I suggest you switch up your strategy a bit. Use UPI for small purchases since it's free, and save the Millennia card for bigger buys to get 5% cashback. The Indulge card really only makes sense if you’re spending over ₹10 lakh a year; otherwise, it’s just a costly card that doesn't do much for you. It might be a good idea to check your statements every few months. If the fees are higher than the rewards you’re actually getting, it might be time to consider canceling it.
HDFC Bank Credit Card
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