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

Apply For Lifetime Free IDFC First Credit Card
D₹V

D₹V

TF Prestige
Charges: 500 + GST.

IMG_20230813_104357_256.jpg

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.

IMG_20230813_104356_710.jpg

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.
 
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Will Millenia DC give 2.5% for utilities (electricity, broadband, mobile, etc)? Or is it 1%? Can it be availed from other apps like Amazon or does it have to be Payzapp / Bill Pay?
Will it give 1% CB for paying other bank credit card bill on BillPay and Payzapp?
 
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raghu.rokda said:
Biggest drawback of this debit card

There is no date mentioned in mobile banking/ netbanking for crediting of 400 Cashback
Click to expand...

After 90 days or within 90 days

If you do txns on Nov, you will get cb points on 1st of March. Nowadays they were crediting 10 days before I.e from 20th of Feb.
 

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Hey @shutapdiya

I guess better use IDFC credit card for credit card payments.
Like load payzapp wallet with 50k via IDFC card (6 reward for first 25k then 10 reward for 2nd 25k ~= 3500 i.e. Rs.875) --> I guess better than HDFC millenia Debit card 1%

But don't know if bank mark it as fraud 🤣
 
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D₹V said:
Charges: 500 + GST.

View attachment 26364

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.

View attachment 26365

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.
Click to expand...
One confusion here,
I tried buying gv from millennia debit card but couldn't see the cashback anywhere and hence contacted customer care.
They told me payzap cashback is not applicable and they are working on removing the offer banner. And also when will the other 5% cashback be credited and where to check that?
 
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