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Great Summer sale HDFC CC cashback query

10% Instant+ 5% on billed amt, as cashback. Is it so ??
10% is an instant discount, and 5% is cashback that will be credited next month and can be redeemed in the following statement cycle.

This works on all online/offline where 10% is Instant discount + 5% as cashback ??
No, millennia gives 5% on specific merchants only.

Specific merchants: Amazon, Bookmyshow, Cult.fit, Flipkart, Myntra, Sony Liv, Swiggy, Tata Cliq, Uber and Zomato.
 
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