Alternative to HDFC MILLENIA CC
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HDFC easy emi credit card provide same benefits as millennia credit card.
Same 5%, 2.5% and 1% reward rate as millennia.
Cashback limit on HDFC millennia credit card is 1000 pm whereas 750 pm in HDFC easyemi credit card (for each reward slabs).
Charges are 1000+ GST in millennia and 500+ GST in easyemi.
Only drawback is that transactions over 10k is auto converted to emi of 9 months in easyemi credit card.
But you will be earning cashback on emi transaction in easyemi cc
Value of 1 cashpoint is ₹1 in both the cards for redemption against statement balance (cashback).
If any of you have or used the card in the past, please share your valuable experience and reviews.
Please share the process to apply. If I mail HDFC Bank and request them to offer me the Card, will they issue?
Have anyone tried this method??
Please share and comment.
Thank you!
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Check on website bro... I think 1.6% pm.
Millenia Credit don't have 2.5% bracket
its 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato and 1% on all other spends
For easyemi min txn should be 2K for cashback while millenia don't have such condition
Try via agent, you can get Millenia as LTF through them
HDFC EASY EMI CREDIT CARD IS A GOOD CREDIT CARD IN MY OPINION
Khatarnak cc.. avoid
Easy emi is the worst card from HDFC. I had that once which I upgraded to Millennia. It will auto convert any txn above 10k into emi even if you dont want .
How did you get easy emi credit card?
Life time free?
Millennia as LTF or not?
Easy EMI was upgraded from some other card as LTF. I mailed HDFC that its the worst card ever from them and I dont want it, but want Millennia and they gave it with LTF.
You're so lucky bro... They sent me unsatisfied reply of my mail ☹️
my first card was easyemi, two biggest drawbacks of this card are one you will get cashback on minimum spends of 2k and via only smartbuy or payzapp and second every transaction above 10k will be auto converted into 9 month emi and then you have to call them to cancel this emi.
then I upgraded to millenia , but only caveat with it its not lifetime free. You have to spend 1 lakh in a calendar year to waive of 1000 charges which is manageable but still a problem.
Was your easyemi card ltf?
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what abt emi interest ?