Smartbuy portal charges

[Farhad sekh]

Can anyone tell me the applicable charges for IRCTC ticket booking on smartbuy
And also cashback rate?

 

[Farhad sekh]

He may be enjoying by seeing all these comments 👏

Avi tak main to maje hi le raha tha 🌝🌝

 

[Farhad sekh]

Now is it clear??

You mentioned smartbuy charge is 33, later edited to PG charges 😐

@Farhad sekh

Ticket value 1440
Ac convenience fee 35
My transaction value is 1475
Pg fee @1% =14.75
Gst @18% on pg fee=2.65
Total fee should be 17.40
Statement deduction should be 1492
But hdfc charged me 1508 . It is much higher

 

[Deleted member 5552]

Avi tak main to maje hi le raha tha 🌝🌝

😖👺👹

 

[Deleted member 5552]

Ticket value 1440
Ac convenience fee 35
My transaction value is 1475
Pg fee @1% =14.75
Gst @18% on pg fee=2.65
Total fee should be 17.40
Statement deduction should be 1492
But hdfc charged me 1508 . It is much higher

Try to calculate with 1.9% PG charges

You are very precious to hdfc

 

[Deleted member 5552]

Which card did you use for transaction? HDFC Credit Card or PayZapp wallet?

 

[Farhad sekh]

Which card did you use for transaction? HDFC Credit Card or PayZapp wallet?

Hdfc business money-back CC

 

[thanix]

Try to calculate with 1.9% PG charges

You are very precious to hdfc

Does this PG varies within HDFC cards using Smartbuy? What is the condition for 1.9% to be levied?

 

[SiddharthR]

Does this PG varies within HDFC cards using Smartbuy? What is the condition for 1.9% to be levied?

It's 1%+GST only,

 

[Deleted member 5552]

Does this PG varies within HDFC cards using Smartbuy? What is the condition for 1.9% to be levied?

PG Charge for PayZapp is 1.8 and Credit Card is 1%

Here we don't know that actually how much amount bank added to his transaction as we don't have any proof. He told that bank charged Rs 33 extra, so it's about 1.9 %, not 1%

We can only confirm this if we get the solid proof of how much amount deducted from card during transaction and how much amount is showing now after transaction settlement

 

[Farhad sekh]

PG Charge for PayZapp is 1.8 and Credit Card is 1%

Here we don't know that actually how much amount bank added to his transaction as we don't have any proof. He told that bank charged Rs 33 extra, so it's about 1.9 %, not 1%

We can only confirm this if we get the solid proof of how much amount deducted from card during transaction and how much amount is showing now after transaction settlement

I am sharing this for your reference.
I have complaint to hdfc via mail.
Will let you know what hdfc says.
This is sms of transaction
"You've spent Rs.1475.4 On HDFC Bank CREDIT Card xx7 At SMARTBUY3718474 On 2023-02-28:19:11:16 Avl bal: Rs... Curr O/s: Rs... Not you?Call 18002586161"


This is after settlement transaction

 

[SiddharthR]

I am sharing this for your reference.
I have complaint to hdfc via mail.
Will let you know what hdfc says.
This is sms of transaction
"You've spent Rs.1475.4 On HDFC Bank CREDIT Card xx7 At SMARTBUY3718474 On 2023-02-28:19:11:16 Avl bal: Rs... Curr O/s: Rs... Not you?Call 18002586161"


This is after settlement transaction

@1.9%+GST as PG charges

 

[Deleted member 5552]

I am sharing this for your reference.
I have complaint to hdfc via mail.
Will let you know what hdfc says.
This is sms of transaction
"You've spent Rs.1475.4 On HDFC Bank CREDIT Card xx7 At SMARTBUY3718474 On 2023-02-28:19:11:16 Avl bal: Rs... Curr O/s: Rs... Not you?Call 18002586161"


This is after settlement transaction

I understand man, so that only I already said you are very precious to HDFC Bank

 

[sriteja]

Are PG charges on credit cards (1% + GST) is applicable on failed booking also?

I did a irctc booking, the payment went through on card but it got failed from irctc. Does hdfc levy PG charges on this booking or not?

 

[Chaitanya-a]

Are PG charges on credit cards (1% + GST) is applicable on failed booking also?

I did a irctc booking, the payment went through on card but it got failed from irctc. Does hdfc levy PG charges on this booking or not?

They do levy but refund the same amount with PG charges after settlement.

 

[money'r_dekha_nai]

@1.9%+GST as PG charges

So I had a hunch we were being made to pay a lot extra than the apparent 1%+GST that we are shown on the website. I ignored it since HDFC Smartbuy uses IRCTC, and I did not have some concrete proof. But this time, it seems a bigger margin is being deducted as their PG charges. Do correct me if I am wrong.

So, I recently bought a couple of 2A tickets, and I saw that the PG charges were actually displayed in the ticket itself (good job IRCTC).


Received the following message from HDFC. Nothing wrong till here.


Now, that the transaction is settled, this was what was charged to my card account


3855.11 - 3755.4 = 99.71 = 2.6% of 3755.4. Its double of what the charges are expected to be. I am still not sure how they added ~60rs to what was expected. Feels like they just added 1%+GST to a pre existing 1%+GST 🙃. I tried to reconfirm if this was the case and not something one off, and purchased a cheaper 2S ticket, but the % still remains nearly the same.

While people may argue that 3x gives us more returns in terms of RP and we are making a net "profit", and HDFC may argue PG Charges as applicable (Additional) means they can charge whatever the F**k they want as "additional", I do feel folks should be aware before jumping into using Smartbuy.

PS: Used Business Regalia. Not sure if I am having to pay more charges just because it has a "Business" prefix.

 

[Farhad sekh]

So I had a hunch we were being made to pay a lot extra than the apparent 1%+GST that we are shown on the website. I ignored it since HDFC Smartbuy uses IRCTC, and I did not have some concrete proof. But this time, it seems a bigger margin is being deducted as their PG charges. Do correct me if I am wrong.

So, I recently bought a couple of 2A tickets, and I saw that the PG charges were actually displayed in the ticket itself (good job IRCTC).
View attachment 38379

Received the following message from HDFC. Nothing wrong till here.
View attachment 38380

Now, that the transaction is settled, this was what was charged to my card account
View attachment 38381

3855.11 - 3755.4 = 99.71 = 2.6% of 3755.4. Its double of what the charges are expected to be. I am still not sure how they added ~60rs to what was expected. Feels like they just added 1%+GST to a pre existing 1%+GST 🙃. I tried to reconfirm if this was the case and not something one off, and purchased a cheaper 2S ticket, but the % still remains nearly the same.

While people may argue that 3x gives us more returns in terms of RP and we are making a net "profit", and HDFC may argue PG Charges as applicable (Additional) means they can charge whatever the F**k they want as "additional", I do feel folks should be aware before jumping into using Smartbuy.

PS: Used Business Regalia. Not sure if I am having to pay more charges just because it has a "Business" prefix.

The same case happened to me 6 months back ,
I complaint to hdfc but they are telling it's the PG fee levied by IRCTC , they can't do anything,
Then I asked what % should be deducted?
They said they didn't know about the rate , it depends on IRCTC

Avi chronology dekho,

I called IRCTC, they said they deducted 1%plus gst , anything extra has been levied by hdfc and smartbuy
Then I hung up , decided not to book on smartbuy although I am getting something profit

 

[abhiver]

On another note, as per Smartbuy there is a 5% cashback. Does anyone receive it.

 

[Farhad sekh]

On another note, as per Smartbuy there is a 5% cashback. Does anyone receive it.

Yes , .

 

[Viper1057]

So I had a hunch we were being made to pay a lot extra than the apparent 1%+GST that we are shown on the website. I ignored it since HDFC Smartbuy uses IRCTC, and I did not have some concrete proof. But this time, it seems a bigger margin is being deducted as their PG charges. Do correct me if I am wrong.

So, I recently bought a couple of 2A tickets, and I saw that the PG charges were actually displayed in the ticket itself (good job IRCTC).
View attachment 38379

Received the following message from HDFC. Nothing wrong till here.
View attachment 38380

Now, that the transaction is settled, this was what was charged to my card account
View attachment 38381

3855.11 - 3755.4 = 99.71 = 2.6% of 3755.4. Its double of what the charges are expected to be. I am still not sure how they added ~60rs to what was expected. Feels like they just added 1%+GST to a pre existing 1%+GST 🙃. I tried to reconfirm if this was the case and not something one off, and purchased a cheaper 2S ticket, but the % still remains nearly the same.

While people may argue that 3x gives us more returns in terms of RP and we are making a net "profit", and HDFC may argue PG Charges as applicable (Additional) means they can charge whatever the F**k they want as "additional", I do feel folks should be aware before jumping into using Smartbuy.

PS: Used Business Regalia. Not sure if I am having to pay more charges just because it has a "Business" prefix.

Not true in my case, even I did a trx with my Infinia for a 2AC ticket few days back and its correct.

They charge 1%+GST by Smartbuy. I got a otp sms with 4725.75 but the charge I got in my statement is of 4781.45 (Additional 1.18% of 4725.75 which means 1%+GST by smartbuy who is aggregator here)

 

[abhiver]

Yes , .

Where have you got the cashback and how long it takes