Is HDFC Millennia worth in 2024?

[Chitra007]

I'm getting a LTF HDFC millennia card on the basis of NTB. I'm already holding flipkart axis and icici amazon pay credit cards. Is HDFC Millennia really worth in 2024?

Reason I want to have this credit card in my collection:
1. I don't have a core HDFC credit card.
2. I actually wants tata neu infinity card but I'm getting a plus on tata neu app with a low limit. Also, someone has mentioned before that you will not get a core HDFC credit card after getting tata neu credit card. Is it true?
3. It will be helpful in bank offers and getting a tata neu infinity rupay credit card.

 

[COSMOCRAT]

Nah,, we don't wanna try that , we are good with nachos.
Do you order a replacement everytime after u eat?

Thats how you avoid fees

 

[Saarthak Parihar]

Nothing special, just use your hdfc millenia dc to pay cc bills via the hdfc netbanking/mobileapp to get extra 2.5% cb up to 400

I guess it's 1% upto ₹400.. correct me if I'm wrong, I've got preferred platinum easyshop debit card and I get 1% upto ₹750 per month.

 

[Saarthak Parihar]

How much were your spends. Because SBI has got too strict w.r.t. LTF offers.

I got it FYF as I applied for it as soon as it was announced so it was a promotional thing (October 2022). Did spends of around 3 lakhs in the year so the fee got waived off for the year October 2023-24. In January 2024 I called the customer care and raised a request to close my card and they instantly offered to make it LTF and they did... I told the customer care that SBI had devalued the card beyond the point that it's become unusable as far as my usage is concerned and I'm using other bank cards so I'll prefer to use other cards.. From October 2023 till January 2024 I'd spent around 10-11k from the card.

 

[DaDarkkNight]

I guess it's 1% upto ₹400.. correct me if I'm wrong, I've got preferred platinum easyshop debit card and I get 1% upto ₹750 per month.

1% is for easyshop platinum dc, 2.5% is for millenia debit card

 

[HumorSimpson]

1% is for easyshop platinum dc, 2.5% is for millenia debit card

Millenia upto 400
Platinum upto 750

 

[Pho3nix]

Millenia upto 400
Platinum upto 750

Yeah, Platinum is better than Millennia.

 

[Pho3nix]

Best card for double dipping.

Could you go into more detail? 😉

 

[Pho3nix]

DCB or RG is a good option, I am trying to procure it in offline mode through opening a salary account.

What advantages do RG and DCB have over Millennia?

 

[Pho3nix]

I'm getting a LTF HDFC millennia card on the basis of NTB.

How long did it take you to get that offer?

 

[Chitra007]

How long did it take you to get that offer?

Within two months and continuously followed up with credit card guy in branch.

 

[COSMOCRAT]

Could you go into more detail? 😉

If there is HDFC bank offer on Amazon or partners, you will get both a discount and a 5% cashback.

 

[Fini7777]

If there is HDFC bank offer on Amazon or partners, you will get both a discount and a 5% cashback.

yes, this is the USP of this card we can get bank offer + 5% cashpoints (upto Rs.1000)

 

[Fini7777]

What bothdvantages do RG and DCB have over Millennia?

their purpose and categories are totally different
RG and DCB are travel-centric cards whereas Millennia is a cashback card
Lounge access, flight/hotel bookings, Milestone benefit - RG and DCB
5% cashpoints on partner breands, Lounge access(Conditional) - Millennia

 

[Pho3nix]

If there is HDFC bank offer on Amazon or partners, you will get both a discount and a 5% cashback.

Even if HDFC Bank SmartBuy is not used for the transaction? @Fini7777

 

[Pho3nix]

Within two months and continuously followed up with credit card guy in branch.

Is that a Salary account? Are you a Premier banking customer?

 

[iampqq]

I took tata neu+ rupay with 25k limit

 

[Fini7777]

Even if HDFC Bank SmartBuy is not used for the transaction? @Fini7777

hdfc smartbuy discontinued amazon from their list so there's nothing to do with smartbuy portal here

Let's say there's an instant discount offer for a product in amazon, using hdfc HDFC MILLENNIA u get 5% cashpoints + that instant discount this is the main pro of this card

 

[Pho3nix]

hdfc smartbuy discontinued amazon from their list so there's nothing to do with smartbuy portal here

Let's say there's an instant discount offer for a product in amazon, using hdfc HDFC MILLENNIA u get 5% cashpoints + that instant discount this is the main pro of this card

Thank you for the clarification

 

[HumorSimpson]

hdfc smartbuy discontinued amazon from their list so there's nothing to do with smartbuy portal here

So, the AGV gone for ever ? for all the CC and DC cards too ?

 

[Fini7777]

So, the AGV gone for ever ? for all the CC and DC cards too ?

No, Not AGV it is still available
I am talking about direct Amazon shopping via Smartbuy portal which used to give 5% cashback earlier but it was removed from smartbuy a few months back