Hurray!🎉Just got my first unsecured CC-HDFC Millennia.

Before the keyboard warriors😡 come at me—I did go through the sub’s history. But with banks constantly devaluing CCs, things may not be as relevant anymore.

I was shocked to get a ₹1L credit limit since people often complain and whine about HDFC limits. Now, I need your advice,especially the one’s with Millennia please help your homie out.

1.How to get the most out of this card?How to squeeze every single penny(Ik Rupee…gotta make it LTF eventually after using it for a couple of months).

2.Any hacks or lesser-known tricks that others are not aware of?

3.I also have a Millennia Debit Card—can I pay my CC bill with it and earn cashback? Best place to pay bills?Payzapp?Amazon?Unipay?

4.Should I go for SBI Cashback or Amazon Pay ICICI CC next? (I shop a lot on Amazon, but SBI’s 5% on online spends is tempting).I have SBI Savings account for almost 7-8 years,and after creating a savings account on HDFC,it’s quite dormant now.

5.How to increase my credit limit?HDFC CC users please chip in-anything wrt to spending,Ik it’s all about their algorithm,but you might know or have observed stuff based on your experience with HDFC?!

Thanks for your time,I highly appreciate it!

Before the keyboard warriors😡 come at me—I did go through the sub’s history. But with banks constantly devaluing CCs, things may not be as relevant anymore.

I was shocked to get a ₹1L credit limit since people often complain and whine about HDFC limits. Now, I need your advice,especially the one’s with Millennia please help your homie out.

1.How to get the most out of this card?How to squeeze every single penny(Ik Rupee…gotta make it LTF eventually after using it for a couple of months).

2.Any hacks or lesser-known tricks that others are not aware of?

3.I also have a Millennia Debit Card—can I pay my CC bill with it and earn cashback? Best place to pay bills?Payzapp?Amazon?Unipay?

4.Should I go for SBI Cashback or Amazon Pay ICICI CC next? (I shop a lot on Amazon, but SBI’s 5% on online spends is tempting).I have SBI Savings account for almost 7-8 years,and after creating a savings account on HDFC,it’s quite dormant now.

5.How to increase my credit limit?HDFC CC users please chip in-anything wrt to spending,Ik it’s all about their algorithm,but you might know or have observed stuff based on your experience with HDFC?!

Thanks for your time,I highly appreciate it!