kohinoor
TF Buzz
So it isn't recommended right? Which wallet and card combo should I use for future payments?
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HDFC User - Best Debit Card for 2025 | Which Debit Card to Apply in February 2025 | Discussion
- Thread starter Abhishek012
- Start date
Arkapal Sen
TF Legend
who asked u to load wallet via cc??its costly..
kohinoor
TF Buzz
Oh my I mixed it up. Yes so if I do it via millenia debit card on Mobikwik/Amazon, there will no extra charges right (irrespective of amount)?
Arkapal Sen
TF Legend
u urself ask for debit card in thread..now mising with millenia cc..alag legend ho vai tum
kohinoor
TF Buzz
Nahi nahi bhai millenia debit card ka hi puchna hai. Amazon pay CC aise hi reference ke liye bataya tha. Millenia DC se mobikwik/amazon wallet load krne par to koi charges nahi?
Arkapal Sen
TF Legend
dc se no charges dabake wallet load maro
surojitlaha
TF Premier
Amazon/payzapp wallet load via dc is free.
Mobiquik load via dc is free upto 5k per month.
If you choose Millennia DC, my recommendation would be to utilize all three options to get reward points (with a cap of 400 points)...
At some point, 2.5% via Canara Setu will go away in the future. So, please do not depend on it entirely.
Also, smartbuy provides additional rewards in the name of promotional reward points (5%). So, it's actually 10%. 5% as regular reward points (with a cap of 400 per month). Another 5% as promotional reward points (with a higher cap, 2k, I think). Be warned about the hefty fee by smartbuy (nearly 4%). Even after a hefty fee, you'll end up with 6% discount on Amazon / Flipkart Vouchers.
Promotional points have an additional advantage... you can redeem as low as 1 reward point (equal to Rs.1).
For regular rewards, you can redeem only in multiples of 400.
If you don't understand any of the above points, please just re-read it multiple times. It just takes time to sink-in at times.
- 1% for wallet load.
- 2.5% for (utility) bill payment (aka Canara Setu hack)
- 5% via smartbuy when you buy vouchers from Amazon / Flipkart, etc.
At some point, 2.5% via Canara Setu will go away in the future. So, please do not depend on it entirely.
Also, smartbuy provides additional rewards in the name of promotional reward points (5%). So, it's actually 10%. 5% as regular reward points (with a cap of 400 per month). Another 5% as promotional reward points (with a higher cap, 2k, I think). Be warned about the hefty fee by smartbuy (nearly 4%). Even after a hefty fee, you'll end up with 6% discount on Amazon / Flipkart Vouchers.
Promotional points have an additional advantage... you can redeem as low as 1 reward point (equal to Rs.1).
For regular rewards, you can redeem only in multiples of 400.
If you don't understand any of the above points, please just re-read it multiple times. It just takes time to sink-in at times.
kohinoor
TF Buzz
Oh thanks for the info. Although I just checked and payzapp doesn't give the option to load wallet except through upi to me
kohinoor
TF Buzz
Yep it seems complicated. But isn't the wallet load method the easiest to reach the cap of 400? There are no extra charges involved as well.
I just need to recheck for the promotional rewards thing and when can one get them
You are right. It is the easiest way.
There are other ways to earn promotional rewards as well. For example, if you never used SmartPay, for automatic payments, then you are eligible for 5% caseback up to Rs.150 for the first 12 months, if and only if you choose Millennia DC as the payment option. So, if you have a bill of 3k, you can put it under SmartPay for 12 months. CC bill is eligible too (at least for now).
Sobirvs
TF Ace
and to redeem those cashpoints as afaik it doesnt come to ur acc, u have to redeem, there is a fee 99 gst right?
kohinoor
TF Buzz
Ah didn't know about SmartPay at all before and seems like it's def worth checking out. One can opt out from it later right?(like after 12 months when there are no rewards as such)
Also, thanks a lot for guiding bro. Helped me in making my decision easier
(Side question - is the eazyshop platinum dc better than millenia dc in any aspects except lounge access?)
kohinoor
TF Buzz
Same query; also whether they can be redeemed directly as cash 400 Rs for 400 RP? Or is it in the form of vouchers?
We've to redeem the points manually through net/mobile banking
"No redemption fee"
Afaik, the redemption fee is for millennia credit card not dc
kohinoor
TF Buzz
Can it be redeemed directly converting points to cash?
Yes 1:1 .
AlgoTrader
TF Legend
it is time for me to switch from easyshop platinum to millenia, but any idea how to do it?
kohinoor
TF Buzz
Go to cards section> debit card> upgrade. Most probably you'll see 3 options- platinum DC, millenia DC and business DC.
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