Moneyback+ or Millennia credit card?

[ramandeep]

1. I am thinking of applying for hdfc credit card which one should I go for Moneyback+ or Millennia, though I am leaning towards Millennia due to cashback reason, but want to know will instant 10% cashback applicable on Millennia during offer sale?

2. Also if transfer 50k within 90 days to my NPS account, will it become lifetime free?

3. What will be charges for transferring to NPS through credit card extra or same?

 

[ramandeep]

Anyone?

 

[panu24]

Remember banks do not want to give double benefits to its customers by giving instant discount along with cashback Or reward points. So i think if you use your card which will give to you instant discount then forget cashback on it or viceversa.
If some cards are providing double benefits it will not last long.
Spend based offers for LTF need to be confirmed from customer care first. I do not think there is same spend amount for all cards.
Check here there are some discussions about NPS payments. You will definitely pay extra charges for NPS payment.

 

[ramandeep]

Remember banks do not want to give double benefits to its customers by giving instant discount along with cashback Or reward points. So i think if you use your card which will give to you instant discount then forget cashback on it or viceversa.
If some cards are providing double benefits it will not last long.
Spend based offers for LTF need to be confirmed from customer care first. I do not think there is same spend amount for all cards.
Check here there are some discussions about NPS payments. You will definitely pay extra charges for NPS payment.

So instant 10% cashback wont be applicable on millennia card, will only get 5% instant cashback? What if don't want 5% cashback but need 10% instant cashback, is there a option to do millennia card?

 

[panu24]

I shop on Amazon mostly and amazon have 10% instant discount on SBI cards only. If you use Millennia card, you will get 5% cashback in Amazon sale.

 

[panu24]

In general if you get instant discount you will not get cashback or reward points. This you cannot decide, it's decided by that sale terms and conditions.

 

[Strange]

I shop on Amazon mostly and amazon have 10% instant discount on SBI cards only. If you use Millennia card, you will get 5% cashback in Amazon sale.

Millennia doesn't work for instant discounts?
What about Money Back+?

 

[akshayhs]

Millennia doesn't work for instant discounts?
What about Money Back+?

Point he is trying to make is, either you will get CP or the instant discount and not both.

 

[ramandeep]

I want to know can we avail 10% instant discount on millennia or not?
I dont care about 5% discount at that time.
But will i be eligible for 10% discount or not at the time of sale with millennia?

 

[panu24]

If Amazon itself not offering you any instant discount on HDFC cards during their sale then how can you get 10% instant discount?
I don't remember to see during sale Amazon offered 10% instant discount on HDFC cards.
Like I said all depends on every sale terms and conditions.
E.g. Current Amazon sale clearly said no instant discount offer for SBI Cashback card but only for other SBI cards.

If any sale does not have offer on your card for 10% instant discount then you will get only Millennia's 5% cashback as Amazon is special partner for this card.
if any sale does offer you 10% instant discount on your bank cards but in sale terms and condition, its said your card is excluded from 10% discount then you get your card's cashback/reward points. in your Millennia case 5% cashback
if any sale does offer 10% instant discount but that sale terms and condition does not mention anything about your card then you will get double benefit that is 10% instant discount + your card's benefits like cashback/reward points. In your case for Millennia you should get 10% instant discount + 5% cashback.

Hope it now clear your doubt.

 

[ramandeep]

If Amazon itself not offering you any instant discount on HDFC cards during their sale then how can you get 10% instant discount?
I don't remember to see during sale Amazon offered 10% instant discount on HDFC cards.
Like I said all depends on every sale terms and conditions.
E.g. Current Amazon sale clearly said no instant discount offer for SBI Cashback card but only for other SBI cards.

If any sale does not have offer on your card for 10% instant discount then you will get only Millennia's 5% cashback as Amazon is special partner for this card.
if any sale does offer you 10% instant discount on your bank cards but in sale terms and condition, its said your card is excluded from 10% discount then you get your card's cashback/reward points. in your Millennia case 5% cashback
if any sale does offer 10% instant discount but that sale terms and condition does not mention anything about your card then you will get double benefit that is 10% instant discount + your card's benefits like cashback/reward points. In your case for Millennia you should get 10% instant discount + 5% cashback.

Hope it now clear your doubt.

I meant to ask was there any scenario earlier in which there was a sale on hdfc card and this card was excluded from it, either the sale on amazon or flipkart?

 

[panu24]

I will let others to reply here as I don't know about hdfc card offering instant discount case on amazon at least.

 

[ramandeep]

I will let others to reply here as I don't know about hdfc card offering instant discount case on amazon at least.

okay, do you any idea regarding this situation?

Do I need to pay this bill now?

I recently purchased tv on flipkart with icici credit card on 12 Jan and then canceled the ordered, bill was generated on 14 Jan and also received the refund today. Do I need to pay the bill now as there is no current outstanding on the card?

www.technofino.in

 

[sathish]

okay, do you any idea regarding this situation?

Do I need to pay this bill now?

I recently purchased tv on flipkart with icici credit card on 12 Jan and then canceled the ordered, bill was generated on 14 Jan and also received the refund today. Do I need to pay the bill now as there is no current outstanding on the card?

www.technofino.in

no need to pay

 

[anirban.choudhuryanirban.choudhury is verified member.]

1. I am thinking of applying for hdfc credit card which one should I go for Moneyback+ or Millennia, though I am leaning towards Millennia due to cashback reason, but want to know will instant 10% cashback applicable on Millennia during offer sale?

2. Also if transfer 50k within 90 days to my NPS account, will it become lifetime free?

3. What will be charges for transferring to NPS through credit card extra or same?

Get Milennia ( There are many ways its given LTF , just call customer care and check the criteria for LTF, mostly if you have a salary account its given LTF )
Money back + is a waste card

 

[ramandeep]

Get Milennia ( There are many ways its given LTF , just call customer care and check the criteria for LTF, mostly if you have a salary account its given LTF )
Money back + is a waste card

I prefer millennia card too but the concern I have like other cashback cards are excluded during amazon/flipkart, is this card too excluded?

 

[Sevendar@01]

1. I am thinking of applying for hdfc credit card which one should I go for Moneyback+ or Millennia, though I am leaning towards Millennia due to cashback reason, but want to know will instant 10% cashback applicable on Millennia during offer sale?

2. Also if transfer 50k within 90 days to my NPS account, will it become lifetime free?

3. What will be charges for transferring to NPS through credit card extra or same?

I am a millennia user from one year
1. You will get 10% discount and 5 % Cashback for sure ( I have personally tried it) and think it will last long forever
2. As far as I know spend based offer is removed, to get millennia Ltf you need to apply offline via C2C or give your salary slips these are the only ways to make it Ltf.

 

[panu24]

I am a millennia user from one year
1. You will get 10% discount and 5 % Cashback for sure ( I have personally tried it) and think it will last long forever

I am interested in knowing where you got 10% instant discount along with 5% cashback. Is it on Amazon or Flipkart? also during sale or anytime when you see any item is being offered as 10% instant discount?

 

[ramandeep]

I prefer millennia card too but the concern I have like other cashback cards are excluded during amazon/flipkart, is this card too excluded?

Can anyone surely confirm this?

 

[Sevendar@01]

I am interested in knowing where you got 10% instant discount along with 5% cashback. Is it on Amazon or Flipkart? also during sale or anytime when you see any item is being offered as 10% instant discount?

When there is some offer going on that there is 10% discount on HDFC cards then you will get it on millennia card and after that you will also get 5% cashback, i have personally tried it