Dought & clear, - Ruling on offering congratulations at the beginning of the Hijri year

What is the ruling on offering congratulations on the occasion of the
Hijri new year and saying "Kull 'aam wa antum bi khayr" or praying for
blessing, or sending a card with best wishes for blessings in the new
year?
Praise be to Allah
Shaykh Muhammad ibn Saalih al-'Uthaymeen (may Allaah have mercy on
him) was asked: What is the ruling on congratulating people on the
occasion of the Hijri new year, and how should one reply to a person
who offers congratulations?
He replied:
If someone offers you congratulations, then respond to him, but do not
initiate such greetings. This is the correct view concerning this
matter. So if a person says to you, for example, "Happy New Year",
then you can say, "May Allaah make it a good and blessed year for
you." But you should not initiate such a greeting, because I do not
know of any report that the salaf [early generations of Islam]
congratulated one another on the occasion of the new year, rather the
salaf did not regard the first of Muharram as the first day of the new
year until the caliphate of 'Umar ibn al-Khattaab (may Allaah be
pleased with him.
Shaykh 'Abd al-Kareem al-Khudayr said concerning offering
congratulations on the occasion of the hijri new year:
Praying for another Muslim in general terms, in phrases that are not
meant as a kind of ritual on special occasions such as Eid, is
acceptable, especially if what is meant by this greeting is friendship
and to show a friendly face to one's fellow Muslim. Imaam Ahmad (may
Allaah have mercy on him) said: "I do not initiate the greeting but if
someone greets me I return the greeting, because responding to the
greeting is obligatory. But being the first to offer congratulations
is neither Sunnah nor forbidden.