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.

 

[pothi]

If yes, is this part of the 400 per month limit or is it separate?

Separate. It's called promotional rewards / cashback. You can withdraw as little as Rs.1 and promotional cashbacks are listed separately in your card's rewards section. See below snippet from OP...

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.

 

[Sekar N]

Yes 3% plus GST. I bought them from Payzapp because there was a Payzapp promo of 350 voucher for cumulative spends of 5000 in 2 or more transactions using HDFC DC.

In the below 2 steps which step do we need to follow to get this 350 Voucher? If we select Payzapp & DC means for Amazon Gift Card, there won't be any cashback right?

Infinia Post in thread '[Solution Provided] Payzapp Shop Bonus Points Not Credited'

Oct 24, 2024

Those who got the points, let's understand this better!

1. Did you make the payment on the site via your HDFC Credit Card while being inside Payzapp App?

2. Or did you make the payment via Payzapp's "Swipe to Pay" feature (while still using HDFC Credit card)?

I'm suspecting this could be the problem.

Pazapp -> Brand -> Checkout with HDFC CC on site = You get bonus points.
Payzapp -> Brand -> Checkout with Payzapp -> Swipe to Pay (via HDFC CC) = No bonus points.

I'll put this to test while HDFC Bank has promised to investigate after I've sent them the evidence already.

• SmartSave

@SmartSave @roygarg

 

[roygarg]

Separate. It's called promotional rewards / cashback. You can withdraw as little as Rs.1 and promotional cashbacks are listed separately in your card's rewards section. See below snippet from OP...

Thanks. So even this 5% will come after 3 months right?

 

[Sekar N]

I have that notification too, but opening it doesn't show the Tnc, can you see it? It takes me to accounts and cards list page

I can see the T&C under - Explore Offers & Rewards ->Bank Product Offers

 

[roygarg]

In the below 2 steps which step do we need to follow to get this 350 Voucher? If we select Payzapp & DC means for Amazon Gift Card, there won't be any cashback right?

Infinia Post in thread '[Solution Provided] Payzapp Shop Bonus Points Not Credited'

Oct 24, 2024

Those who got the points, let's understand this better!

1. Did you make the payment on the site via your HDFC Credit Card while being inside Payzapp App?

2. Or did you make the payment via Payzapp's "Swipe to Pay" feature (while still using HDFC Credit card)?

I'm suspecting this could be the problem.

Pazapp -> Brand -> Checkout with HDFC CC on site = You get bonus points.
Payzapp -> Brand -> Checkout with Payzapp -> Swipe to Pay (via HDFC CC) = No bonus points.

I'll put this to test while HDFC Bank has promised to investigate after I've sent them the evidence already.

• SmartSave

View attachment 73035

@SmartSave @roygarg

No clue. I just made payment using my saved HDFC debit card on Payzapp. If you have a CC saved, it will show up by default on the payment page. So ensure to change it to debit card before making payment.

 

[nayra]

I can see the T&C under - Explore Offers & Rewards ->Bank Product Offers

Found it, thanks! I was about to miss the offer

 

[Sekar N]

Found it, thanks! I was about to miss the offer

I hope this offer will be useful when we use except Amazon & Flipkart. Because Payzapp not offering cashback for this 2.

 

[nayra]

Yes 3% plus GST. I bought them from Payzapp because there was a Payzapp promo of 350 voucher for cumulative spends of 5000 in 2 or more transactions using HDFC DC.

Why is gyftr showing only 3% cashback for other debit cards, wasn't it 5%?

 

[Raj_019]

Bought AGV from Payzapp using Millenia DC. In statement, it is showing "POS .... GYFTR VIA SMARTB" Do we get 5% cashback for this? If yes, is this part of the 400 per month limit or is it separate?

You will not get any cashback

 

[nayra]

Do credit card or other bill payment via Payzapp count under this offer txn?

 

[Sekar N]

Do credit card or other bill payment via Payzapp count under this offer txn?

Excluded Credit card bill payments and wallet load as per T&C

 

[nayra]

Why is gyftr showing only 3% cashback for other debit cards, wasn't it 5%?

What about this then, if not getting 7% after 4 months is not that attractive

 

[roygarg]

You will not get any cashback

Are you sure? Another user said 5%

 

[roygarg]

Why is gyftr showing only 3% cashback for other debit cards, wasn't it 5%?

No idea. I dont purchase very often from gyftr

 

[Raj_019]

Are you sure? Another user said 5%

You will get no cashback from payzapp. You have to input 3% promocode for debit card transaction.

 

[roygarg]

You will get no cashback from payzapp. You have to input 3% promocode for debit card transaction.

The 5% the other user was referring to is the Millenia DC cashback. In Payzapp, you cannot apply the promo code at all for Amazon vouchers.

 

[rohant]

I have that notification too, but opening it doesn't show the Tnc, can you see it? It takes me to accounts and cards list page

which app is it?

 

[nayra]

which app is it?

Payzapp mobile app