1% Cashback returns on HDFC Platinum Debit Card

[phoenix854]

Your Last 4 digit of primary credit card number:4113

bill payment of Rs. 54555.83 for HGAHP018CE0484678848 via SmartPay has been declined due to PBE10002-Invalid Credential.

What is this error? I already filled all credentials correctly. Transaction was successful on this same card last month.

Similar issue was reported earlier : https://www.desidime.com/discussions/hdfc-bill-payment-failed-continously

And someone reported that the issue was resolved automatically 😂

 

[xlabd]

I currently hold an HDFC Rupay Premium Debit Card (DC Code- RRFL1) and am a preferred customer.

I have the option to upgrade my DC to one of the following-

...Should I upgrade?

1. Does my current card have good benefits?
2. Will Platinum DC give me 1% rewards on CC (auto) bill payment?
3. Should I consider Millenia DC instead?
4. Should I manually upgrade the card by going to the branch and filling out the form?
5. I am a preferred customer, so these cards should not have a fee, right?

 

[6ix9ine]

I currently hold an HDFC Rupay Premium Debit Card (DC Code- RRFL1) and am a preferred customer.

I have the option to upgrade my DC to one of the following-
View attachment 99669
...Should I upgrade?

1. Does my current card have good benefits?
2. Will Platinum DC give me 1% rewards on CC (auto) bill payment?
3. Should I consider Millenia DC instead?
4. Should I manually upgrade the card by going to the branch and filling out the form?
5. I am a preferred customer, so these cards should not have a fee, right?

1. Nope, it's useless.

2. That platinum DC is the new one, which has shit rewards. This thread is mainly for those who has old platinum DC as that had some specific rewarding MCCs.

3. Definitely yes, that's the best option among those.

4. No need, just hotlist your current card from your own netbanking and apply that millennia debit card. It's the best debit card, you can have at this moment.

5. Yes, no issuance or annual fee will be applicable.

 

[phoenix854]

Update: My ICICI APay card payment of 57k went through today (scheduled 8th June) at 6.31am. Guess the autopay system is back on track. Cheers 🍻

 

[phoenix854]

Off topic: any suggestions how to pay HSBC card bill to get this 1% reward?

 

[Jatayu]

One extra info though most of you would know this still : When due date falls on first 3-4 days of the month, auto payment is deducted in last days of previous month but cb limit of 750 p.m will be counted as per due date month not previous month.

 

[2025]

One extra info though most of you would know this still : When due date falls on first 3-4 days of the month, auto payment is deducted in last days of previous month but cb limit of 750 p.m will be counted as per due date month not previous month.

Not exactly.

It's always based on deduction date. However, it's often observed that if we pay (or amount get paid) on last day of a month then cashback counted in the next month in HDFC. Nothing to do with Autopay or due date.

 

[Jatayu]

Not exactly.

It's always based on deduction date. However, it's often observed that if we pay (or amount get paid) on last day of a month then cashback counted in the next month in HDFC. Nothing to do with Autopay or due date.

Maybe this is the actual case. But as I said also, Last day payment is definitely considered in next month cb limit. Like you can see this ss. I got cb for both even after exhausting May cb limit. It means I got it for June.

 

[2025]

Maybe this is the actual case. But as I said also, Last day payment is definitely considered in next month cb limit. Like you can see this ss. I got cb for both even after exhausting May cb limit. It means I got it for June.View attachment 99899

Yes. That's happening since months. I have noticed this in January.

Now my doubt is what happens if we pay on 30th and 29th of the months.

Btw, cashback for 31st payment may not be always shifted to next month(!), we need many more confirmation to reach to a definite conclusion.

 

[sumeet]

I believe so as my last month transaction rewarded me for this month quota as last month was almost exhausted. Transaction done on 31.05.25

 

[Jatayu]

I believe so as my last month transaction rewarded me for this month quota as last month was almost exhausted. Transaction done on 31.05.25

Exactly that's why I started writing about this. From many months, txn done on 31st are being counted in next month.

 

[Jatayu]

Yes. That's happening since months. I have noticed this in January.

Now my doubt is what happens if we pay on 30th and 29th of the months.

Btw, cashback for 31st payment may not be always shifted to next month(!), we need many more confirmation to reach to a definite conclusion.

This doubt I can clear maybe this month end. 29th June auto debit will happen in my case. I will check cb on 30th June and will update here.

 

[2025]

This doubt I can clear maybe this month end. 29th June auto debit will happen in my case. I will check cb on 30th June and will update here.

Hdfc used to delay cashback posting in the last week of the month. Might be difficult to assertain in such cases. Still worth trying. If you get clarity then please update me as well.

 

[Jatayu]

Hdfc used to delay cashback posting in the last week of the month. Might be difficult to assertain in such cases. Still worth trying. If you get clarity then please update me as well.

My 750 cb limit is usually over by 22th of every month. If I still get cb for 28th/29th auto payment, it will obviously mean next month quota used. Otherwise I won't get it. I am setting a reminder and will share the exact answer this month end.

 

[VSC]

Update: My ICICI APay card payment of 57k went through today (scheduled 8th June) at 6.31am. Guess the autopay system is back on track. Cheers 🍻

Yes same for me, transaction went through @ 6:04AM

 

[mkay66]

One of card bill (ICICI Sapphiro) scheduled to be deducted on 3rd June, got deducted on 5th June evening and did not settle. I received a message stating that it failed.
Is there any trick for registering for Sapphiro card as there are two cards which receives one bill???