Best ways to squeeze HDFC Millennia Credit Card

To maximize the benefits of this card, consider the following strategies:

1. Leverage 5% Cashback Categories:
   • Focus your spending on categories where you earn 5% cashback, such as Amazon, BookMyShow, Swiggy, Zomato, etc.
   • Plan your purchases in advance, especially for big-ticket items, to take advantage of the higher cashback rate.
2. Optimize Online Shopping:
   • Use the card for online shopping on platforms like Amazon, Tata CLiQ, and Scamkart (assuming it's a legitimate website) to earn 5% cashback.
   • Look out for special promotions or discounts offered by these platforms to stack additional savings on top of the cashback.
3. Dining and Entertainment:
   • Use the card when dining out or ordering food from Swiggy, Zomato, or Cult.fit to earn 5% cashback on your food expenses.
   • Purchase movie tickets or subscribe to streaming services like Sony LIV using the card to maximize cashback on entertainment expenses.
4. Transportation Expenses:
   • Use the card to pay for Uber rides to earn 5% cashback on transportation expenses.
   • Consider using Uber for commuting or traveling to further maximize cashback earnings.
5. Combine with Other Offers:
   • Look for additional discounts, vouchers, or cashback offers provided by the merchant in conjunction with the card's benefits.
   • Stack these offers with the card's cashback rewards to maximize savings on your purchases.
6. Utilize for Regular Spending:
   • Even for purchases outside the 5% cashback categories, continue using the card to earn 1% cashback on all other expenses.
   • Over time, these smaller cashback amounts can add up, contributing to further savings.
7. Track Spending and Rewards:
   • Keep track of your spending to ensure you're maximizing cashback opportunities in the 5% categories.
   • Monitor your cashback earnings regularly and redeem them timely to enjoy the benefits fully.
8. Pay Off Balance in Full:
   • To avoid interest charges, pay off your credit card balance in full each month.
   • By doing so, you can fully enjoy the cashback benefits without incurring additional costs.

By implementing these strategies, you can make the most of your credit card's benefits and maximize cashback earnings on your everyday expenses.

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