HDFC Millennia DC: Smartbuy 5% + 5% (Extra 2.5% for online halted)

[desiviru]

Edit: The extra 2.5% on Sbuy not coming these days as confirmed by many. SO now it is 5% + 5% but Millennia CC still has 5%+1%..

This post is regarding earning 12.5% on Smartbuy using HDFC Millenia. There is nothing new in this but many of us are missing higher CB on low spend.

We all know that Millennia DC has max. cap of Rs.400 as 5% cashback so we mostly use it for 16000 CC Payment or some use it for wallet load of 40K.

The thing I analyzed today was, my friend in Dec- 2023 used his Millennia DC on smartbuy for Rs.5000 for flipkart voucher only and nowhere else. When I checked his rewards, it were 5% smartbuy cashback offer (upto Rs.1000/month) for HDFC cards i.e Rs.250 were credited in April 2024, 5% Millennia DC specific for txn on Smartbuy/Payzapp i.e as per TnC and also 2.5% as online usage. Total 375 was credited to him. Max. is 400.

With Millennia CC it was confirmed since years that smartbuy txns were giving 5% cashback + 1% online spend so total 6% but same is with Millennia DC also.

So next time when you buy A gift card from smartbuy worth Rs. 5340 will fetch you- Rs.267+133.50 = Rs. 400 (50 paisa 😆 will not be given as 400 is max limit). The smartbuy cashback of 5340*5/100= 267 will be extra and come under 1000 cashback category.

Main point missed was the 5% debit card specific cashback and 2.5% online and 1% offline/wallet load, all have a cumulative limit of max. 400. So most of us missed this thing as were spending more than 8000-16000 every month.

 

[desiviru]

How do you use the payzapp wallet balance ? Back to account?

Also, the payzapp prepaid card is considered debit ?

Yeah, back to acc. mostly. Keep some for UPI txns ocassionally.

Payzapp card is considered prepaid instrument. More like CC on payment gateways. Additional charges apply like I used on Tax portal for tax payment last year. If it were considered DC, it would have open plethora of loopholes.

 

[desiviru]

Update: Refund for both failed txns has been credited back to account. Missed checking the SMS/Email which came at 10:38 AM today.

As yesterday was Sunday I was expecting it to come on Tuesday.

Mostly if txn date + next day is working they credit it by evening. This time it is really fast. Atleast benefit of internal system of HDFC for both Card and Payzapp app helps in getting money back sooner.

CC: @SUBARNA Mahato @350modena @6ix9ine @Aniket @Centurion_wala @kuchbhi @pinki @2025 @Hemang and so on.

 

[harshraj013]

I also received bfre noon itself

 

[SUBARNA Mahato]

Update: Refund for both failed txns has been credited back to account. Missed checking the SMS/Email which came at 10:38 AM today.

As yesterday was Sunday I was expecting it to come on Tuesday.

Mostly if txn date + next day is working they credit it by evening. This time it is really fast. Atleast benefit of internal system of HDFC for both Card and Payzapp app helps in getting money back sooner.

CC: @SUBARNA Mahato @350modena @6ix9ine @Aniket @Centurion_wala @kuchbhi @pinki @2025 @Hemang and so on.

Don't want unnecessary transaction from HDFC savings account,used just for load money in wallet.. try to keep my transaction within 80k/ month ( 40k debit+40k credit),
But this types of transaction failure and reversal increasing my financial banking total transaction ammount unnecessarily

 

[harshraj013]

Don't want unnecessary transaction from HDFC savings account,used just for load money in wallet.. try to keep my transaction within 80k/ month ( 40k debit+40k credit),
But this types of transaction failure and reversal increasing my financial banking total transaction ammount unnecessarily

Consequences can be?

 

[desiviru]

Don't want unnecessary transaction from HDFC savings account,used just for load money in wallet.. try to keep my transaction within 80k/ month ( 40k debit+40k credit),
But this types of transaction failure and reversal increasing my financial banking total transaction ammount unnecessarily

Your life, your things, your rules. 🙂

 

[iBabubhau]

Millennia DC cashpoints redemption has charges?

 

[desiviru]

Millennia DC cashpoints redemption has charges?

No charges for redemption for DC.

Just for Info: CC has 50+9 GST = 59 charge for every cash redemption.

 

[SUBARNA Mahato]

Bery thank you

Update: Cashback for month of Feb 2025 credited in all account.

Koi puchey ki zindagi mein zokhim kab uthaya tha?


Toh usse yeh dikha dena ki Feb month mein apne ek account mein, 10 paise ki wajah se 400 ka nuksaan karaya tha.


View attachment 96219

Ab nahi milta 2.5% extra. Reliance Jiomart voucher le ke test kar liya. Bas 5%+5% aur chuna mil gaya. 🤣

Guys, those who have reward point like 393, 399.99 . How you guys reach this point to 400 for redemption
I have two account one have 399.9 and another 393 ? Can you say how i complete 400 point ( remaining that point)

Q:2 what is the validity of this reward point,⁉️⁉️ if I didn't make 393 point to 400 with in one year, any chance for point loss after one year?

Tell me solution where i earn that 400( as usual) and remaining point also been coverup

 

[MrJJ]

Guys, those who have reward point like 393, 399.99 . How you guys complete this point to 400 so that it's redeem??
I have two account one have 399.9 and another 393 ? Can you say how i complete 400 point ( remaining that point)

Q:2 what is the validity of this reward point,⁉️⁉️ if I didn't make 393 point to 400 with in one year, any chance for point loss after one year?

Tell me solution where i earn that 400( as usual) and remaining point also been coverup

I hate spoon feeding but here you lucky one... Say aaah....
Add ₹400 to Payzapp or Amazon Pay and be done with it. If you ask for any other solution I'll assume you are just here to waste everyone's time.
Validity of the points is 12 months.


All information is available on bank website:

Know Features & Benefits of Millennia Debit Card | HDFC Bank

Millennia Debit Card

www.hdfcbank.com

 

[Hemang]

Guys, those who have reward point like 393, 399.99 . How you guys reach this point to 400 for redemption
I have two account one have 399.9 and another 393 ? Can you say how i complete 400 point ( remaining that point)

Q:2 what is the validity of this reward point,⁉️⁉️ if I didn't make 393 point to 400 with in one year, any chance for point loss after one year?

Tell me solution where i earn that 400( as usual) and remaining point also been coverup

This is a million dollar question to which no one has answer bhai. And always the previous points are redeemed so this 393 or 399 would never expire. It will keep on moving forward, if you keep getting 400 every next month.
Only painful method left is you earn only 1 or 7 rupees in coming month which would happen only if you transact for the corresponding reward points only and not more than that. This way you would make up for the deficit in making the total sum Rs 400.

 

[SUBARNA Mahato]

I hate spoon feeding but here you lucky one... Say aaah....
Add ₹400 to Payzapp or Amazon Pay and be done with it. If you ask for any other solution I'll assume you are just here to waste everyone's time.
Validity of the points is 12 months.


All information is available on bank website:

Know Features & Benefits of Millennia Debit Card | HDFC Bank

Millennia Debit Card

www.hdfcbank.com

Got it that validity upto 1 year..

I hate spoon feeding but here you lucky one... Say aaah....
Add ₹400 to Payzapp or Amazon Pay and be done with it. If you ask for any other solution I'll assume you are just here to waste everyone's time.
Validity of the points is 12 months.


All information is available on bank website:

Know Features & Benefits of Millennia Debit Card | HDFC Bank

Millennia Debit Card

www.hdfcbank.com

I hate spoon feeding but here you lucky one... Say aaah....
Add ₹400 to Payzapp or Amazon Pay and be done with it. If you ask for any other solution I'll assume you are just here to waste everyone's time.
Validity of the points is 12 months.


All information is available on bank website:

Know Features & Benefits of Millennia Debit Card | HDFC Bank

Millennia Debit Card

www.hdfcbank.com

NO,
I have 399 point, but I can't redeem this point ( minimum point require is 400)
Let suppose this month i do 40000 transaction in add money to wallet, 3 month later i will get another 400 point
That means (399.99+ 400)= 799.99
But when i will go for redemption I can't redeem whole 799.99 points as i will not reach 800

 

[SUBARNA Mahato]

This is a million dollar question to which no one has answer bhai. And always the previous points are redeemed so this 393 or 399 would never expire. It will keep on moving forward, if you keep getting 400 every next month.
Only painful method left is you earn only 1 or 7 rupees in coming month which would happen only if you transact for the corresponding reward points only and not more than that. This way you would make up for the deficit in making the total sum Rs 400.

One account i have 396 points..
I am thinking to buy Myntra gift card of 250 voucher in "SMARTBUY* using Millennia dc to reach 400 from 396( as smartbuy gives additional 5% cashback from 1% wallet reload),

After that i will do around 40600( 20200+20400) transaction in Amazon wallet for getting monthly (MAY month '2025) 400 point what everyone get..
I think as smartbuy point and wallet money reward point are different thing's..

So 250*5%= 12.5 from smartbuy
And 40600*1% = 400( as maximum you can get 400)

Please confirm this method will be useful or not⁉️⁉️⁉️ ✅✅✅✅✅🔎🔍🔍🔍🔍🔵🔵

 

[Hemang]

One account i have 396 points..
I am thinking to buy Myntra gift card of 250 voucher in "SMARTBUY* using Millennia dc to reach 400 from 396( as smartbuy gives additional 5% cashback from 1% wallet reload),

After that i will do around 40600( 20200+20400) transaction in Amazon wallet for getting monthly (MAY month '2025) 400 point what everyone get..
I think as smartbuy point and wallet money reward point are different thing's..

So 250*5%= 12.5 from smartbuy
And 40600*1% = 400( as maximum you can get 400)

Please confirm this method will be useful or not⁉️⁉️⁉️ ✅✅✅✅✅🔎🔍🔍🔍🔍🔵🔵

Sari categories ka maximum 400 hota hai bhai cashback. They are not considered separate category for calculating cashback. It will be a futile exercise.

 

[desiviru]

Guys, those who have reward point like 393, 399.99 . How you guys reach this point to 400 for redemption
I have two account one have 399.9 and another 393 ? Can you say how i complete 400 point ( remaining that point)

Q:2 what is the validity of this reward point,⁉️⁉️ if I didn't make 393 point to 400 with in one year, any chance for point loss after one year?

Tell me solution where i earn that 400( as usual) and remaining point also been coverup

Look you will never be able to redeem this cashback now.

Suppose next month you earn Rs.400 cashback, your total cashback will be 799.90 and now you can redeem 400 only. As we can never earn more than 400 cashback this will never complete.

In case next month you do txn of say 1000 under 5% category like on smartbuy then you will get 50 cashback. Total 399.90+50. You redeem 400. 49.90 will always be there. Now if you see you already lost 350 of that month like not loaded to wallet.

So this loop is forever and you won't be able to redeem it. The only thing that can help in future HDFC reduces minimum multiple to say Rs.50/100. Even if it is made 250 it will be of help. After 1 year this cashback will expire itself.

So just forget it.

For 399.90 I emailed them but no response from them. They registered complaint and nothing after that even when timeline is crossed. I am waiting.

 

[desiviru]

One account i have 396 points..
I am thinking to buy Myntra gift card of 250 voucher in "SMARTBUY* using Millennia dc to reach 400 from 396( as smartbuy gives additional 5% cashback from 1% wallet reload),

After that i will do around 40600( 20200+20400) transaction in Amazon wallet for getting monthly (MAY month '2025) 400 point what everyone get..
I think as smartbuy point and wallet money reward point are different thing's..

So 250*5%= 12.5 from smartbuy
And 40600*1% = 400( as maximum you can get 400)

Please confirm this method will be useful or not⁉️⁉️⁉️ ✅✅✅✅✅🔎🔍🔍🔍🔍🔵🔵

The smartbuy cashback of Rs.12.50 will come under promotional cashback and will not add to this 396.51.

The promotional cashback redemption has Rs.1 min. value so you will be able to redeem 12.50 and it will be credited. This 396.51 will never become 400 again. It only that you load say Rs.500 in wallet which will give Rs.5 and it will become 401.51. But then in that month you can't do anything else and let go 395 again. So forget it and keep using your next 400. Someday when you again get 399.90 it will add to this and you will always be able to redeem 400 atleast.

 

[SUBARNA Mahato]

The smartbuy cashback of Rs.12.50 will come under promotional cashback and will not add to this 396.51.

The promotional cashback redemption has Rs.1 min. value so you will be able to redeem 12.50 and it will be credited. This 396.51 will never become 400 again. It only that you load say Rs.500 in wallet which will give Rs.5 and it will become 401.51. But then in that month you can't do anything else and let go 395 again. So forget it and keep using your next 400. Someday when you again get 399.90 it will add to this and you will always be able to redeem 400 atleast.

Ok got it..
What i understand that i have to miss out one month that's to cover that point, just 1000 add money in Amazon for that month..thats it

 

[arpit10082]

Ok got it..
What i understand that i have to miss out one month that's to cover that point, just 1000 add money in Amazon for that month..thats it

Simply don't miss your old points will be redeemed first
So no fear of losing point

 

[desiviru]

Ok got it..
What i understand that i have to miss out one month that's to cover that point, just 1000 add money in Amazon for that month..thats it

Why to miss out on next month. Keep doing it and these points will forever be there and maybe in future HDFC do reduce like in multiples of 100 and you will be able to redeem it.

Whenever you will redeem 400 pts now, these old pts will redeem first so you won't actually lose them till you are earning 400 more pts every month. But if you want to bring them to 0. Then do txn of say 400 to get 4 pts as with Millennia 400 is the minimum txn size. Get 4 pts in 399.90 account and redeem them. But I would advice you to ignore these pts and keep earning 400 pts with 40400/40600 load. Else for 2.5% online txn do 16K txn or on smartbuy 8K txn for this 400.