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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.

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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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Abhi5467 said:
‘Other email’ means you have multiple Gmail accounts and send to that email as Gift card.
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I have just one email account registered with Amazon, and have the GCs/SVs sent there. I thought maybe by "other email" you were suggesting not to do that for some reason!

Abhi5467 said:
Can you can use Amz Shopping Vouchers for recharge and bill payment?
Click to expand...

No. But I didn't realize that you were talking about only such usage!
.
 
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Trust Me said:
I have just one email account registered with Amazon, and have the GCs/SVs sent there. I thought maybe by "other email" you were suggesting not to do that for some reason!



No. But I didn't realize that you were talking about only such usage!
.
Click to expand...
I avoid using the same email registered with Amazon for sending gift cards as they might decrease the gift cards on suspicion of stockpiling them. It’s just a precaution.
 
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Abhi5467 said:
I avoid using the same email registered with Amazon for sending gift cards as they might decrease the gift cards on suspicion of stockpiling them. It’s just a precaution.
Click to expand...

I think I am safe that way: they would have to really stretch their definition of "stockpiling" if they wanted to apply it in my case! 🙂

But I don't understand why this would be an issue when they offer multiple reward coupons concurrently themselves!
.
 
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I avoid restricted usage vouchers. Many times they are not applicable on products in sale or can't extract desired value out of them. In Amazon, Gift vouchers and Shopping vouchers has barely any difference in cashback. So I opt of Amazon Gift card as it's equivalent to cash for paying bills and insurance too. For eg. electricity bill of ₹3000/- if paid by Gift card will get you 100 CB @ 3.33% This is as good as it gets without a credit card.
 
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