Millennia DC vs. Millennia CC benefits

[Trust Me]

Couldn't find this topic discussed anywhere on search, so putting my query in a new thread.

What are the basic differences in benefits of the Millennia debit card as opposed to those of the Millennia credit card? I'm not talking about the maximum entitlement per month, redemption rules and such, -- those can be found easily enough.

I'm confused about the 5% cashback benefits from SmartBuy and PayZapp, for example. The Millennia Credit card rules clearly specify a number of vendors (including Amazon and Flipkart) who provide this 5% cashback benefit.

However, the Millennia Debit card rules are non-committal, just promising 5% unspecified cashback at SmartBuy and PayZapp! When queried, the HDFC Customer service was also non-committal, just pointing me to the SmartBuy T&C page which doesn't even mention the Millennia Debit card, so it must be clubbed with the non-specific 'other debit cards'!

If there are no differentiating benefits over 'other debit cards', then why even hype up the '5% cashback at SmartBuy and PayZapp' for the Millennia debit card?! Just marketing?
Anybody knows? Thanks.

 

[CHOCOPANDA]

You can't get Rs.400 CB every month by loading money into PayTM wallet via any other HDFC DC 😛

Btw, I don't think 5% mention is hype, they have just mentioned that you would get it..


Well.... Credit card is credit card i.e. you are getting the benifit of buying all items on credit and then paying the bill at the end of month (or whatever your stmt period is) while if you use Debit card, the amount would go at that very moment (just gave high level idea, which you might already be knowing)

Both have 5% CB on SmartBuy and so, they are mostly equal (railway booking is costly via CC than DC)

To compare some pros and cons of both (which can be compared via their offerings too)-

Some pros of Millennia DC over CC:
- you will get 2.5% CB on other online spends when compared to CC's 1% CB
- No additional processing fee or charges while using it online (wallet loads, railway booking, etc)

Some pros of Millennia CC over DC:
- Higher per month CB limit (2000 vs 400, including all spends)
- Additional Rs.1000 voucher on spending 1L in a quarter
- May get upgraded to higher CC variants in future.

2.5% cashback on online spents upto rs. 400 on millenia dc.
and if that online spent is wallet load then cashpoint @1% upto 400rs.
am i correct?

 

[CHOCOPANDA]

Millenia DC gives 5% cashback on Smartbuy upto 1000 (just like Millenia CC) + 5% cashpoints upto 400 (1 cashpoint = 1 Rupee)

Reference link: https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=

One con of Millenia DC is 2.5% cashback is only on spends above 400 rupees.

MDC
upto 1000cashback @5% on smartbuy.

and 400 cashpoints @2.5%

400+800 when 16000 product
1200/16000=7.5

400+1000 when 20000 product
1400/20000=7%

MCC
upto 1000cashback on smartbuy+1% upto 1000

160+800=960/16000=6%
now pay by mdc 16000 rs on mobiquick and get 400rs cashback @2.5%

if mcc and mdc both
then 160+800+400=1360/16000 =8.5%

 

[CHOCOPANDA]

MDC
upto 1000cashback @5% on smartbuy.

and 400 cashpoints @2.5%

400+800 when 16000 product
1200/16000=7.5

400+1000 when 20000 product
1400/20000=7%

MCC
upto 1000cashback on smartbuy+1% upto 1000

160+800=960/16000=6%
now pay by mdc 16000 rs on mobiquick and get 400rs cashback @2.5%

if mcc and mdc both
then 160+800+400=1360/16000 =8.5%

am i correct?

 

[4uziaul]

am i correct?

@Chaitanya-a tumko yaad kiya gaya hai 🤣

 

[Chaitanya-a]

MDC
upto 1000cashback @5% on smartbuy.

and 400 cashpoints @2.5%

400+800 when 16000 product
1200/16000=7.5

400+1000 when 20000 product
1400/20000=7%

MCC
upto 1000cashback on smartbuy+1% upto 1000

160+800=960/16000=6%
now pay by mdc 16000 rs on mobiquick and get 400rs cashback @2.5%

if mcc and mdc both
then 160+800+400=1360/16000 =8.5%

Ye ek janam ki calculation hai?

 

[CHOCOPANDA]

Ye ek janam ki calculation hai?

bhai apse hi gyan prapt huwa h. bus thora enlighten kijiy. waise bhi apka naam chaitanya hai

 

[Deleted member 16965]

bhai apse hi gyan prapt huwa h. bus thora enlighten kijiy. waise bhi apka naam chaitanya hai

Chaitanya also has 2 words: Chai + Tanya and I like both.

 

[Rocky Bhai]

MDC
upto 1000cashback @5% on smartbuy.

and 400 cashpoints @2.5%

400+800 when 16000 product
1200/16000=7.5

400+1000 when 20000 product
1400/20000=7%

MCC
upto 1000cashback on smartbuy+1% upto 1000

160+800=960/16000=6%
now pay by mdc 16000 rs on mobiquick and get 400rs cashback @2.5%

if mcc and mdc both
then 160+800+400=1360/16000 =8.5%

😲 Never calculated such cashback on mcc mdc I'm using till date blindly man 😴

 

[AritraSaha]

MDC
upto 1000cashback @5% on smartbuy.

and 400 cashpoints @2.5%

400+800 when 16000 product
1200/16000=7.5

400+1000 when 20000 product
1400/20000=7%

MCC
upto 1000cashback on smartbuy+1% upto 1000

160+800=960/16000=6%
now pay by mdc 16000 rs on mobiquick and get 400rs cashback @2.5%

if mcc and mdc both
then 160+800+400=1360/16000 =8.5%

 

[VISHESH_BANSAL]

MDC
upto 1000cashback @5% on smartbuy.

and 400 cashpoints @2.5%

400+800 when 16000 product
1200/16000=7.5

400+1000 when 20000 product
1400/20000=7%

MCC
upto 1000cashback on smartbuy+1% upto 1000

160+800=960/16000=6%
now pay by mdc 16000 rs on mobiquick and get 400rs cashback @2.5%

if mcc and mdc both
then 160+800+400=1360/16000 =8.5%

You did a good Comparison. 🫡

 

[Deleted member 16965]

MDC
upto 1000cashback @5% on smartbuy.

and 400 cashpoints @2.5%

400+800 when 16000 product
1200/16000=7.5

400+1000 when 20000 product
1400/20000=7%

MCC
upto 1000cashback on smartbuy+1% upto 1000

160+800=960/16000=6%
now pay by mdc 16000 rs on mobiquick and get 400rs cashback @2.5%

if mcc and mdc both
then 160+800+400=1360/16000 =8.5%

Yeh samajhna akele bande ka kaam nahi hai.... 2-3 brains loan par lene padenge

 

[CHOCOPANDA]

Ye ek janam ki calculation hai?

mcc ka smartbuy ka cashback to directly statement me aata h.

mdc ka bank me aata h kya.? pls reply

 

[Rocky Bhai]

MDC
upto 1000cashback @5% on smartbuy.

and 400 cashpoints @2.5%

400+800 when 16000 product
1200/16000=7.5

400+1000 when 20000 product
1400/20000=7%

MCC
upto 1000cashback on smartbuy+1% upto 1000

160+800=960/16000=6%
now pay by mdc 16000 rs on mobiquick and get 400rs cashback @2.5%

if mcc and mdc both
then 160+800+400=1360/16000 =8.5%

 

[CHOCOPANDA]

You did a good Comparison. 🫡

apka hi wait ker rha tha guruji. nichor ke profit lene ke liye tnc pure pata hona chiye. koi galti to nhi h. calculation me

 

[CHOCOPANDA]

Ye ek janam ki calculation hai?

colurnote me likh ke calculate kerke phir post kiya hu

 

[4uziaul]

apka hi wait ker rha tha guruji. nichor ke profit lene ke liye tnc pure pata hona chiye. koi galti to nhi h. calculation me

Tab galat insaan ko tumne tag Kiya hai... Ruko Zara bola ta hoon sahi bande ko jo sirf card ka pehle 4 number dekh kar pura kundli bata dega 😂

@Abhishek012

 

[Chaitanya-a]

mcc ka smartbuy ka cashback to directly statement me aata h.

mdc ka bank me aata h kya.? pls reply

Haan mdc ka promotional cashback aata hai bank me usko redeem krna hota hai.

 

[Deleted member 16965]

Tab galat insaan ko tumne tag Kiya hai... Ruko Zara bola tha hoon sahi bande ko jo sirf card pehle 4 number dekh kar pura kundli bata dega 😂

@Abhishek012

He will give free suggestions only for RuPay cards and will charge fees for Visa/MC cards.

 

[CHOCOPANDA]

Haan mdc ka promotional cashback aata hai bank me usko redeem krna hota hai.

ok

 

[Rocky Bhai]

Tab galat insaan ko tumne tag Kiya hai... Ruko Zara bola tha hoon sahi bande ko jo sirf card pehle 4 number dekh kar pura kundli bata dega 😂

@Abhishek012

Abhishek like ye card rupay me nahi hai to Mera isme expertise nahi hai so I'm out 🤣