HDFC Bank Millennia Debit Card & It's Benefits ❤️🔥

[D₹V]

Charges: 500 + GST.



Benefits:
• 5% cashback on PayZapp or Smartbuy
• 2.5% cashback on shopping i.e. on Flipkart, Amazon etc
• 1% on other transactions i.e. wallet loads, credit card payments etc
• Total rewards is capped at 400 RP/month
• Bonus - 5% cashback upto 1000 on Gift Vouchers purchase via Smartbuy per month. P.s. Smartbuy has introduced 2.5% & 3.25% + GST on ASV & AGV respectively.
• Cashback will be credited in 4 month after the transaction (i.e. 90 days), you can redeem via HDFC netbanking.
• You can get rewards worth ₹16,800 annually.



How to milk the benefits?
• If you use it on smartbuy only then 5% upto 400 (card benefits) + 5% upto 1000 (smartbuy bonus), total 1400 RP/month you'll be getting. Since Smartbuy charging convenience fees on AGV & ASV, better to buy Flipkart GV without convenience fee on smartbuy.
• For example, if you buy Flipkart GV worth 8k via Smartbuy with Millennia DC, you'll get 400 + 400 = 800 cashback, meaning 10% cashback on Flipkart GV.
• In another example, if you buy worth 20k, you'll get 1400 cashback, meaning 7% cashback on Flipkart GV. So buy accordingly as per your needs.
• If you use Millennia DC for 40k CC Payments worth 40k via Mobikwik, Paytm etc only, then 1% upto 400 cap will be over & you'll get 5% cashback upto 1000 if you purchase any GV via Smartbuy now.

Hope you've understood the benefits & enjoy the rewards ❤️. Ask if any query.

 

[Akashn]

Cc bill payment via mobikwik is 2.5% right?
And are you sure about paytm 1%?

 

[D₹V]

Cc bill payment via mobikwik is 2.5% right?
And are you sure about paytm 1%?

Paytm 1% sure, you can add to wallet first or directly as you wish.
Mobikwik 2.5%? Haven't tried personally but there needs to be some specific merchant while payment I guess.

 

[Akashn]

Paytm 1% sure, you can add to wallet first or directly as you wish.
Mobikwik 2.5%? Haven't tried personally but there needs to be some specific merchant while payment I guess.

Wallet is dead as of now. Only option is cc bill pay..
Its all confusing with mobikwik 🥲.. I miss our simple paytm wallet load method..

 

[D₹V]

Wallet is dead as of now. Only option is cc bill pay..
Its all confusing with mobikwik 🥲.. I miss our simple paytm wallet load method..

On Mobikwik, you'll get 1% for sure bro. Can't confirm about 2.5% but users get 2.5% on Mobikwik.

 

[D₹V]

Wallet is dead as of now. Only option is cc bill pay..
Its all confusing with mobikwik 🥲.. I miss our simple paytm wallet load method..

Also, for many users add money disabled on Paytm via debit card.

For me, it's working flawlessly, as I never abused it.

 

[4uziaul]

Charges: 500 + GST.



Benefits:
• 5% cashback on PayZapp or Smartbuy
• 2.5% cashback on shopping i.e. on Flipkart, Amazon etc
• 1% on other transactions i.e. wallet loads, credit card payments etc
• Total rewards is capped at 400 RP/month
• Bonus - 5% cashback upto 1000 on Gift Vouchers purchase via Smartbuy per month. P.s. Smartbuy has introduced 2.5% & 3.25% + GST on ASV & AGV respectively.
• Cashback will be credited in 4 month after the transaction (i.e. 90 days), you can redeem via HDFC netbanking.
• You can get rewards worth ₹16,800 annually.



How to milk the benefits?
• If you use it on smartbuy only then 5% upto 400 (card benefits) + 5% upto 1000 (smartbuy bonus), total 1400 RP/month you'll be getting. Since Smartbuy charging convenience fees on AGV & ASV, better to buy Flipkart GV without convenience fee on smartbuy.
• For example, if you buy Flipkart GV worth 8k via Smartbuy with Millennia DC, you'll get 400 + 400 = 800 cashback, meaning 10% cashback on Flipkart GV.
• In another example, if you buy worth 20k, you'll get 1400 cashback, meaning 7% cashback on Flipkart GV. So buy accordingly as per your needs.
• If you use Millennia DC for 40k CC Payments worth 40k via Mobikwik, Paytm etc only, then 1% upto 400 cap will be over & you'll get 5% cashback upto 1000 if you purchase any GV via Smartbuy now.

Hope you've understood the benefits & enjoy the rewards ❤️. Ask if any query.

Ab lag raha hai iska number hai next 🤣

 

[D₹V]

Ab lag raha hai iska number hai next 🤣

Kya? Devaluation?? 😂

Ya card? Wo to already hai.

 

[Zulu]

Flipkart Voucher worth 8k via Smartbuy with Millennia Credit Card, what will be Cashback amount and when it will be credited?

 

[D₹V]

Flipkart Voucher worth 8k via Smartbuy with Millennia Credit Card, what will be Cashback amount and when it will be credited?

5% (in 90 days) + 1% (next month) = total 6% for Millennia CC.

 

[BeingIncog]

Flipkart Voucher worth 8k via Smartbuy with Millennia Credit Card, what will be Cashback amount and when it will be credited?

1% i think.

 

[D₹V]

1% i think.

+ 5% smartbuy bonus in next 90 days

 

[BeingIncog]

5% (in 90 days)

gib proof hehe

 

[D₹V]

gib proof hehe

I'll but after 4 months

 

[Zulu]

5% (in 90 days) + 1% (next month) = total 6% for Millennia CC.

5% Smartbuy Cashback I am getting within 5 days of buying Flipkart GV. My concern is only about any other Cashback.

 

[D₹V]

5% Smartbuy Cashback I am getting within 5 days of buying Flipkart GV. I concern is only about any other Cashback.

Wow 😳.. so it's instant for CC? You'll get 1% upto 1k for other txns on smartbuy too.

Check the statement.

 

[Zulu]

Wow 😳.. so it's instant for CC? You'll get 1% upto 1k for other txns on smartbuy too.

Check the statement.

Yes 5% almost instant. I don't know about rest amt and credit time.

 

[Trust Me]

Charges: 500 + GST.



Benefits:
• 5% cashback on PayZapp or Smartbuy
....
How to milk the benefits?
• If you use it on smartbuy only then 5% upto 400 (card benefits) + 5% upto 1000 (smartbuy bonus), total 1400 RP/month you'll be getting. Since Smartbuy charging convenience fees on AGV & ASV, better to buy Flipkart GV without convenience fee on smartbuy.
• For example, if you buy Flipkart GV worth 8k via Smartbuy with Millennia DC, you'll get 400 + 400 = 800 cashback, meaning 10% cashback on Flipkart GV.

Are you sure of this? SmartBuy T&C specifies just 1% for Flipkart. Is that just for Flipkart store, and it's 5% for Flipkart vouchers via GyFTR? I heard that GyFTR has reduced it for Axis. Is it still 5% for HDFC?

Also, this '5% on SmartBuy' DC feature is non-specific w.r.t. merchants (unlike the Millennia CC). So, does one get the 5% DC benefit for all purchases on SmartBuy?

 

[D₹V]

Are you sure of this? SmartBuy T&C specifies just 1% for Flipkart. Is that just for Flipkart store, and it's 5% for Flipkart vouchers via GyFTR? I heard that GyFTR has reduced it for Axis. Is it still 5% for HDFC?

Also, this '5% on SmartBuy' DC feature is non-specific w.r.t. merchants (unlike the Millennia CC). So, does one get the 5% DC benefit for all purchases on SmartBuy?

I'm talking about Smartbuy Gyftr Portal bro for flipkart GV. While shopping on Flipkart via Smartbuy will give only 1% RP.

This 5% feature upto 1k is provided by HDFC Gyftr Portal only bro. Other merchants will have own cashback details mentioned.

 

[Trust Me]

This 5% feature upto 1k is provided by HDFC Gyftr Portal only bro. Other merchants will have own cashback details mentioned.

Yeah, I understand that about the SmartBuy GyFTR portal. But what about the Millennia DC 5% upto 400/- feature on SmartBuy/PayZapp? Applies to which merchants? Thanks.