PhonePe Wallet load through HDFC Millennia DC

[bran_the_shipwright]

If you don't know what you are doing, I'd recommend to stay away from payzapp wallet load. Other wallets are fine, though. Since payzapp is by HDFC, it is easy to track money rotation. There is a high probability that your HDFC bank account may be frozen temporarily and you may have to explain what you did.

It is easy to misunderstand what other people have written here and does things differently than the intended purpose. Be safe and stay away from Payzapp for wallet load, unless you are going to use it mainly for Scan&Pay in shops.

if I transfer 5k everyday for 8 days to Amazon wallet using millenia dc and then transfer 5k back to hdfc account using wallet upi will either Amazon or hdfc flag my account? Basically same 5k is being rotated. I guess I could pay cc bills but I am in the process of getting sbi v dc

More worried about Amazon as I use lot of gift vouchers.

 

[AlgoTrader]

if I transfer 5k everyday for 8 days to Amazon wallet using millenia dc and then transfer 5k back to hdfc account using wallet upi will either Amazon or hdfc flag my account? Basically same 5k is being rotated. I guess I could pay cc bills but I am in the process of getting sbi v dc

More worried about Amazon as I use lot of gift vouchers.

it is highly risky as it creates a pattern

 

[bran_the_shipwright]

it is highly risky as it creates a pattern

What should I do? Transfer into a relatives account?

 

[Raman143]

Payzapp, amazon, phone pe, airtel

but I heard that adding money in Amazon wallet is not giving cb because of mcc change. is that true?

 

[JSK111]

but I heard that adding money in Amazon wallet is not giving cb because of mcc change. is that true?

Yes didn't receive any cashback on it.

 

[GTSaketh]

If you buy from amazon regularly, you may buy AGV/ASV to get over 6% return using millennia dc.

Where do I buy AGV for 6% cashback with millennia DC?

 

[JSK111]

There are two things here. Cashback on Wallet load using dc and cc. Using cc there is no cashback but Millennia dc still gives cashback.

 

[kvndsz512]

so amazon wallet load still giving cb for millenia dc ? and any extra charges for loading?

 

[JSK111]

so amazon wallet load still giving cb for millenia dc ? and any extra charges for loading?

No extra charges via dc loading.

 

[Milan]

How to get kotak 811 Super Debit card 5% cashback?

 

[Mr. BeanMr. Bean is verified member.]

Where do I buy AGV for 6% cashback with millennia DC?

Basically, buy from https://www.gyftr.com/instantvouchers/

Please see the following two threads for more info...

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

Aug 13, 2023

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.

...

• D₹V
• credit debit card hdfc debit card millenia debit card millennia rewards smartbuy
• Replies: 1,765
• Forum: Debit Card

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

Jun 21, 2024

Edit: The extra 2.5% on Sbuy not coming these days as confirmed by many. SO now it is 5% + 5% but Millennia CC still has 5%+1%..

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...

• desiviru
• amazon card debit card hdfc hdfc debit card hdfc millennia
• Replies: 498
• Forum: Debit Card

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[praful47]

Phonepe wallet credit card load charges ?

 

[Raman143]

Yes didn't receive any cashback on it.

I mean those 400 reward points

 

[bran_the_shipwright]

I’m not able to load more than 1k on Amazon wallet thru millenia dc lol. It says txn declined. Reason technical failure

 

[JSK111]

I mean those 400 reward points

Yes for millenia no for esp platinum.