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How To Pay APAY ICICI CC Bill To Get Maximum Cashback

ihmahetar

TF Select
I have APAY ICICI Bank CC And Every Month I Spend 50K Plus Now Currently I am pay bill via Hdfc Millennia Debit Card And Get 400 rs Cashback.

I want to get maximum cashback so I am thinking I pay 16K CC Bill Via Hdfc Millennia Debit Card And Remaining Amount Pay to Other Platform Which Give Me Cashback So Please Give Me Suggest Other Platform.

I have one more option I Upgrade My Hdfc Millennia Debit Card to Hdfc Platinum Debit Card which give max 750 cashback should I upgrade or not ?

Please TF Community Help Me.
 
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Reactions: SSV
Yes go for upgrade to get 750 monthly.

Otherwise you can open another hdfc account if you have more to pay and earn cashback.

Another solution is indusind select account debit card. If you have legend card then open it at 0 balance.

Last is RBL signature debit card.
 
I have APAY ICICI Bank CC And Every Month I Spend 50K Plus Now Currently I am pay bill via Hdfc Millennia Debit Card And Get 400 rs Cashback.

I want to get maximum cashback so I am thinking I pay 16K CC Bill Via Hdfc Millennia Debit Card And Remaining Amount Pay to Other Platform Which Give Me Cashback So Please Give Me Suggest Other Platform.

I have one more option I Upgrade My Hdfc Millennia Debit Card to Hdfc Platinum Debit Card which give max 750 cashback should I upgrade or not ?

Please TF Community Help Me.
Now, if you want to really really maximise the CB on your 50K monthly CC payment.

1) Open another HDFC SB account- variant SavingsMax -
25K MAB or against FD amount depending upon branch location

2) Get free Platinum DC

3) Pay 16K using Millennia DC and 34 K using Platinum DC
Total CB = 400+ 340 = 740
as against 500 if you pay the entire amount by Platinum DC

Extra savings of 240 pm. Or, 2880 pa

More details of SavingsMax account here



If you don't want Savings Max account then get normal account and get paid Platinum DC. Still profitable

Enjoy!!
 
I have APAY ICICI Bank CC And Every Month I Spend 50K Plus Now Currently I am pay bill via Hdfc Millennia Debit Card And Get 400 rs Cashback.

I want to get maximum cashback so I am thinking I pay 16K CC Bill Via Hdfc Millennia Debit Card And Remaining Amount Pay to Other Platform Which Give Me Cashback So Please Give Me Suggest Other Platform.

I have one more option I Upgrade My Hdfc Millennia Debit Card to Hdfc Platinum Debit Card which give max 750 cashback should I upgrade or not ?

Please TF Community Help Me.
Go through this one for better details on your questions.
Thread 'Best Debit Card For Credit Card Bill Payment 2024' https://www.technofino.in/community/threads/best-debit-card-for-credit-card-bill-payment-2024.26178/
 
Now, if you want to really really maximise the CB on your 50K monthly CC payment.

1) Open another HDFC SB account- variant SavingsMax -
25K MAB or against FD amount depending upon branch location

2) Get free Platinum DC

3) Pay 16K using Millennia DC and 34 K using Platinum DC
Total CB = 400+ 340 = 740
as against 500 if you pay the entire amount by Platinum DC

Extra savings of 240 pm. Or, 2880 pa

More details of SavingsMax account here



If you don't want Savings Max account then get normal account and get paid Platinum DC. Still profitable

Enjoy!!
Or he can pay the entire bill by Platinum and use Millenia for WL. Total effective cashback - 500+400=900 pm.
 
I have APAY ICICI Bank CC And Every Month I Spend 50K Plus Now Currently I am pay bill via Hdfc Millennia Debit Card And Get 400 rs Cashback.

I want to get maximum cashback so I am thinking I pay 16K CC Bill Via Hdfc Millennia Debit Card And Remaining Amount Pay to Other Platform Which Give Me Cashback So Please Give Me Suggest Other Platform.

I have one more option I Upgrade My Hdfc Millennia Debit Card to Hdfc Platinum Debit Card which give max 750 cashback should I upgrade or not ?

Please TF Community Help Me.
How do you pay CC bill from Millennia DC to get 400 cashback?
 
Now, if you want to really really maximise the CB on your 50K monthly CC payment.

1) Open another HDFC SB account- variant SavingsMax -
25K MAB or against FD amount depending upon branch location

2) Get free Platinum DC

3) Pay 16K using Millennia DC and 34 K using Platinum DC
Total CB = 400+ 340 = 740
as against 500 if you pay the entire amount by Platinum DC

Extra savings of 240 pm. Or, 2880 pa

More details of SavingsMax account here



If you don't want Savings Max account then get normal account and get paid Platinum DC. Still profitable

Enjoy!!
do as @SSV suggested.
 
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Reactions: SSV
i have HDFC Millenia DC and Platinum DC.
Have Fi DC.
also have a basic SBI DC.
you have very limited options there..
However you can still use Millenia DC.. you need to explore more options for your future needs..

Please go thru this thread(s), you will know all the details and ask questions in the respective threads, if any....
all the best




relevant snippets from the above threads...

1720071481083.png


1720071521983.png
 
Last edited:
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Reactions: L2R
thanks for directing me. although your post itself clarified everything 🙂
never knew the debit card section would be so valuable. that is the section I was missing in my life till now 😀
 
Yes go for upgrade to get 750 monthly.

Otherwise you can open another hdfc account if you have more to pay and earn cashback.

Another solution is indusind select account debit card. If you have legend card then open it at 0 balance.

Last is RBL signature debit card.
Regarding the IndusInd Select account, I already have a Legend Credit Card. What is the procedure like? How to open that savings account, and on the website it shows I will get a World / signature Select debits card. Which one is better? I already have a Legend Credit Card.
Thank you
 
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