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

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D₹V

D₹V

TF Pioneer
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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GTSaketh said:
Did you guys get RP this month? I haven't received mine yet
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Mr Bean Waiting GIF by MOODMAN
 
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GTSaketh said:
Did you guys get RP this month? I haven't received mine yet
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They gave in last 2 months very quickly doesn't mean they will give it that quick every month. In Oct it was by Oct 15 and in Nov it was by 8th. Before that it was always after 21st to 31st of month. Already banks busy are upgrading their system after Dec 1 amendments have come into effect. Some banks are keeping digital channels down for upgrades and many have sent notifications like 3-4 times till now for different days. So Rewards will also be delayed this month or come after 15 if not this week.
 
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desiviru said:
They gave in last 2 months very quickly doesn't mean they will give it that quick every month. In Oct it was by Oct 15 and in Nov it was by 8th. Before that it was always after 21st to 31st of month. Already banks busy are upgrading their system after Dec 1 amendments have come into effect. Some banks are keeping digital channels down for upgrades and many have sent notifications like 3-4 times till now for different days. So Rewards will also be delayed this month or come after 15 if not this week.
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Don't they have any automated system in place? Do they literally release them manually?
 
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harshgupta940 said:
Don't they have any automated system in place? Do they literally release them manually?
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It is manual from the way these are credited. Just like SBI campaign bonus are posted and processed manually. Calculation/exclusion is automated but posting is manual. When a camapgin runs they have to make changes to calculation method first before okaying with posting. That's the reason rewardz are handled by whole different team. With many banks they have tie-up with Loylty Rewards but HDFC and IDFC have their own team behind it.
 
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Something unusual is happening at HDFC's backend. So I have 3 Millennia DCs
1) Mastercard - Received 400 Millennia Debit Card points and redeemed them successfully
2) Visa - Didn't receive any points for this month yet
3) Visa - Received 750 Promotional Cashback (SS Attached) instead of 400. (Note - I didn't hold Platinum DC previously and didn't do any accelerated cb txn using Payzapp/Smartbuy)

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Should I redeem them? Or is it a mistake and will get reversed?
 
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harshgupta940 said:
Something unusual is happening at HDFC's backend. So I have 3 Millennia DCs
1) Mastercard - Received 400 Millennia Debit Card points and redeemed them successfully
2) Visa - Didn't receive any points for this month yet
3) Visa - Received 750 Promotional Cashback (SS Attached) instead of 400. (Note - I didn't hold Platinum DC previously and didn't do any accelerated cb txn using Payzapp/Smartbuy)

View attachment 77647

Should I redeem them? Or is it a mistake and will get reversed?
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Promotional cashback is usually given for transactions on smartbuy/payzapp only. Are you sure you haven't done any of those? Pharmeasy/IRCTC/gyftr?

Your Millenia Cashback of 400 will be credited under millennia debit card only

I'll say go ahead and redeem it. In a worst case scenario, they'll deduct that amount from your account. Nothing to lose
 
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Sriim said:
Promotional cashback is usually given for transactions on smartbuy/payzapp only. Are you sure you haven't done any of those? Pharmeasy/IRCTC/gyftr?
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No as I also mentioned in my message.
Only 16k exact per month txn from this account to sbi unipay
Sriim said:
Your Millenia Cashback of 400 will be credited under millennia debit card only

I'll say go ahead and redeem it. In a worst case scenario, they'll deduct that amount from your account. Nothing to lose
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Ok I will redeem
 
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harshgupta940 said:
Something unusual is happening at HDFC's backend. So I have 3 Millennia DCs
1) Mastercard - Received 400 Millennia Debit Card points and redeemed them successfully
2) Visa - Didn't receive any points for this month yet
3) Visa - Received 750 Promotional Cashback (SS Attached) instead of 400. (Note - I didn't hold Platinum DC previously and didn't do any accelerated cb txn using Payzapp/Smartbuy)

View attachment 77647

Should I redeem them? Or is it a mistake and will get reversed?
Click to expand...
As @Sriim said, promotional cashback is for smartbuy transactions (Gift card, railway tickets etc.). Which is max ₹1000 for HDFC debit cards.

As per calculation you must have spent around 15k on smartbuy portal.

5% of 15k = 750.
 
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350modena said:
Which means in a particular month I have to earn only 100, and no more.
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Keep earning 400 every month. When you redeem the first 300 that were credited will be redeemed first. But if you want it to be 0 then do like 350 for two month. It will bring it to 1000 and then redeem 800. Do 350 twice again and bring it to 100. Then 350+350 will make it 100. So 6 months needed for 350 every month to make it zero.
 
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