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

[desiviru]

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.

 

[Hemang]

May or may not but I advice using 2 different accounts. Never save your DC on any site. Saved card create problem.

bhai i was able to removed saved credit card but there is no option coming to remove saved debit card, is there a way to delete that too ?

 

[SUBARNA Mahato]

May or may not but I advice using 2 different accounts. Never save your DC on any site. Saved card create problem.

If you not saved your millennia DC, then whenever you will go for a transaction of a big ammount like 10k 20k wallet load, HDFC will decline your transaction

 

[desiviru]

If you not saved your millennia DC, then whenever you will go for a transaction of a big ammount like 10k 20k wallet load, HDFC will decline your transaction

For time being.

 

[Shaktimaan V2.0]

Hi Bro, I hope you can use this method to round off reward points if you have not tried smartpay earlier https://www.technofino.in/community...in-february-2025-discussion.37989/post-943651

Hi @desiviru Bro, Sorry for the miscommunication on this. Smartpay CB looks like will add under Promotional Cashback. So, anyway to round off the Cashback to 400 Bro?

 

[desiviru]

Hi @desiviru Bro, Sorry for the miscommunication on this. Smartpay CB looks like will add under Promotional Cashback. So, anyway to round off the Cashback to 400 Bro?

Waiting for reply from CC now.

 

[Deepak_9155]

My txn was Rs.39500 in Payzapp wallet

mai multiple mai load kiya tha apay wallet which sums 40k in april month.
using millennia dc
400 milega na ?

 

[Shaktimaan V2.0]

No need to mention as I already knew about where that CB comes.

For your query, the best answer is No.

Just let it go and have peace. 🙂

Vaise bhi kaunsa hamara kuch gaya hai isme? Wallet load hi tha maximum toh. Baki ek test txn on smartbuy.

The only solution is if HDFC itself change it to say minimum 50 and multiples of it.

For millennia CC they changed min. redemption from 2500 to 500. But customers will have to mail bank to change their policy of this minimum 400 and it's multiples.

I already shot a mail at them as my txns should have given 400 not 399.90. Lets see how they respond.

My txn was Rs.39500 in Payzapp wallet and 100 at smartbuy which should have given Rs.5 but seems like 4.90 came only due to system side issue. So at time of txn I assumed if 2.5% online also included (may be working till now) 400 level is safe. But this 399.90 told that the 2.5% online on smartbuy isn't working anymore. Also system miscalculated. I have asked for clarification whether Payzapp wallet load given 394.90 instead of 395 or smartbuy one given 4.90 instead of 5.

Ok, Thanks Bro. Please let us know the response from the Bank🙂

 

[6ix9ine]

mai multiple mai load kiya tha apay wallet which sums 40k in april month.
using millennia dc
400 milega na ?

Bhai kaisa sawaal kar rhe ho, desiviru bro ne hdfc ka backend nhi banaya hai, he himself has noticed the discrepancy

400 aana hoga toh aayega else thoda kam hoga

 

[Ash8]

Yesterday itself I started mixing two things - some HDFC CCs will give reward points in multiples of the minimum txn amount, if millenia dc minimum txn amount is 400 then what if it gives reward in the multiples of 400? Then I checked TNCs, nothing like this can be concluded. I also usually have been end up loading the wallet in multiples of 400s and this month I have got total 400 as well.

And today I see these 10 paisa missing posts. 🙂

 

[Anil_SinghAnil_Singh is verified member.]

20000 x 2 load karo.. no issues.. they calculate cashback on the basis of 400 multiples.. I do that since I got this card and got 400 everytime

 

[Anil_SinghAnil_Singh is verified member.]

Yesterday itself I started mixing two things - some HDFC CCs will give reward points in multiples of the minimum txn amount, if millenia dc minimum txn amount is 400 then what if it gives reward in the multiples of 400? Then I checked TNCs, nothing like this can be concluded. I also usually have been end up loading the wallet in multiples of 400s and this month I have got total 400 as well.

And today I see these 10 paisa missing posts. 🙂

You are right. They calculate cashback for the transactions in the multiples of 400.

 

[Deepak_9155]

400 aana hoga toh aayega else thoda kam hoga

THIK HAI ✔️

 

[desiviru]

mai multiple mai load kiya tha apay wallet which sums 40k in april month.
using millennia dc
400 milega na ?

Milega bhai. Yaha mere kuch dost aise bhi hai jinhone 40K multiple txn mein load kiya aur mixed txn thi 5K 7500 7500 etc fir bhi 400 hi huya hai credit. Sabko yeh dikkat nahi aati.

400 multiples ka rule hota toh meri 39500 (30K + 9500) ka wallet load 300+ 92 (either 9200 or 9600 can come in 400 multiple) only hi deta aur Smartbuy ke 5. Total 397. But yaha 399.90 ka matlab yahi hai ki 400 divisible ki koi kahani nahi hai. Koi bhi reason ho inke reply mein pata lagega.

Baki saarey accounts mein maine 40600 hi rakha hai shuru se unme compete 400 credited.

 

[2025]

Newbies may be confused. The things we need to remember are the following.

1. If single category then 40k / 16k /8k will do the job.
2. If two or three categories (mixing), then +400/+200/+100 extra for safety margin. (to satisfy their calculation algorithm)
3. The minimum transaction amount for all transactions is 400. (Not necessarily to be in a round figure or in multiple of 400)

(This is based on what I have realised over time.)

 

[desiviru]

Newbies may be confused. The things we need to remember are the following.

1. If single category then 40k / 16k /8k will do the job.
2. If two or three categories (mixing), then +400/+200/+100 extra for safety margin. (to satisfy their calculation algorithm)
3. The minimum transaction amount for all transactions is 400. (Not necessarily to be in a round figure)

(This is based on what I have realised over time.)

That's why I am still not getting what problem is with their system as 395 for PZ load and rest 500 for smartbuy jiomart voucher should have given 5 complete as 5% of 500 came to be 25 but max limit reached there. Kamm aaney ke chance nahi thay because vaise toh 395+25= 420 hone thay. Yaha system 420si kar gaya 399.90 de ke.

Checked statement again ki kahi mere se 100 ki txn toh ni ho gayi thi. But 500 smartbuy was there. So mentioned it all. Lets see what HDFC CC tells.

 

[2025]

That's why I am still not getting what problem is with their system as 395 for PZ load and rest 500 for smartbuy jiomart voucher should have given 5 complete as 5% of 500 came to be 25 but max limit reached there. Kamm aaney ke chance nahi thay because vaise toh 395+25= 420 hone thay. Yaha system 420si kar gaya 399.90 de ke.

Checked statement again ki kahi mere se 100 ki txn toh ni ho gayi thi. But 500 smartbuy was there. So mentioned it all. Lets see what HDFC CC tells.

I think dates and sequence of transaction matters in such cases. If possible try to post dates, amount, and category (wallet/other). Also previous month's last 3 days txn and next month's 1st day transactions, if any.

I am also trying to figure out why they skip 31st txn.

 

[desiviru]

I think dates and sequence of transaction matters in such cases. If possible try to post dates, amount, and category (wallet/other). Also previous month's last 3 days txn and next month's 1st day transactions, if any.

I am also trying to figure out why they skip 31st txn.

Dates are:

Feb 9, 2025: Payzapp Load 30000 and 9500 same day.

Feb 17, 2025: Smartbuy Rs.500.

Nothing more.

In one of the account in Feb (just checked) it was 20Kx2 for PZ load and that has received complete 400 too. (So mixed one created problem only).

From March onwards, it is 1/2 for wallet load and it is 40600 in every acc. So wont be a problem.

 

[harshraj013]

On smartbuy voucher purchase, millen. Dc still gives 5 + 5% right?

 

[desiviru]

On smartbuy voucher purchase, millen. Dc still gives 5 + 5% right?

Yes. It still gives 5% upto 400 maximum and 5% smartbuy cashback which is upto 1000 max.

 

[desiviru]

Update: Payzapp load transactions failing for time being. Issue with Payzapp not cards.

As @SUBARNA Mahato shared here that wallet load on Payzapp is getting failed and transactions are being reversed, I checked it myself today with Millennia DC.

The transaction has failed for me worth Rs.6000 in evening at 6 PM and then retry of Rs. 2000 an hout later also failed. Amount will be reversed in 4-7 days.

So issue is there with Payzapp currently. Also the banner of free transfer to account is gone although website not updated with any info whether they are reintroducing Wallet to Bank charges.

Try at your own risk now and first do small txn of say Rs.2000.

CC: @Centurion_wala @6ix9ine @Aniket @kuchbhi @pinki @350modena @2025 @Hemang @Ash8 @Deepak_9155 @Anil_Singh @Shaktimaan V2.0 and all other Millennia DC holders and non-Millennia DC holders.

Baki Amazon FKYC waley ussi pe lagey raho.

Now calculating my loading total and txn total. Payzapp yearly loading is 5L (not known whether finanicial year or from date you used first). Agar waha koi dikkat naa huyi toh wait karenge else I will update.