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

desiviru

TF Legend
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.
 
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Solution
If it is 8.96%, then only I want to buy AGV 5000 every month using millennia DC; otherwise, it's a loss for me. The problem is I have to wait 90 days to verify. Thats why asking.
6.46% is guaranteed. Rest questionable now as some people told they didn't get it (extra 2.5%). I can't verify myself these days as paying 16K bills.
Another thing that confused me is... in Payzapp shop they are providing 3% for DC (all DC right?) but it was written 5% here https://www.hdfcbank.com/personal/pay/cards/millennia-cards/millennia-debit-card (ur given link). I can see the Payzapp page. It is clearly mentioned as 3%, and the change (5% to 3%) was possibly done 2-3 months back.
When you purchase APayV or any other voucher...
Millennia DC cashback for month of May 2025 has been credited today.

I got in just 1 account as of now. By evening/midnight it may be credited for all other accs.

So the last cashback before rule change is getting credited and from now on no more awaited cashbacks are left.

@6ix9ine @2025 @Hemang @kuchbhi @pinki @Aniket @350modena @Centurion_wala @SUBARNA Mahato @Strange
The new internet banking is having issues redeeming, atleast yesterday night. Need to check again today.
 
Millennia DC cashback for month of May 2025 has been credited today.

I got in just 1 account as of now. By evening/midnight it may be credited for all other accs.

So the last cashback before rule change is getting credited and from now on no more awaited cashbacks are left.

@6ix9ine @2025 @Hemang @kuchbhi @pinki @Aniket @350modena @Centurion_wala @SUBARNA Mahato @Strange
Last night, I received points for only 1 transaction from May. I actually did 3 transactions that month, so seems like poora bhi complete nhi kiya mere account mai 🤣 wait kartu hai 1-2 din hopefully sab sahi se karde.
 
Millennia DC cashback for month of May 2025 has been credited today.

I got in just 1 account as of now. By evening/midnight it may be credited for all other accs.

So the last cashback before rule change is getting credited and from now on no more awaited cashbacks are left.

@6ix9ine @2025 @Hemang @kuchbhi @pinki @Aniket @350modena @Centurion_wala @SUBARNA Mahato @Strange
This is of April month I think. May we already received in June. @6ix9ine pls check and confirm.
 
Nah, It's of May. We received April in June already.

Feb -> Starting May
Mar -> Ending May
Apr -> Ending June
May -> Ending July
June -> Starting June
July -> Starting July
Didin't expected such confusion from you. On June 21st it were credited for April cashback.

The txns on June 1 when rules changed were credited on June 3/4 itself.

Bhai April ke pehle aayenge May se.

May ke ab aaye hai. 🙂
Can confirm this is for May.
Ok. Possible.

I didn't check details though.
Thanks.

Edit: Just checked. Yes it's of May.
 
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Can confirm this is for May.
Bro, it is of May. Don't worry. Till April everything was cleared and only May was left. From June onwards it credits in 3-4 days. So no confusion here. 🙂

Wait till midnight or tomorrow or Monday Max. everyone will get complete 400. If some people have got scattered CB then it will be completed too.

I am waiting for my rest 3 accounts. Redeemed from 1 acc. and it will be credited to acc. on Monday now. Holidays going on.
 
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