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.

 

[Astrella]

HDFC is benefitting from this BillPay trick. So many are opening account just for this. Most of these new accounts are SavingsMax account with MAB of 25k. So hope they don't change the MCC

I opened a savingsmax account just for the 750rs cashback per month. if it's a strategy, its working

 

[shivamk]

I opened a savingsmax account just for the 750rs cashback per month. if it's a strategy, its working

Same,


btw does anyone know if HDFC allow both Millennia and Platinum DC on single account?

 

[varun__goel_]

Same,


btw does anyone know if HDFC allow both Millennia and Platinum DC on single account?

No
Only 1 DC per account

Though you can open another account

 

[Astrella]

Same,


btw does anyone know if HDFC allow both Millennia and Platinum DC on single account?

should be possible, i don't need a Milennia because i only want the 750rs discount.

EDIT: Guess not

 

[SonyTom]

No
Only 1 DC per account

Though you can open another account

I already have a savings max account with ESP DC.
Which account type should I open to get Millennia DC free?
Another savings max?

 

[doraemon]

I already have a savings max account with ESP DC.
Which account type should I open to get Millennia DC free?
Another savings max?

Open regular account and upgrade to classic at customer I'd level

It will be free as whole

 

[SonyTom]

Open regular account and upgrade to classic at customer I'd level

It will be free as whole

Thanks. I will discuss with my RM/BM

 

[doraemon]

Let us know

Thanks. I will discuss with my RM/BM

What is conclusion after deciding
As I am thinking of opening second account in HDFC for extra millennia cards

Preferably in different branch

 

[DimeEarner]

Jan month cashback is not credited yet

 

[SonyTom]

Let us know

What is conclusion after deciding
As I am thinking of opening second account in HDFC for extra millennia cards

Preferably in different branch

LOL. Will update after discussion 🤠

Edit- saw just now on TF home page -> Profile posts -> Millennia and Easyshop platinum DC loop hole on HDFC Billpay patched or soon going to be patched. Thanks to some show-off guy tagging HDFC about this loophole. So will wait for some time before opening another account 😟

 

[shivamk]

LOL. Will update after discussion 🤠

Edit- saw just now on TF home page -> Profile posts -> Millennia and Easyshop platinum DC loop hole on HDFC Billpay patched or soon going to be patched. Thanks to some show-off guy tagging HDFC about this loophole. So will wait for some time before opening another account 😟

Yaar Aisa mat bolo, I opened the account only for this purpose.

 

[SonyTom]

Yaar Aisa mat bolo, I opened the account only for this purpose.

What to do bro. I too hope it stays

 

[shivamk]

What to do bro. I too hope it stays

I opened the account this week only and if the offer is redacted SavingsMax is probably not worth it.

 

[shutapdiya]

Aur fir aate hai mere jaise Jo dono Dc se lootte hai 😝

Tum bhi har month dc replace karwate ho ya 2 account pe 2 card chala rahe ho?

 

[NShah]

Tum bhi har month dc replace karwate ho ya 2 account pe 2 card chala rahe ho?

2 account 2 Dc 😅

 

[shutapdiya]

2 account 2 Dc 😅

Mai tumse bada legend tha har mahine card replace karwata tha (free dc with classic banking) aur dono card se 750 +400 per month cb leta tha

@VISHESH_BANSAL aise logo ka percentage batao

 

[VISHESH_BANSAL]

Mai tumse bada legend tha har mahine card replace karwata tha (free dc with classic banking) aur dono card se 750 +400 per month cb leta tha

@VISHESH_BANSAL aise logo ka percentage batao

0.1% ka bhi 0.1% ho tum😂

 

[doraemon]

2 account 2 Dc 😅

Can 2 accounts have millennia
400+400 possible?

 

[varun__goel_]

Can 2 accounts have millennia
400+400 possible?

Y e s

 

[doraemon]

Y e s

Bas to ek regular aur khulwa leta hu
Maintain to waise bhi nahi karna hai classic Jo hu😃