1% Cashback returns on HDFC Platinum Debit Card

[2025]

No, it goes through around 6am _one day after_ the scheduled date. It says so in the email as well

What matters here is Due date not bill date. If your due date is 9th so 4 days before 5th it will get scheduled and actually be paid on 6th morning.

As you already know, the payment date matters for rewards, not the scheduled date. Determining the payment date based on only the scheduled date will not help pinpoint it precisely.

Have you ever wondered how HDFC decides the scheduled / payment date for autopay? I have figured it out.

Here is my observation: The payment date is the third working day prior to the due date. Last month, there was a Sunday (holiday) in between, so it was paid on the 4th (4 days before) (due date was 8th April). This time, because there is no holiday in between, it will probably be paid on the 6th (3 days before) (due date is 9th May).

What matters here is Due date not bill date. If your due date is 9th so 4 days before 5th it will get scheduled and actually be paid on 6th morning.

This month it will follow the same, but not necessarily every month.

 

[Kalpit15]

If you want to try, then try.
If you don’t have surplus then use other avenues. Nobody can confirm unless many tries this out.

I can give it a shot, can you just confirm if the payment instantly fails at 6AM attempt or does it wait till maybe evening or next day to update about this? Because if it fails instantly then I will pay it through other route right away otherwise it would be a stressful day. 😶 And by when do you get the refund?

 

[panu24]

I can give it a shot, can you just confirm if the payment instantly fails at 6AM attempt or does it wait till maybe evening or next day to update about this? Because if it fails instantly then I will pay it through other route right away otherwise it would be a stressful day. 😶 And by when do you get the refund?

It will be a stressful day for you. Morning amount will be deducted, night you will get "Payment failed" SMS. Next day evening you get "Transaction reversed" SMS. You should get refund in 3 working day from day of bill payment as per my experience.