1% Cashback returns on HDFC Platinum Debit Card

[CyberPsych]

1) What if I pay manually before autopay and still have enough balance in my HDFC account, autopay pays bill again?
2) What if I pay manually before autopay and do not have enough balance for the autopay, any penalty or charges levied by HDFC bank?

 

[desiviru]

1) What if I pay manually before autopay and still have enough balance in my HDFC account, autopay pays bill again?
2) What if I pay manually before autopay and do not have enough balance for the autopay, any penalty or charges levied by HDFC bank?

1. No, if complete bill is paid, autopay won't run. Autopay runs only when there is a due.
2. Can't answer for this for sure but what I feel is if it declines due to balance as reason, they may penalize.

 

[2025]

You are right. Although I am not using Smartpay but still sharing how to get it done for SBI Cashback card.

Lets simplify first for other people here on why it fails?

Suppose your SBI Cashback card bill generated on 03-May-2025 with amount Rs.50000.

Your cashback for this statement was Rs.2500 (assuming all this 50K txns were online and had 5% cashback applicable).

Now on 4th SBI will credit Rs.2500. Your total o/s or bill due now stands at Rs.47500 (50000-2500).

SBI allows maximum 5% extra on outstanding due: Rs.47500 + 5% = Rs.49875. Now Smartpay will have 50K but you can not pay more than 49875 now. Due to this smartpay txn will fail.

How to get rid of this?

Before smartpay date arrives for auto-payment like if due date is 23-05-2025 then smartpay will trigger on 19-05-2025. Before this do txn of Rs.125 or more more depending on what due left you have. Smartpay won't fail now.

Current o/s on SBI Cashback card should be equal or greater than what smartpay bill value has.

CC: @panu24 ,

Tagging other for info. sharing: @6ix9ine @Aniket @kuchbhi @Centurion_wala @pinki @2025 @Strange @its_karan @Hope @Hemang@hender @Abhishek012 @SSV @surojitLaha @Credit_Cards

Bro, I won't say wrong. But logically speaking, that should not be the case. At the same time, I can't dare test it either this month. It is also possible that because I have an EMI so getting more flexibility. I will check next month.

In my view if anyone is paying exactly the bill amount then ideally it should go through irrespective of cashback or refund.

Some banks also add max allowed limit for cc bill payment purpose. Thanks for the detailed info and clarification to address the problem.

 

[2025]

1) What if I pay manually before autopay and still have enough balance in my HDFC account, autopay pays bill again?
2) What if I pay manually before autopay and do not have enough balance for the autopay, any penalty or charges levied by HDFC bank?

1. No, if complete bill is paid, autopay won't run. Autopay runs only when there is a due.
2. Can't answer for this for sure but what I feel is if it declines due to balance as reason, they may penalize.

1. In my view, still autopay pay bills again because it do not check updated bills for most of the banks.
2. Yes. penalty. cancel the autopay ion that case.

 

[desiviru]

Bro, I won't say wrong. But logically speaking, that should not be the case. At the same time, I can't dare test it either this month. It is also possible that because I have an EMI so getting more flexibility. I will check next month.

In my view if anyone is paying exactly the bill amount then ideally it should go through irrespective of cashback or refund.

Some banks also add max allowed limit for cc bill payment purpose. Thanks for the detailed info and clarification to address the problem.

Yes some banks allow more without any limit like Axis, ICICI, PNB (personally tested). HDFC don't as they update due amt left after every payment.

SBI has due amt + 5% max permissable limit but cashback is considered as payment in SBI cashback card or other SBI cards also. You can check on any portal also by entering details. It shows maximum permissable limit.

Like your bill was 10K and 500 cashback adjusted. Now due is 9500. Max permissable limit will show you 9975. Paying 10K will lead to txn failure. I already seen it happening with me where I paid above max. permissable amt. Money will deduct from account and refund later.

Now if you do say Rs.25 txn then your max permissable limit will be 9975+ (25+1.25)= 10001.25. Now this smartpay autopay bill won't fail at all if txn was done say 7 days before it triggered by HDFC Smartpay.

 

[Vineet_]

Yes some banks allow more without any limit like Axis, ICICI, PNB (personally tested). HDFC don't as they update due amt left after every payment.

SBI has due amt + 5% max permissable limit but cashback is considered as payment in SBI cashback card or other SBI cards also. You can check on any portal also by entering details. It shows maximum permissable limit.

Like your bill was 10K and 500 cashback adjusted. Now due is 9500. Max permissable limit will show you 9975. Paying 10K will lead to txn failure. I already seen it happening with me where I paid above max. permissable amt. Money will deduct from account and refund later.

Now if you do say Rs.25 txn then your max permissable limit will be 9975+ (25+1.25)= 10001.25. Now this smartpay autopay bill won't fail at all if txn was done say 7 days before it triggered by HDFC Smartpay.

Even au bank did this it took billed amount automatically even i paid outstanding by cred there was no outstanding balance in card,
repeated same bailed amount got paid by hdfc SmartPay.

Here if billed amount if more even cashback credited i utilized card for keep difference more still it fails from hdfc billpay side for sbi cashback.

For your ref - https://www.technofino.in/community...n-hdfc-platinum-debit-card.38391/post-1006046

 

[desiviru]

Even au bank did this it took billed amount automatically even i paid outstanding by cred there was no outstanding balance in card,
repeated same bailed amount got paid by hdfc SmartPay.

Here if billed amount if more even cashback credited i utilized card for keep difference more still it fails from hdfc billpay side for sbi cashback.

For your ref - https://www.technofino.in/community...n-hdfc-platinum-debit-card.38391/post-1006046

Thanks for the update. But the case I discussed is not to pay leftover amount. Billed amount will be paid by Smartpay. Here problem is different and not the one you told about AU.

Full bill amount is paid by Smartpay. Thing is whether your banks takes it or not. With SBI we can make it to take it. Other banks, we can't do much. Some banks don't accept it even if you have unbilled txns and AU is one of such.

 

[itzmycard]

Also another interesting thing. Sbi allowed me pay extra 100 rs more than outstanding through bbps. But I could pay even more amount through yono to make the outstanding negative 590. Apparently they don't consider fee reversal as payment

 

[desiviru]

Also another interesting thing. Sbi allowed me pay extra 100 rs more than outstanding through bbps. But I could pay even more amount through yono to make the outstanding negative 590. Apparently they don't consider fee reversal as payment

Fee reversal is considered payment but in next statement only.

 

[JimCarrey]

You are right. Although I am not using Smartpay but still sharing how to get it done for SBI Cashback card.

Lets simplify first for other people here on why it fails?

Suppose your SBI Cashback card bill generated on 03-May-2025 with amount Rs.50000.

Your cashback for this statement was Rs.2500 (assuming all this 50K txns were online and had 5% cashback applicable).

Now on 4th SBI will credit Rs.2500. Your total o/s or bill due now stands at Rs.47500 (50000-2500).

SBI allows maximum 5% extra on outstanding due: Rs.47500 + 5% = Rs.49875. Now Smartpay will have 50K but you can not pay more than 49875 now. Due to this smartpay txn will fail.

How to get rid of this?

Before smartpay date arrives for auto-payment like if due date is 23-05-2025 then smartpay will trigger on 19-05-2025. Before this do txn of Rs.125 or more more depending on what due left you have. Smartpay won't fail now.

Current o/s on SBI Cashback card should be equal or greater than what smartpay bill value has.

I had hoped in similar lines and had used the cc after bill generation for more than the cashback received. Still the autopay failed.
So please take for sure that this isn’t the case for sbi cashback card’s autopay failure’s reason.

 

[desiviru]

I had hoped in similar lines and had used the cc after bill generation for more than the cashback received. Still the autopay failed.
So please take for sure that this isn’t the case for sbi cashback card’s autopay failure’s reason.

Okay. Editing the post with word: Assumption.

 

[SUBARNA Mahato]

You are right. Although I am not using Smartpay but still sharing how to get it done for SBI Cashback card.

May or may not work at all. (the below thing)

Lets simplify first for other people here on why it fails?

Suppose your SBI Cashback card bill generated on 03-May-2025 with amount Rs.50000.

Your cashback for this statement was Rs.2500 (assuming all this 50K txns were online and had 5% cashback applicable).

Now on 4th SBI will credit Rs.2500. Your total o/s or bill due now stands at Rs.47500 (50000-2500).

SBI allows maximum 5% extra on outstanding due: Rs.47500 + 5% = Rs.49875. Now Smartpay will have 50K but you can not pay more than 49875 now. Due to this smartpay txn will fail.

How to get rid of this?

Before smartpay date arrives for auto-payment like if due date is 23-05-2025 then smartpay will trigger on 19-05-2025. Before this do txn of Rs.125 or more more depending on what due left you have. Smartpay won't fail now.

Current o/s on SBI Cashback card should be equal or greater than what smartpay bill value has.

CC: @panu24 ,

Tagging other for info. sharing: @6ix9ine @Aniket @kuchbhi @Centurion_wala @pinki @2025 @Strange @its_karan @Hope @Hemang@hender @Abhishek012 @SSV @surojitLaha @Credit_Cards

That's means i have to spend exact ammount of what i received as cashback before the date when HDFC will debit ammount before due date

 

[itzmycard]

That's means i have to spend exact ammount of what i received as cashback before the date when HDFC will debit ammount before due date

Yes. Ideally it should work and it worked for me on couple of occasions. But it didn't work for some people here. There may be other reasons also...