1% Cashback returns on HDFC Platinum Debit Card

[Abhigyan kumar]

Bade khatarnak log h yahan pai. Kaise kaise loophole dhund lete h

 

[sun156]

I have the old design platinum card. And getting 1% reward points.

1)yours is easyshop PLT card so you will receive until devaluation is announced in this series
but for the new persons they wont Easyshop PLT cards, they get only PLT cards

Dont try tomorrow. It may not go give reward points.

What we have understood till now to get reward points on Platinum cards:

1. While registering CC Biller 'SmartPay Enabled' should be mentioned there.
2. Bill generated should get registered in the 'Scheduled'.
3. Prefer to have it paid on auto mode. If paying manually by pressing button, then it should be just a couple of days before auto pay is scheduled.
4. Amount of bill generated and paid should match. During payment it would not ask for OTP.
5. The merchant name showing in statement would be - DCSI-BBPSBILLPAY

2)so I have doubt here
generally if we pay manually cc bill using DC in hdfc smartpay it will ask otp for the payment.
but you said if we follow above menthod

suppose the bill is scheduled- now showing in scheduled section - now if I press the button to pay manually after bill schedule
does it ask for OTP or NOT. please confirm this bro


3)Now Reward points are being redeemed you can try and Redeem yours, that error was gone as we discussed back.

 

[Dobbiee]

2)so I have doubt here
generally if we pay manually cc bill using DC in hdfc smartpay it will ask otp for the payment.
but you said if we follow above menthod

suppose the bill is scheduled- now showing in scheduled section - now if I press the button to pay manually after bill schedule
does it ask for OTP or NOT. please confirm this bro

If its asking for OTP then dont proceed. Ideally it would not ask OTP 2-3 days just before when the payment is scheduled.
E.g. Bill generated on 7th, Due date - 26th. Auto debit date - 22nd. It should be fine to pay by 20th. Should not ask for OTP.
My experience of getting reward is of 2 months. In Jan I had let the payment happen on auto mode. In Feb I manually paid just one day before the auto pay was scheduled. In both cases I received reward points.

Safer is to let it happen on due date on auto-mode.

3)Now Reward points are being redeemed you can try and Redeem yours, that error was gone as we discussed back.

Thanks for the update. I have successfully redeemed reward points. Aaj raat ki party ka intezam ho gaya. 😆

 

[Dobbiee]

Though some people have said that account type doesnt matter, but would still need to re-confirm following from those who are successful to get reward points.

Questions:

1. Account type
2. Platinum card type - Easyshop / Visa Platinum of old design or the new design that is recently introduced.
3. Age of card - New that is issued in 2025 or old one issued till Dec 2024.

 

[sun156]

If its asking for OTP then dont proceed. Ideally it would not ask OTP 2-3 days just before when the payment is scheduled.
E.g. Bill generated on 7th, Due date - 26th. Auto debit date - 22nd. It should be fine to pay by 20th. Should not ask for OTP.
My experience of getting reward is of 2 months. In Jan I had let the payment happen on auto mode. In Feb I manually paid just one day before the auto pay was scheduled. In both cases I received reward points.

Safer is to let it happen on due date on auto-mode.


Thanks for the update. I have successfully redeemed reward points. Aaj raat ki party ka intezam ho gaya. 😆

1) so as per your feb bill payment , after bill is in scheduled state -
you did manually a) without asking for debit card OTP or b) with OTP ???

2) Tq bro I also redeemed by 2k RP before commenting, that's why updated you bro as I remembered, since you promptly given the reply for me when same error is coming for u when no one else did, ( my debt with u was settled👍)
( Enjoy ur n8 bro sponsored by HDFC 🤣🤣🤣 )

 

[iamgroot]

It worked for me. Received the 1% reward points today.

your card network?mine is visa.not received any point

 

[Dobbiee]

1) so as per your feb bill payment , after bill is in scheduled state -
you did manually a) without asking for debit card OTP or b) with OTP ???

When I did manually, it didnot ask for OTP.

2) Tq bro I also redeemed by 2k RP before commenting, that's why updated you bro as I remembered, since you promptly given the reply for me when same error is coming for u when no one else did, ( my debt with u was settled👍)
( Enjoy ur n8 bro sponsored by HDFC 🤣🤣🤣 )

😀🤣

 

[sun156]

Though some people have said that account type doesnt matter, but would still need to re-confirm following from those who are successful to get reward points.

Questions:

1. Account type
2. Platinum card type - Easyshop or Visa Platinum
3. Age of card - New that is issued in 2025 or old one issued till Dec 2024.

bro simply saying

1)The debit you are holding is easy shop platinum card which gives 1% Rp on eligible MCC as per T & C irrespective of account product code and HNI banking programes.

currently 1% is not devalued in these cards, but once they did then we wont receive it. so let us enjoy the RP until we able to find some loopholes


2) Well if your PLT debit card is recent one i.e taken in Feb , it may not be above version, They are issuing only PLATINUM variant cards which have new BIN series, which don't fetch 1% RP . SO no one should apply PLT card now due to this reason
.

Summary
A)Those who have old ESP PLT cards (1) ,let them enjoy until devaluation announced and with suitable MCC as per T & C
B) Those who want to apply PLT card especially for CB it is not recommended now since these cards (2) dont give cb , so go for MILLINNEA card for wallet load 1% method

 

[Dobbiee]

your card network?mine is visa.not received any point

What is the merchant code in statement.

If I remember correctly, you also have Speciale Gold Account. And was able to register under SmartPay. Bill also started showing up under scheduled.
And hope you have let it happen on autopay mode without OTP.

Mine is also Visa Platinum debit card. The old design. Not the new design.
Think Easyshop and Visa Platinum in old design is one and the same.

 

[sun156]

When I did manually, it didnot ask for OTP.


😀🤣

so now it is confirmed by you the actual " Pressing the button "

so once the bill is added and smart pay enabled - after bill generation - bill will be in scheduled section and Text msg -
then for cb
1) let it go with autopay debit
2) or let you interfere and do manually but catch is it wont ask OTP here , since bill is scheduled

then CB comes in any of the two above methods after bill is in scheduled state

 

[Dobbiee]

bro simply saying

1)The debit you are holding is easy shop platinum card which gives 1% Rp on eligible MCC as per T & C irrespective of account product code and HNI banking programes.

currently 1% is not devalued in these cards, but once they did then we wont receive it. so let us enjoy the RP until we able to find some loopholes


2) Well if your PLT debit card is recent one i.e taken in Feb , it may not be above version, They are issuing only PLATINUM variant cards which have new BIN series, which don't fetch 1% RP . SO no one should apply PLT card now due to this reason
.

Summary
A)Those who have old ESP PLT cards (1) ,let them enjoy until devaluation announced and with suitable MCC as per T & C
B) Those who want to apply PLT card especially for CB it is not recommended now since these cards (2) dont give cb , so go for MILLINNEA card for wallet load 1% method

Thanks @sun156
Understood all these points.
Last year my rewards had stopped coming somewhere around july.
When I changed the card (or may be account type) in Jan this yaer, the reward points started coming again.

Though both the times I have been using the old design Visa card.


Any reason for this.
And also there are several threads going on which says that reward points have stopped on Platinum cards.

 

[sun156]

Thanks @sun156
Understood all these points.
Last year my rewards had stopped coming somewhere around july.
When I changed the card (or may be account type) in Jan this yaer, the reward points started coming again.

Though both the times I have been using the old design Visa card.
View attachment 85349

Any reason for this.
And also there are several threads going on which says that reward points have stopped on Platinum cards.

yes reason is HDFC changed the merchant name while paying bills in HDFC billpay
not only u , every one got stopped. so at that time we shifted to other 3rd party sites/methods so we received the RP.

its just a coincidence which Ur subconscious is not able to align on our words, may be they are not convincing , but its true.
we all are humans, its good to have such instincts unless we get solid evidence as proof to change our opinion.

DM check bro once

 

[sun156]

your card network?mine is visa.not received any point

when is transaction date bro

 

[Dobbiee]

yes reason is HDFC changed the merchant name while paying bills in HDFC billpay
not only u , every one got stopped. so at that time we shifted to other 3rd party sites/methods so we received the RP.

its just a coincidence which Ur subconscious is not able to align on our words, may be they are not convincing , but its true.
we all are humans, its good to have such instincts unless we get solid evidence as proof to change our opinion.

DM check bro once

So bhai, does this mean that now everyone would start receiving reward points again.

 

[MrJJ]

So bhai, does this mean that now everyone would start receiving reward points again.

No, you are the only specialé chosén oné. 🫡

 

[Dobbiee]

No, you are the only specialé chosén oné. 🫡

I think we both are there.

 

[Dobbiee]

But this method what you started or stated in this thread is very dangerous and it doesn't Long Last because, clearly the person doing Transaction in HDFC APP OR WEBSITE OR smart pay for CC bills itself, which is against HDFC POLICY ( see screenshot).
so once HDFC finds all your RP will be CALLED OFF Forcefully , and HDFC has proof clearly because you had paid it in its website itself.

SO MY sincere advise to everyone is search another method for RP in ESP PLT card or MILLINNEA if you are choosing this method.


@Abhishek012

This is a normal method/process of registering and making CC payments. Mostly people would have done this in the past also.
Surely you are right that it is stopped and people should look for payment via 3rd party apps.

Anyways, tonight party cancelled. 🤔

 

[Pranay_Arena]

Pls confirm once again guyz..do have to enable smartpay for entire credit card bill amount or partial will also work for fetching rewards...

 

[MrJJ]

Pls confirm once again guyz..do have to enable smartpay for entire credit card bill amount or partial will also work for fetching rewards...

Partial amount won't work.

 

[Pranay_Arena]

Ok..noted..🤞🏻👍🏻. Let's see..