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Wdym?

Iykyk. Have HDFC Millennia DC?

Yep I do.
I think I understand what you mean now but just confirm in dm

5% promotional reward points are provided when you buy through gyftr (or thr any promotions such as 5% for SmartPay for 12 months). Usually, the promotional rewards are settled at first, then closely followed by regular rewards (with 400 cap). Min withdrawal point is just 1 for promotional rewards. For regular rewards, it is 400.

SmartPay has a cap of 150 per month. So, if we pay a regular / repeating bill of Rs.3000, we'll get max rewards (just for 12 months).

I configured SmartPay to let my Amazon Pay ICICI CC bill to be settled via HDFC Millennia DC. Only applicable for the first bill to be added through SmartPay auto-pay.

Okay I know about this extra 5%

But I have a question like if we consume the 1% upto 400 by wallet load and then do some gyftr spend can we still get promotion points, there is different cap for promotional spends right?

If we don't do before wallet : 5% promotional + 5% Regular
If we have exhausted with wallet load then : 5% promotional of smartbuy

Am I right?

If we guy Rs.8000 worth of vouchers through Gyftr, we'll get 400 as promotional rewards and another 400 as regular rewards. Of course, we have to pay a hefty fee in gyftr. No need to worry about Canara Setu working or not for Millennia DC.

You are absolutely right.

For that smartpay one

Are you saying that if we set up automatic bill pay of any cc in that hdfc netbanking bill pay set up we will get 150 extra promotional points for it and no regular reward ofc due to mcc change?

@Mr. Bean Are u sure that through payzapp GyfTR it is 5+(5-3.5)= 6.5% for AGV. and not 5+(3-3.5)=4.5% or 5+2.5+(5-3.5)= 9% or 5+2.5+(3-3.5)=7%?