Frustrating issue with HDFC. How to resolve it ?

[jijen321]

Hello all ,
I got my HDFC regalia gold LTF last year and was mostly happy with it. My credit card year(Cycle ) for the same was 07th aug 2023 - 06th August 2024. I got my first annual milestone benefit voucher two months ago for reaching 5 lakhs spends without any problems. To receive the Annual Milestone Benefit 2 , one needs to spend 7.5 lakhs , I didn't care much about it as I thought I wont be able to spend another 2.5 lacks to acheive the second milestone.

When I checked my total spends on 06th of august 2024 , i realised I had spend 7.25 lakhs and i was close to achieve the second milestone. So I did some GYFTYR purchase worth of 30k ( total spend 7.55 lakhs ) just to achieve milestone .

Now the problem is somehow the smartbuy portal took those transactions for the current cycle 7 th August 2024 - 6th August 2025 but my statment clearly shows the spends as 6th August 2024
I have been dealing with HDFC Credit card team and smartbuy team for nearly a month now with back and forth emails but they keep saying I didn't acheive the target last year.

Whats the best way to deal with this issue ?

 

[Sriim]

Hello all ,
I got my HDFC regalia gold LTF last year and was mostly happy with it. My credit card year(Cycle ) for the same was 07th aug 2023 - 06th August 2024. I got my first annual milestone benefit voucher two months ago for reaching 5 lakhs spends without any problems. To receive the Annual Milestone Benefit 2 , one needs to spend 7.5 lakhs , I didn't care much about it as I thought I wont be able to spend another 2.5 lacks to acheive the second milestone.

When I checked my total spends on 06th of august 2024 , i realised I had spend 7.25 lakhs and i was close to achieve the second milestone. So I did some GYFTYR purchase worth of 30k ( total spend 7.55 lakhs ) just to achieve milestone .

Now the problem is somehow the smartbuy portal took those transactions for the current cycle 7 th August 2024 - 6th August 2025 but my statment clearly shows the spends as 6th August 2024
I have been dealing with HDFC Credit card team and smartbuy team for nearly a month now with back and forth emails but they keep saying I didn't acheive the target last year.

Whats the best way to deal with this issue ?

Banks usually add transactions done on statement generation date to next statement as the transaction won't be posted to the card account by the time statement gets generated

I'm afraid there's nothing much you could do. You did your transactions 1 day too late 🙃

 

[desiviru]

If transaction was done on Aug 6th it won't count and will be billed on Aug 8th. I have told here many times that dates matter the most with CC. Like Millennia CC txns done on 30/31 won't credit points in next month but upcoming month and also it reduces next month maximum points.

So be careful with dates. Until a txn is billed, system won't take it. HDFC clearly mentions on website that txns settled till so and so date will be counted. Settlement is third day. For most of CC offers if last date is say 30 Sep then txns till 28th Sep will count as it will settle till the expiry date easily.

 

[jijen321]

Didn't know about settlement dates unfortunately 😕.Well , you learn something new everyday. My credit card statement showing the correct transaction date as 06th Aug does it give my any chance to win my case.

 

[jijen321]

Banks usually add transactions done on statement generation date to next statement as the transaction won't be posted to the card account by the time statement gets generated

I'm afraid there's nothing much you could do. You did your transactions 1 day too late 🙃

Just to be clear , my statement generation date is 23rd , so the statement got the correct transaction date as 6th of august , is it still not any good ?

 

[desiviru]

Didn't know about settlement dates unfortunately 😕.Well , you learn something new everyday. My credit card statement showing the correct transaction date as 06th Aug does it give my any chance to win my case.

Bro, CC statement will obviously show txn date but Value Date is 8th Aug. Milestone system only counts txns settled till last date and adds to toal amount.

I learnt it in 2022 when under offer campaign on usage of my card Rs.500 voucher was offer and I did txn on 30th which settled on 1 of next month. HDFC generously gave voucher after emailing but it took a month of continous mail exchanges. In milestone, we can't do much as it is settled automatically and on rewards redemption site you can check it also every quarter and total out.

 

[asahi]

Same issue with Axis, on last day i made a huge transaction to meet the annual fee reversal, but 🪓 to me: hehe 😜 hell no, we won’t waive off the annual fee. Also said you’ll have no problem to meet the requirement for next year as this large amount will be counted for next year, anyway i made so much more than the annual fee for this cycle. So it didn’t bother me much

 

[SonyTom]

As a last resort try mailing higher levels and contacting Twitter support

 

[Sriim]

Just to be clear , my statement generation date is 23rd , so the statement got the correct transaction date as 6th of august , is it still not any good ?

By statement generation date, i meant any date on which offer ends or card anniversary year ends. Amount has to be posted on that date for it to be eligible for rewards/bonus

 

[Slayer]

Misleading title ?!?!?

 

[dexter_greycells]

I discovered the exact same thing the less painful way. Mine was a case of missing the 80k monthly milestone on DCB. The customer support agent was smart. She immediately asked me - "Did you make any purchases on the last couple of days of month?" Mine was on the second last day and it still didn't count for the milestone.