• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Cashback on HDFC millennia debit card

Apply For Lifetime Free IDFC First Credit Card
iamabhisekagar

iamabhisekagar

TF Legend
Hi,
So recently I opened an HDFC Bank Ac for my father and got a Millennia Debit Card in the instant kit...
Will I get cashback for making CC bill payments using this Debit Card?...If yes then how?
 
Apply For LTF AU LIT Credit Card
Sort by date Sort by votes
I did two wallet load transactions using HDFC Millenia debit card

The account statement shows
PAYTM PAYMENTS S for the second one while the first one was PAYTM WALLET whereas PayTM statement (passbook) shows both as wallet load.

Has anyone faced this problem?

Also,

www.hdfcbank.com

Know Features & Benefits of Millennia Debit Card | HDFC Bank

Millennia Debit Card
www.hdfcbank.com www.hdfcbank.com

shows 2.5% CashBack points on all online Spends

Does it also include Credit Card bill payments through PayTM using debit card option? Or is that treated as 'Credit Card Bill Payment' which is excluded for cashback points?

Went through this thread but couldnt find details on the above.


Thank you
 
Last edited:
Upvote 0 Downvote
dnivra said:
I did two wallet load transactions using HDFC Millenia debit card

The account statement shows
PAYTM PAYMENTS S for the second one while the first one was PAYTM WALLET whereas PayTM statement (passbook) shows both as wallet load.

Has anyone faced this problem?

Also,

www.hdfcbank.com

Know Features & Benefits of Millennia Debit Card | HDFC Bank

Millennia Debit Card
www.hdfcbank.com www.hdfcbank.com

shows 2.5% CashBack points on all online Spends

Does it also include Credit Card bill payments through PayTM using debit card option?

Went through this thread but couldnt find details on the above.


Thank you
Click to expand...
@VISHESH_BANSAL @D₹V expert opinion dedo
 
Upvote 0 Downvote
dnivra said:
I did two wallet load transactions using HDFC Millenia debit card

The account statement shows
PAYTM PAYMENTS S for the second one while the first one was PAYTM WALLET whereas PayTM statement (passbook) shows both as wallet load.

Has anyone faced this problem?
Click to expand...
How is this a problem? 😁
dnivra said:
Also,

www.hdfcbank.com

Know Features & Benefits of Millennia Debit Card | HDFC Bank

Millennia Debit Card
www.hdfcbank.com www.hdfcbank.com

shows 2.5% CashBack points on all online Spends

Does it also include Credit Card bill payments through PayTM using debit card option? Or is that treated as 'Credit Card Bill Payment' which is excluded for cashback points?

Went through this thread but couldnt find details on the above.


Thank you
Click to expand...
Yes, you will currently receive a 2.5% cashback. However, I can't guarantee future benefits if they modify the MCC. 😁
 
Upvote 0 Downvote
4uziaul said:
How is this a problem? 😁

Yes, you will currently receive a 2.5% cashback. However, I can't guarantee future benefits if they modify the MCC. 😁
Click to expand...

Thanks for your reply.

Problem - as in Wallet load MCC is not consistent in this case and...

... in a recent conversation with IDFC First Bank rewards team, was told that PayTM now uses MCC 6051 for credit card bill payments made using debit card. This MCC doesnt accrue reward points for any of the IDFC First Bank debit cards.

Query - to check if this applies to HDFC Millenia debit cards too. Although there is no way to confirm this as HDFC 'cannot' generate cashback (reward point) statement for its debit cards.
 
Upvote 0 Downvote
dnivra said:
Thanks for your reply.

Problem - as in Wallet load MCC is not consistent in this case and...

... in a recent conversation with IDFC First Bank rewards team, was told that PayTM now uses MCC 6051 for credit card bill payments made using debit card. This MCC doesnt accrue reward points for any of the IDFC First Bank debit cards.

Query - to check if this applies to HDFC Millenia debit cards too. Although there is no way to confirm this as HDFC 'cannot' generate cashback (reward point) statement for its debit cards.
Click to expand...
You will receive 2.5% since this MCC is not excluded.
 
Upvote 0 Downvote
4uziaul said:
You will receive 2.5% since this MCC is not excluded.
Click to expand...
I do not know the MCC that PayTM has reported to HDFC in this case as the customer care executive was unable to fetch this information (unlike for credit card transaction) and asked me to check with the merchant.

Here is latest list of excluded MCC for HDFC Millenia DC
 

Attachments

Last edited:
Apply For LTF HDFC Swiggy Credit Card
Upvote 0 Downvote
Guys, some doubts for new year 😅

1. I have HDFC Classic banking.
2. I have the attached options for DC upgrades. No charges are mentioned here.
3. I have many CC payments every month. Some bills are small like 10-20k. Some bills are large over 4-5L.
4. I have a lot of government payments.
5. I hold good CCs like Infinia, DCB, Magnus Burgundy.

Which HDFC debit card will be rewarding for me? How to get maximum out of these combinations?
 

Attachments

  • Screenshot_20240103_101800_HDFC Bank.jpg
    Screenshot_20240103_101800_HDFC Bank.jpg
    169.8 KB · Views: 28
Upvote 0 Downvote
sid16 said:
Guys, some doubts for new year 😅

1. I have HDFC Classic banking.
2. I have the attached options for DC upgrades. No charges are mentioned here.
3. I have many CC payments every month. Some bills are small like 10-20k. Some bills are large over 4-5L.
4. I have a lot of government payments.
5. I hold good CCs like Infinia, DCB, Magnus Burgundy.

Which HDFC debit card will be rewarding for me? How to get maximum out of these combinations?
Click to expand...
Kindly let me know about this..
 
Upvote 0 Downvote
kochiro said:
I use Millennia to do no transactions just load Paytm wallet and then back to bank.
Click to expand...
Pro. I just got the Millennia DC, and was thinking that I will have to pay bills of 60k in a year just to recover the annual fees first, and after that earn some cashback.
Now I will just load paytm wallet for 40k each month and then transfer the amount back to my bank account.
BTW, we can transfer the amount back to same HDFC account, right? Or does it need to be a different account cause if HDFC detects reverse transaction, will it reverse the cashback too?
And paytm, mobiwik and apay are the most popular wallets, and all let users transafer amount back to bank without any charges? asking cause paytm wallet might stop working from next month maybe?
 
Upvote 0 Downvote
randomuser32 said:
Pro. I just got the Millennia DC, and was thinking that I will have to pay bills of 60k in a year just to recover the annual fees first, and after that earn some cashback.
Now I will just load paytm wallet for 40k each month and then transfer the amount back to my bank account.
BTW, we can transfer the amount back to same HDFC account, right? Or does it need to be a different account cause if HDFC detects reverse transaction, will it reverse the cashback too?
And paytm, mobiwik and apay are the most popular wallets, and all let users transafer amount back to bank without any charges? asking cause paytm wallet might stop working from next month maybe?
Click to expand...
Better use Amazon Pay instead of Paytm
 
Upvote 0 Downvote
bhauka11 said:
Just a quick question..

Do i have to add 40000 in Amazon pay in one go for the cashback or I can do 20000 two times or 10000 4 times??
Click to expand...
You can do all of the above. Just remember that cashback is eligible for multiples of 400 and above txn.
I once paid a bill of 39900 and then 100 rupees i load on amzn.
My 399 is still stuck there.
 
Upvote 0 Downvote
You must log in or register to reply here.

Similar threads

V
HDFC millennia debit card for SBI CC payments
Replies
11
Views
183
valorantnoob
V
S
HDFC Millennia Debit card
Replies
3
Views
253
prankster
prankster
itscaj
  • Solved
Credit card payment through HDFC Millennia debit card on HDFC BILL Pay
2 3 4
Replies
66
Views
4K
Aayush Rajaji
Aayush Rajaji
I
  • Question Question
How To Pay Credit Card Bill Via Hdfc Millennia Debit card
Replies
12
Views
972
guest_123
G
choudharyji
  • Question Question
Query regarding reward point of hdfc millennia debit card
Replies
6
Views
1K
rishabk27775
rishabk27775
Back
Top