Subhash - Best Answers

Hey Kushal,

You’ve got a good setup with your APAY ICICI Bank credit card and HDFC Millennia Debit Card. If you’re looking to maximize your cashback, there are a few things to consider.

For other platforms that offer good cashback, here are a few options:

Amazon Pay: If you use Amazon Pay UPI for transactions, you often get cashback offers that can be quite rewarding, especially during sales or promotions.
Paytm: Paytm offers cashback and rewards on various transactions, including bill payments and recharges. They have frequent offers, so it’s worth checking out.
PhonePe: Similar to Paytm, PhonePe provides cashback on various transactions. They have specific offers that might align with your spending habits.
Google Pay: Google Pay also has various cashback offers and rewards. They often run promotions that can give you decent returns on your spending.
Now, regarding the upgrade to the HDFC Platinum Debit Card, it seems like a good idea. If you’re already spending over 50,000 INR monthly and getting 400 INR cashback with the Millennia Debit Card, upgrading to the Platinum Debit Card could increase your cashback to 750 INR. This upgrade makes sense if the annual fees and other charges on the Platinum card are justified by the additional cashback you’ll earn.

In short, try to split your payments to leverage the best offers from different platforms. And if the upgrade to the HDFC Platinum Debit Card doesn’t have significant extra costs, it sounds like a smart move.

Hope this helps!