I have an APAY ICICI Bank credit card and I spend over 50,000 INR every month. Currently, I pay my bill using the HDFC Millennia Debit Card and receive 400 INR cashback. To maximize my cashback, I am considering paying 16,000 INR of my credit card bill using the HDFC Millennia Debit Card and paying the remaining amount through another platform that offers cashback.
Could you please suggest other platforms that provide good cashback offers? Additionally, I have the option to upgrade my HDFC Millennia Debit Card to the HDFC Platinum Debit Card, which offers a maximum cashback of 750 INR. Should I go ahead with this upgrade?
Thank you in advance for your help,
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!