HDFC Millennia DC: Smartbuy 5% + 5% + 2.5%

[desiviru]

This post is regarding earning 12.5% on Smartbuy using HDFC Millenia. There is nothing new in this but many of us are missing higher CB on low spend.

We all know that Millennia DC has max. cap of Rs.400 as 5% cashback so we mostly use it for 16000 CC Payment or some use it for wallet load of 40K.

The thing I analyzed today was, my friend in Dec- 2023 used his Millennia DC on smartbuy for Rs.5000 for flipkart voucher only and nowhere else. When I checked his rewards, it were 5% smartbuy cashback offer (upto Rs.1000/month) for HDFC cards i.e Rs.250 were credited in April 2024, 5% Millennia DC specific for txn on Smartbuy/Payzapp i.e as per TnC and also 2.5% as online usage. Total 375 was credited to him. Max. is 400.

With Millennia CC it was confirmed since years that smartbuy txns were giving 5% cashback + 1% online spend so total 6% but same is with Millennia DC also.

So next time when you buy A gift card from smartbuy worth Rs. 5340 will fetch you- Rs.267+133.50 = Rs. 400 (50 paisa 😆 will not be given as 400 is max limit). The smartbuy cashback of 5340*5/100= 267 will be extra and come under 1000 cashback category.

Main point missed was the 5% debit card specific cashback and 2.5% online and 1% offline/wallet load, all have a cumulative limit of max. 400. So most of us missed this thing as were spending more than 8000-16000 every month.

 

[navdeep22]

Depends where you shop.View attachment 75325

yeah i was talking about irctc

 

[aniketkr.sharma]

There are 3 percentages here: 2.5%, 5%, and another 5%.

• The 2.5% and 5% apply to the ₹400 millennia cap.
• The 5% (Smartbuy) applies to the ₹1,000 cap and is universal for all HDFC cardholders.

Read this thread to understand how it works. From the looks of it, you seem new to Millennia/Smartbuy.

I am saying on the behalf of what he actually got, not on imaginary offers that are only for display and for spends you get nothing

 

[Centurion_wala]

Did you receive the remaining 2.5%?

No, I did not.

Also, I mailed HDFC and they said that the transaction was eligible only for 5% cashback.
So, For Clarification:
There is a high chance you might get only 5%+5% instead of 5%+5%+2.5%.
Make your transactions keeping in mind the 10% calculation to avoid being stuck with insufficient balance for redemption.

 

[aniketkr.sharma]

No, I did not.

Also, I mailed HDFC and they said that the transaction was eligible only for 5% cashback.
So, For Clarification:
There is a high chance you might get only 5%+5% instead of 5%+5%+2.5%.
Make your transactions keeping in mind the 10% calculation to avoid being stuck with insufficient balance for redemption.

Right and also I think 3-4% charge on giftcards are ruining the cashback to 6-7%

 

[Jay Kapoor]

No, I did not.

Also, I mailed HDFC and they said that the transaction was eligible only for 5% cashback.
So, For Clarification:
There is a high chance you might get only 5%+5% instead of 5%+5%+2.5%.
Make your transactions keeping in mind the 10% calculation to avoid being stuck with insufficient balance for redemption.

Thanks for the reply. In this case I will not try to buy GV and continue with my 2.5% CC Bill payment.

 

[GTSaketh]

Did you guys get RP this month? I haven't gotten mine yet

 

[Sriim]

Did you guys get RP this month? I haven't gotten mine yet

There are still 19 days in the month

 

[350modena]

Did you guys get RP this month? I haven't gotten mine yet

Not me either. Waiting.

 

[arpit10082]

I am not receiving points on wallet reload since 2 month

 

[aniketkr.sharma]

I am not receiving points on wallet reload since 2 month

I received last month

 

[arpit10082]

I received last month

I received only 100 points

 

[vine]

Is there anyway to pay extra on any credit card to reach ₹16k target cc bill on Millenia DC 🙃.
I heard that with BBPS even if we pay extra it gets reversed to source!!

 

[Sriim]

Is there anyway to pay extra on any credit card to reach ₹16k target cc bill on Millenia DC 🙃.
I heard that with BBPS even if we pay extra it gets reversed to source!!

The trick might be helpful for DCs which show CB within a week, as you'll have time to hit the capping if it doesn't work. Would be a bad idea for Millenia, as you'll get to know the CB only after 90 days and can't do anything if CB is not posted.

 

[vine]

The trick might be helpful for DCs which show CB within a week, as you'll have time to hit the capping if it doesn't work. Would be a bad idea for Millenia, as you'll get to know the CB only after 90 days and can't do anything if CB is not posted.

Any solution to this?
(I got a refund & it missed the 16k threshold by ₹700).
..wait,
I need to pay 2 wheeler insurance, if we pay online in insurance website or Apay site , is counted in Millenia DC 16k threshold?

 

[Sriim]

Any solution to this?
(I got a refund & it missed the 16k threshold by ₹700).

Which month was this? If it's the current month, You can add 1750(2000 if you want to be safe) to Amazon wallet and transfer back to your bank or use it wherever you use UPI

..wait,
I need to pay 2 wheeler insurance, if we pay online in insurance website or Apay site , is counted in Millenia DC 16k threshold?

No idea

 

[cool_jazz]

Hdfc Milliena DC Promotional Cashback Of Sept24 150 Rs Credited Today

 

[350modena]

Hdfc Milliena DC Promotional Cashback Of Sept24 150 Rs Credited Today

Would the ₹400 CB of sept month also already be credited (still awaiting mine!)

 

[cool_jazz]

Would the ₹400 CB of sept month also already be credited (still awaiting mine!)

Nope, still pending

 

[350modena]

Nope, still pending

Good to know! I'm new to millenia DC and i still haven't figured out the cycle! So whether transaction is done 1 sept or 30 sept, the CB comes at the same time and if in the month full 400 is earned it's given in 90 days in a single shot?

 

[cool_jazz]

Good to know! I'm new to millenia DC and i still haven't figured out the cycle! So whether transaction is done 1 sept or 30 sept, the CB comes at the same time and if in the month full 400 is earned it's given in 90 days in a single shot?

Yes in single shot.
And you can withdraw minimum and maximum only 400 .