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.

 

[350modena]

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.

Thanks. I'll try to follow this !

 

[Sriim]

Thanks. I'll try to follow this !

Please don't do that. You'll be missing out on 300 (50*6 months) in future earnings. As desiviru said, keep redeeming and the validity keeps extending, as points that were credited first get redeemed first.

There might be further devaluation in the future when earning 400 points might become difficult. Or some MCC might get changed and you come to know only after month end. You might get less than 400 points then and can redeem those 300 then.

 

[desiviru]

Please don't do that. You'll be missing out on 300 (50*6 months) in future earnings. As desiviru said, keep redeeming and the validity keeps extending, as points that were credited first get redeemed first.

There might be further devaluation in the future when earning 400 points might become difficult. Or some MCC might get changed and you come to know only after month end. You might get less than 400 points then and can redeem those 300 then.

Yeah and it is possible this min. 400 or multiples of 400 gets removed by HDFC in future. I haven't contacted CC. Maybe they can redeem it from their end without 400 multiple thing. He can contacting them too. Rest having 400 every month is more beneficial as on one end you get 300 and on other you lose 300.

 

[350modena]

Please don't do that. You'll be missing out on 300 (50*6 months) in future earnings. As desiviru said, keep redeeming and the validity keeps extending, as points that were credited first get redeemed first.

There might be further devaluation in the future when earning 400 points might become difficult. Or some MCC might get changed and you come to know only after month end. You might get less than 400 points then and can redeem those 300 then.

Yes this makes sense thanks ! I'll let it roll forward and by change I forget to earn the full 400 in a month (which sadly has happened to me) then that month I'll redeem this c/f balance. Thanks to you and @desiviru for the tips!

 

[Hemang]

Yes this makes sense thanks ! I'll let it roll forward and by change I forget to earn the full 400 in a month (which sadly has happened to me) then that month I'll redeem this c/f balance. Thanks to you and @desiviru for the tips!

koi baat ni bhai. Me 393.7 rupees leke chal raha hu. 3 months ho gaye. Kabhi milenge ye sochke. Koi baat nahi. Tap & pay ne compensate kar diye ye maan lena bhai.

 

[desiviru]

koi baat ni bhai. Me 393.7 rupees leke chal raha hu. 3 months ho gaye. Kabhi milenge ye sochke. Koi baat nahi. Tap & pay ne compensate kar diye ye maan lena bhai.

Hemang bhai, isme jab 400 add ho jaye aapke toh ek kaam karna sabhi 793.70 redeem karke dekhna. Because TnC mein likha hai min. 400 but yeh nahi likha ki in multiples of 400. I also never tried and missed it today also as one of my acc. has more pts. Now balance pts are less than 400 so can't try.

 

[NShah]

Hemang bhai, isme jab 400 add ho jaye aapke toh ek kaam karna sabhi 793.70 redeem karke dekhna. Because TnC mein likha hai min. 400 but yeh nahi likha ki in multiples of 400. I also never tried and missed it today also as one of my acc. has more pts. Now balance pts are less than 400 so can't try.

Multiple of 400 likha hai site par
Harami hai hdfc 90 days ke baad cashback deta hai usmein bhi atrangi t&c lagakar rakha hai

 

[Hemang]

Hemang bhai, isme jab 400 add ho jaye aapke toh ek kaam karna sabhi 793.70 redeem karke dekhna. Because TnC mein likha hai min. 400 but yeh nahi likha ki in multiples of 400. I also never tried and missed it today also as one of my acc. has more pts. Now balance pts are less than 400 so can't try.

Ye try to me 393 aaye uske next month hi kr liye the. Jese hi 793 kra, keh diya usne ni milenge. Either we take 400 or nothing that is the HDFC Motto.

 

[desiviru]

Multiple of 400 likha hai site par
Harami hai hdfc 90 days ke baad cashback deta hai usmein bhi atrangi t&c lagakar rakha hai

Read that.

• Cashback Rewards 
• Get up to ₹4800 Cashback every year
• Cashback Points can be earned for every transaction greater than ₹400
• Maximum aggregate Cashback Points per account per month is 400
• Cashback Points need to be redeemed through NetBanking in mulitples of 400
• Cashback Points will be credited in 90 days from the end of the transaction month
• Cashback Points will be valid for redemption within the next 12 months after which your Cashback Points will lapse.
• No maximum capping on redemption subject to availability

 

[2025]

No earn 100 more pts and redeem 400. Thing is you can redeem only in multiples of 400. Pts have 1 year validity so you can add later.

400/800/1200/1600 etc. can be redeemed but less than 400 can't til lyou reach it again.

Are you sure that millennia points has one year validity? My millennia dc points lying since last year. December I guess. I had replaced my dc in September 2023.
That means my millennia points gonna vanish by this month end.

 

[6ix9ine]

Read that.

• Cashback Rewards 
• Get up to ₹4800 Cashback every year
• Cashback Points can be earned for every transaction greater than ₹400
• Maximum aggregate Cashback Points per account per month is 400
• Cashback Points need to be redeemed through NetBanking in mulitples of 400
• Cashback Points will be credited in 90 days from the end of the transaction month
• Cashback Points will be valid for redemption within the next 12 months after which your Cashback Points will lapse.
• No maximum capping on redemption subject to availability

The maximum capping for points is 400, 800, 1200, 1600, so on so forth.

For example, if you accumulate 2000 points, you can redeem ₹2000 in one go.

But if you have 1980 points, that's not possible since it's not multiple of 400. You already know this, but it's just HDFC confused you 😂

 

[6ix9ine]

Are you sure that millennia points has one year validity? My millennia dc points lying since last year. December I guess. I had replaced my dc in September 2023.
That means my millennia points gonna vanish by this month end.

T&C state that. I don't think anyone would hold onto their Millennia DC points for over a year. 90 days of waiting is already torture 😂

Better redeem them soon.

 

[NShah]

mulitples of 400

. . .

 

[desiviru]

The maximum capping for points is 400, 800, 1200, 1600, so on so forth.

For example, if you accumulate 2000 points, you can redeem ₹2000 in one go.

But if you have 1980 points, that's not possible since it's not multiple of 400. You already know this, but it's just HDFC confused you 😂

Yeah since I have the card I am living with multiples of 400 fact and also told the same in older posts but just missed on redemption page the word "multiples" and it striked me with only min. 400 is the condition.

Actually after pressing ctrl+F, I typed "Mutliple" instead of multiple and thought it is not on the page. 🤣