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I have not received Smartbuy Cashback.

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Achal

Achal

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Hello Everyone,
I am having HDFC Millennia Credit Card.
On 31st March, I spent ₹15k on Amazon through Smartbuy. On 1st of April, I again spent ₹900 on Amazon through Smartbuy.

I have received the 5% cashback for the 1st April transaction but not for the 31st March.

When I checked the merchant name in my SMS, I saw that for the 31st March (₹15k) transaction merchant name is AMAZON and for 1st April it is AMAZSMARTBUY.

Is it because of the merchant name that I have not received the cashback?
If so, what can I do now?
 
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Achal said:
Hello Everyone,
I am having HDFC Millennia Credit Card.
On 31st March, I spent ₹15k on Amazon through Smartbuy. On 1st of April, I again spent ₹900 on Amazon through Smartbuy.

I have received the 5% cashback for the 1st April transaction but not for the 31st March.

When I checked the merchant name in my SMS, I saw that for the 31st March (₹15k) transaction merchant name is AMAZON and for 1st April it is AMAZSMARTBUY.

Is it because of the merchant name that I have not received the cashback?
If so, what can I do now?
Click to expand...
The probable reason is (as per the merchant name you stated) the transaction done on 31st March, was not tracked somehow.
 
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For smartbuy cashback, you need to go to amazon or whatever site from the affiliate link on the smartbuy page.
One you go the page, you hold something called a session which is tracked by smartbuy. If you do the purchase within that session, it gets counted by smartbuy --> smartbuy gets their commission from amazon --> You get your cashback from smartbuy.

The problem is if in anyway that session is broken. Maybe you were in the amazon page for too long; Maybe u had another tab with amazon open already; Maybe something changed on ur internet connection before u went to payment page etc.
For any of these or maybe other options, your session can break and a new session gets created for which smartbuy wont get a comission and you wont get ur cashback.

The easiest way to track this is before paying the CC bill on the OTP screen, make sure the vendor you see is AMAZSMARTBUY. Otherwise, you wont get ur cashback.

PS: Be happy you can track it this way for Smartbuy transactions BEFORE making the payment. For axis grabdeals transactions which work in a similar way, you wont know until 3-4 days later when they send u a sms stating whether the transaction was captured or not.
Also, for ur case specifically, your session clearly broke in between. Smartbuy wont get their commision for ur 15k purchase which means they wont give ur cashback either. Peace.
 
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cherryj1988 said:
For smartbuy cashback, you need to go to amazon or whatever site from the affiliate link on the smartbuy page.
One you go the page, you hold something called a session which is tracked by smartbuy. If you do the purchase within that session, it gets counted by smartbuy --> smartbuy gets their commission from amazon --> You get your cashback from smartbuy.

The problem is if in anyway that session is broken. Maybe you were in the amazon page for too long; Maybe u had another tab with amazon open already; Maybe something changed on ur internet connection before u went to payment page etc.
For any of these or maybe other options, your session can break and a new session gets created for which smartbuy wont get a comission and you wont get ur cashback.

The easiest way to track this is before paying the CC bill on the OTP screen, make sure the vendor you see is AMAZSMARTBUY. Otherwise, you wont get ur cashback.

PS: Be happy you can track it this way for Smartbuy transactions BEFORE making the payment. For axis grabdeals transactions which work in a similar way, you wont know until 3-4 days later when they send u a sms stating whether the transaction was captured or not.
Also, for ur case specifically, your session clearly broke in between. Smartbuy wont get their commision for ur 15k purchase which means they wont give ur cashback either. Peace.
Click to expand...
Hey, thanks for so much information. Appreciated 👍
Just want to know what other vendor names are associated with Smartbuy for different sites that we need to verify before the payment. Like it's AMAZSMARTBUY for Amazon. For Flipkart and others?
 
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Achal said:
Hey, thanks for so much information. Appreciated 👍
Just want to know what other vendor names are associated with Smartbuy for different sites that we need to verify before the payment. Like it's AMAZSMARTBUY for Amazon. For Flipkart and others?
Click to expand...
Good question actually but i've not used smartbuy with anything else. So dont really have the answer for that but im assuming it has smartbuy somewhere in the name. Cant guarentee though , maybe someone else who's used can confirm
 
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Don't worry, since the txn is not settled in same month, you will get cashback bit late. Wait for around 1month, you will get the Cashback for sure since the merchant name has Smartbuy.

PS: I was in same exact situation in Jan 2022
 
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Achal said:
Yes, but if the merchant shown was AMAZSMARTBUY then I would get 5% from millennia and 5% from smartbuy, that makes it 10%
But now I will get only 5% from millennia
Click to expand...
No. We will not get 10% cashback according to the revamped rewards structure of HDFC Millennia CC. Have a look at this:


On the 2nd page of the doc, its clearly mentioned that any smartbuy spend(including the 10 preferred merchants) will give only 1% cashpoint on the transaction value. So net reward rate on Amazon spends through Smartbuy will be 5%+1%=6% and NOT 10%

Do NOT use your Millennia card on Flipkart through Smartbuy. The reward rate will only be 1%+1%=2%. Better to spend your card directly on Flipkart, which will give 5% cashpoints.

UPDATE: I tried to verify the value back we get by ordering through Smartbuy and Millennia on Amazon. Though it is written in TnC of Millennia CC that we get 6% value back(5% cashback+1% cashpoints) by paying for Amazon on Smartbuy Platform, I actually got 10% value back(5% cashback+5% cashpoints) on this type of transaction. I don't know whether it is a loophole, waiting to be fixed by HDFC, or it is intentional.
 
Last edited:
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mukundstud said:
No. We will not get 10% cashback according to the revamped rewards structure of HDFC Millennia CC. Have a look at this:


On the 2nd page of the doc, its clearly mentioned that any smartbuy spend(including the 10 preferred merchants) will give only 1% cashpoint on the transaction value. So net reward rate on Amazon spends through Smartbuy will be 5%+1%=6% and NOT 10%

Do NOT use your Millennia card on Flipkart through Smartbuy. The reward rate will only be 1%+1%=2%. Better to spend your card directly on Flipkart, which will give 5% cashpoints.
Click to expand...
Are you talking about this point?

"A cardholder will be eligible for 1% CashPoints as per product feature if he/she does a transaction through SmartBuy/PayZapp which includes transaction from 10 online merchants also. All other existing SmartBuy/PayZapp offers will be applicable as per SmartBuy/PayZapp Terms & Conditions"

I think this is wrong as I have already received 5% cashback from smartbuy for my ₹900 transaction on April 1st. The other 5% from millennia i will get when my cc bill is generated

I am pretty sure 5%+5% is still there in millennia if done through smartbuy
 
Last edited:
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Achal said:
Are you talking about this point?

"A cardholder will be eligible for 1% CashPoints as per product feature if he/she does a transaction through SmartBuy/PayZapp which includes transaction from 10 online merchants also. All other existing SmartBuy/PayZapp offers will be applicable as per SmartBuy/PayZapp Terms & Conditions"

I think this is wrong as I have already received 5% cashback from smartbuy for my ₹900 transaction on April 1st. The other 5% from millennia i will get when my cc bill is generated

I am pretty sure 5%+5% is still there in millennia if done through smartbuy
Click to expand...
I have done a transaction on Amazon through smartbuy this month. I will confirm this next month, after I get cashback and cash points.
 
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mukundstud said:
I have done a transaction on Amazon through smartbuy this month. I will confirm this next month, after I get cashback and cash points.
Click to expand...
What was the merchant name while entering the OTP. If you did not notice it, you can check your SMS. Was it AMAZON or AMAZSMARTBUY?

If you don't have the SMS, check here

MyCards

Description
mycards.hdfcbank.com mycards.hdfcbank.com
Is it showing as 'Amazon' or 'Amazon via Smartbuy'
 
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