.

 

[6ix9ine]

ah cool, btw 2.5% autopay gives cashpoints when? how long it takes? like 1% takes hardly 4 days max.

Well millennia officially takes 90 days.

But from June onwards, they have started releasing cashpoints in 2-3 working days. So, it will take same time as your 1% does.

I just hope people don't poke HDFC and this stays like this. (quick 3-4 days delivery)

 

[Sobirvs]

`

Well millennia officially takes 90 days.

But from June onwards, they have started releasing cashpoints in 2-3 working days. So, it will take same time as your 1% does.

I just hope people don't poke HDFC and this stays like this. (quick 3-4 days delivery)

what abt easyshop? how long it takes nowadays?

 

[6ix9ine]

`

what abt easyshop? how long it takes nowadays?

Easyshop was always 2-3 working days, except smartbuy transactions. They usually take 30-90 days, this is common for both easyshop platinum as well as millennia.

Another exception is month end delays (usually 1 week max), but that is more due to HDFC end.

 

[JimCarrey]

It's strange that the first post suggests to load mobikwik wallet, whereas Mobikwik charges convenience fees of 1.18% to load wallet via Debit card. Only UPI is free.

Also, right now amazon load is free, but while paying on billdesk QR via amazon scan & pay amazon doesn't enable its own wallet, rather asks to use linked UPI.

@Abhishek012 is the above 2 things for me only, was surprised to see no words about convenience fees.

 

[Sobirvs]

Also, right now amazon load is free, but while paying on billdesk QR via amazon scan & pay amazon doesn't enable its own wallet, rather asks to use linked UPI.

try zavo, it works.

 

[cardgenie]

try zavo, it works.

What about 1% one... where can we use it ?

 

[Sobirvs]

What about 1% one... where can we use it ?

as i said, zavo.

Add 40k from mil dc to amazon, now pay bill via zavo scan QR, use amazon scan QR and pay it via zavo, simple.

 

[zubin1]

as i said, zavo.

Add 40k from mil dc to amazon, now pay bill via zavo scan QR, use amazon scan QR and pay it via zavo, simple.

Can this method be used for paying hdfc cc bills as well?

 

[Sobirvs]

Can this method be used for paying hdfc cc bills as well?

yes, any card which zavo supports. I have paid hdfc cc bills.

 

[Abhishek012]

It's strange that the first post suggests to load mobikwik wallet, whereas Mobikwik charges convenience fees of 1.18% to load wallet via Debit card. Only UPI is free.

Also, right now amazon load is free, but while paying on billdesk QR via amazon scan & pay amazon doesn't enable its own wallet, rather asks to use linked UPI.

@Abhishek012 is the above 2 things for me only, was surprised to see no words about convenience fees.

HDFC Millennia Mastercard Debit Card ? Use HDFC Millennia Visa Debit Card.

Amazon wallet UPI - dnt use scan & pay, use Zavo app, Paytm app, Bajaj app, Mobikwik app etc and pay via Amazon wallet UPI intent transaction.

 

[Sobirvs]

HDFC Millennia Mastercard Debit Card ? Use HDFC Millennia Visa Debit Card.

tbh I haven't even seen someone with mil visa dc, I know on hdfc website it shows visa and mc both but i checked with customer care and they were negative on that and then i checked with branch, same thing, and now I am on a email thread with hdfc and they gave me 19th sep till they'll reply lol.