which is the best HDFC debit card

[newIntern]

I currently hold Millennia DC (Free because of savings max account), I am currently Preferred Banking program but getting into imperia banking upgrade.
Which card should I upgrade to?

I tried to use their their website but according to their compare tool, all platinum cards have the same benefit except for Imperia platinum & for some reason Imperia benefits are worse than lower variant.

My understanding is I can get all these cards for free. so please help me select the best one.

 

[newinnov]

They are basically the same, with different card print.

 

[newIntern]

They are basically the same, with different card print.

so no benefit of getting a higher variant DC, and then why are charges different?

 

[TechnoFi]

They are basically the same, with different card print.

Insurance cover is different in all these cards.

 

[Umang85]

Depending on your use case. Platinum or Millenia are the best HDFC debit card to hold.

 

[newIntern]

Insurance cover is different in all these cards.

I dont think I care about that, should I?

any other difference apart from that?

 

[newIntern]

Depending on your use case. Platinum or Millenia are the best HDFC debit card to hold.

already have millennia & all platinum looks exactly same to me except for insurance coverage (dont care about that)

 

[Syed Adil Abbas]

if your spend is within this limit stay with Millenia DC

In Millenia

• 2.5% Cashback points  on all online Spends
• Maximum aggregate Cashback Points per account per month is 400

if your spend is within this limit then go for platinum DC

• Get 1 Cashback point on every ₹ 200 spent on Groceries, Supermarket, Restaurant, Apparels & Entertainment
• Maximum cap of ₹ 750 per account per month

think about Annual and renewal fees of DC

Note: insurance coverage is not that much easy to avail (Be Practical)

 

[newIntern]

if your spend is within this limit stay with Millenia DC

In Millenia

• 2.5% Cashback points  on all online Spends
• Maximum aggregate Cashback Points per account per month is 400

if your spend is within this limit then go for platinum DC

• Get 1 Cashback point on every ₹ 200 spent on Groceries, Supermarket, Restaurant, Apparels & Entertainment
• Maximum cap of ₹ 750 per account per month

think about Annual and renewal fees of DC

Note: insurance coverage is not that much easy to avail (Be Practical)

so for spending upto 16k, millennia is the best option, and upto 40k millennia is also better option (1% in platinum so we need to spend 40k to match millennia 2.5% ) but if spending is more than 40k every month then definitely platinum is better (card variant dosent matter because they all offer exactly same benefit.)

the only benefit with platinum if spending is less than 40k seems to be the reward point credit time, millennia take 3 months while platinum RP gets credited in 2 days.