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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.

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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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Bhanu Agarwal said:
Smartbuy cashback is part of promotional cashback & not under Rs.400 cap.

I used to book train tickets via smartbuy & used to get 5% in promotional cashback.
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Didn't you get extra 5%?

See,
a. Card benefits is 5% upto 400 (on PayZapp or merchants via smartbuy)

b. While 5% upto 1000 or 5x RP on smartbuy is for all HDFC debit or credit cards (except tata neu & few others).

So if one buys GV of 8k via smartbuy, he/she will get total 10% cashback (a+b).
 
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Just use this cashback calculator provided by the bank

SmartBuy

SmartBuy is a platform that solely displays offers extended by Merchants to HDFC Bank's Customers. HDFC Bank is not responsible for selling/rendering any of the listed Products/Services. HDFC Bank does not act as an express or implied agent of the listed Merchants/owners of the following...
offers.smartbuy.hdfcbank.com offers.smartbuy.hdfcbank.com
 
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MrJJ said:
Just use this cashback calculator provided by the bank

SmartBuy

SmartBuy is a platform that solely displays offers extended by Merchants to HDFC Bank's Customers. HDFC Bank is not responsible for selling/rendering any of the listed Products/Services. HDFC Bank does not act as an express or implied agent of the listed Merchants/owners of the following...
offers.smartbuy.hdfcbank.com offers.smartbuy.hdfcbank.com
Click to expand...
That's generic 😜
 
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timva said:
I opened Imperia banking with 5L cheque and still they denied..... Had to go with platinum 😤
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HDFC should have fired those "they" !

It's like you'd become an Imperia customer and asked them for a 500/- rupees gift, -- but they denied it, and forced you to accept a 750/- rupees gift instead! 🙂

I'd asked for the Millennia DC in place of my Platinum DC entitlement exactly on that ground, and they couldn't deny it. Got a Platinum too for another account.
 
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D₹V said:
Previously I said it'll take 90 days for smartbuy 5% on CC but in real it comes in 2 days after the txn. Proof 👇

View attachment 40529
Click to expand...

Man, you're telling us now!

This 90-120 days delay is such a big turn-off for me that I'd left my Millennia DC unused all this time!

Actually I'd stopped using any card at Axis offering such delayed cashback, because Axis being Axis, they typically still don't pay up, and customers need to haggle for their entitlement.

I know that HDFC are much more honorable in comparison, but still don't like such delays.
 
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Trust Me said:
Man, you're telling us now!

This 90-120 days delay is such a big turn-off for me that I'd left my Millennia DC unused all this time!

Actually I'd stopped using any card at Axis offering such delayed cashback, because Axis being Axis, they typically still don't pay up, and customers need to haggle for their entitlement.

I know that HDFC are much more honorable in comparison, but still don't like such delays.
Click to expand...
I'm talking about HDFC cc bro (in above reply)
 
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D₹V said:
Didn't you get extra 5%?

See,
a. Card benefits is 5% upto 400 (on PayZapp or merchants via smartbuy)

b. While 5% upto 1000 or 5x RP on smartbuy is for all HDFC debit or credit cards (except tata neu & few others).

So if one buys GV of 8k via smartbuy, he/she will get total 10% cashback (a+b).
Click to expand...
That's correct its almost for all debit/credit card.

Yes, I used to get 5% cashback in promotional cashback for train ticket bookings. --> I recommend to use debit card only as it won't attract surcharge of 1%
(I am not sure on other debit cards but millenia won't charge anything)
 
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Screenshot 2024-01-22 114027.png

1- Receive a cashback of 5% (up to 1,000/month) on all purchases, including vouchers, and any transactions made through SmartBuy. + enjoy an extra 2.5% cashback (up to 400).
2- 2.5% on online spends-> Receive an additional 2.5% cashback (up to 400) on online spends(If the card's reward cap has not been reached 400rs cap, you will receive this benefit)
3- on wallet reloads you get 1% CB upto 400(again you'll get this only if reward cap has not been reached 400rs cap)
4- Again if you enable autopayment of bills you still get 5% CB(upto 1800) regardless of any reward cap limits. This is only for 1year from the date of adding the bill.
Is my understanding correct?
 

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shash5252 said:
View attachment 40926

1- Receive a cashback of 5% (up to 1,000/month) on all purchases, including vouchers, and any transactions made through SmartBuy. + enjoy an extra 2.5% cashback (up to 400).
2- 2.5% on online spends-> Receive an additional 2.5% cashback (up to 400) on online spends(If the card's reward cap has not been reached 400rs cap, you will receive this benefit)
3- on wallet reloads you get 1% CB upto 400(again you'll get this only if reward cap has not been reached 400rs cap)
4- Again if you enable autopayment of bills you still get 5% CB(upto 1800) regardless of any reward cap limits. This is only for 1year from the date of adding the bill.
Is my understanding correct?
Click to expand...
Super correct 💯
 
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shash5252 said:
View attachment 40928View attachment 40929
I was wondering if i apply the coupon i'll get the total CB of 500(Payzap 5% upto 1000)+400(2.5% card reward)+the coupon benifit of 300rs =1200rs cb for 10k purchase of gv?
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Check tncs Again.

That Payzapp 3% Promocode is specially introduced in Lieu of 5% upto 1000 Smartbuy Cashback for txns Via Payzapp App using HDFC DC.

IF HDFC follow tncs , you are eligible for 5% Card Reward rate and 3% in Payzapp Wallet.

If there is glitch in HDFC System, HDFC will credit 5+5+3🫡

Otherwise Only 5+3
 
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VISHESH_BANSAL said:
Check tncs Again.

That Payzapp 3% Promocode is specially introduced in Lieu of 5% upto 1000 Smartbuy Cashback for txns Via Payzapp App using HDFC DC.

IF HDFC follow tncs , you are eligible for 5% Card Reward rate and 3% in Payzapp Wallet.

If there is glitch in HDFC System, HDFC will credit 5+5+3🫡

Otherwise Only 5+3
Click to expand...
Dang.. if you are getting 5+5+3, why the hell I need credit card.
All gyftr should be via dc only.
 
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