millenia debit card

[dearrangaji]

please millenia debit card k benefits share kre jo credit card se na milte ho kyuki mere pas credit card or debit card dono h....

 

[adarshdessai1993]

Millennia Debit Card ke kuch unique benefits jo generally Credit Card mein nahi milte, yeh hain:

​

• Debit card ke saath bhi fraud hone par liability limit hoti hai (RBI guidelines ke under), lekin credit card ki tarah high-limit protection nahi hoti.

​

• Debit card se direct bank balance use hota hai, isliye no interest/EMI burden (jabki credit card pe late payment par heavy charges lagte hain).

​

• Millennia Debit Card pe 1% cashback milta hai (₹400/month max) on:
  
  • Online shopping (Amazon, Flipkart, etc.)
  • Utility bills (electricity, mobile recharge)
  • Wallet reloads (Paytm, Amazon Pay)
  • Credit cards pe ye cashback usually nahi milta.

​

• Millennia Debit Card ka annual fee waiver easily mil jaata hai (min. balance maintain karne par), jabki credit card pe fees compulsory hoti hai.

​

• ATM se free cash withdrawals (HDFC/non-HDFC ATMs mein limit ke saath).
• Credit card se cash nikalne par high charges (4-5%) lagte hain.

​

• BookMyShow pe 50% off (max ₹200 off) – monthly 2 times.
• Swiggy/Zomato pe discounts (credit card se alag offers hote hain).

​

• Credit score improvement
• Reward points on spends (debit card pe limited cashback hai)
• Higher lounge access (Millennia DC pe only 4 per quarter vs. credit card pe more)
• Big-ticket EMI options

​

Agar aapke paas dono cards hain, toh:

• Debit Card: Daily spends, bill payments, cash withdrawals ke liye.
• Credit Card: Big purchases, EMI, travel bookings ke liye.

Koi specific benefit ke baare mein aur details chahiye toh batao!

 

[Personal Finance by Nish…]

please millenia debit card k benefits share kre jo credit card se na milte ho kyuki mere pas credit card or debit card dono h....

HDFC Millennia DC and HDFC Millennia CC offer distinct benefits, catering to different needs and preferences.

Key Differences
Joining Fee-HDFC Millennia Debit Card has no joining fee, while HDFC Millennia Credit Card charges Rs. 1,000.
Annual Fee-Debit card annual fee is Rs. 500, whereas credit card annual fee is Rs. 1,000 (waived off on spending Rs. 1 lakh in a year).
Reward Benefits-Both cards offer cashback points, but credit cards provide more lucrative rewards, especially for online transactions

Reward Benefits
HDFC Millennia Debit Card
5% cashback points on shopping via PayZapp and SmartBuy
2.5% cashback points on online spends
1% cashback points on offline spends and wallet reloads
HDFC Millennia Credit Card
5% cashback points on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato
1% cashback points on all other spends, including EMI and wallet transactions

Travel Benefits
HDFC Millennia Debit Card 4 complimentary domestic lounge access every year
HDFC Millennia Credit Card 8 complimentary domestic lounge access every year

Choosing the Right Card
Consider the HDFC Millennia Debit Card if
You don't want to pay a high annual fee
You're inclined towards rewards
You don't have a good credit score

Consider the HDFC Millennia Credit Card if
You have a credit history
You frequently travel across the country
You're ready to pay joining and annual fees
You want to earn basic dining benefits

Ultimately, the HDFC Millennia Credit Card offers more benefits and rewards, but at a higher cost. Evaluate your needs and choose the card that best aligns with your lifestyle and financial goals.

Thanks