Only Premium & Super Premium Cards Discussion

[sousnake]

I always though best way to use DCB on Myntra is to buy gift card, load them in Myntra & buy products. This gives 3x reward points. So a transaction of 1050 (to 1100) will give 3x RP means 15 RP per 150 => 105 RP (~10%) (Image 1)

But there was an offer on Myntra in Jan that on spend of 1000 you will get e-voucher of 150 if paid via Payzapp wallet. So I did a transaction on 21st Jan of 1091 on Payzapp using DCB. I got 150 voucher + 5x Rp on DCB which is 175 (Image 2) (~28%)

Though this might be some issue, so I did another transaction (1061) on 30 Mar, again got 5x reward points (175). Hopefully will get 100 e-voucher because of payzapp offer as well. (~26%)

1. This takes default reward rate to 16% better than 10% via vouchers + if payzapp offers available then it becomes even better. In April payzapp is offering 150 on 1500 + 5x RP on DCB. (could be ~26%)
2. In case of returning product amount directly comes in card which is better than gift voucher.

Few questions in my mind
1. Which other platforms allows payment via payzapp wallet, so we can use DCB there as well?
2. If we load wallet directly via DCB what are charges & Rp's?
3. Will this work if I buy gift card via Myntra & do payment with payzapp using DCB.

Not sure if people are already using this method. I recently discovered so thought of sharing. Admins can delete thread if it is well know.

 

[kowsikbabu]

Very useful, thanks for sharing.

If possible can you share the banner or link to 150 on 1500 on payzapp?

 

[luckymurari]

Thanks for sharing. You mean to say any payzapp payment is 5x or only at Myntra?

 

[NOOBY]

Not sure if you went through the smartbuy offer page or not, but its mentioned that Myntra (via smartbuy) will fetch 5X RP

Offer: https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=

maybe hdfc terms payment via payzapp as smartbuy spends (which is a good thing if its ot what they wanted)

 

[sousnake]

Thanks for sharing. You mean to say any payzapp payment is 5x or only at Myntra?

Not sure about that. I don't know which other platform accepts payment via payzapp wallet.

 

[sousnake]

Not sure if you went through the smartbuy offer page or not, but its mentioned that Myntra (via smartbuy) will fetch 5X RP

Offer: https://offers.smartbuy.hdfcbank.com/offer_details/smartbuy/15282/Zmilm2U=

maybe hdfc terms payment via payzapp as smartbuy spends (which is a good thing if its ot what they wanted)

I don't think I have seen this before. I use to believe that vouchers are the way to go. Seems like for some platform smartbuy payment are better.

 

[NOOBY]

I don't think I have seen this before. I use to believe that vouchers are the way to go. Seems like for some platform smartbuy payment are better.

yeah, even I checked the offer page after your post...

so, for companies which tie up with smartbuy, payzapp is indeed the way to go


earlier, AZ had such offer with smartbuy (3X) but GV were on 5X (10X in offer periods as well), so GVs were better in this scenario

 

[kshitij_0]

What about Millennia CC?

 

[sousnake]

Very useful, thanks for sharing.

If possible can you share the banner or link to 150 on 1500 on payzapp?

You can check on payzapp in offers section -> Merchant offers