amazon gift card using HDFC millennia credit card

why so complex buy directly from amazon..u get 5%cb

maddydilip wrote:

why so complex buy directly from amazon..u get 5%cb

For HDFC millennia, Gifts cards also included in 5%?

nouserrname wrote:
For HDFC millennia, Gifts cards also included in 5%?

yes everything,..even bill payment,add money.

maddydilip wrote:
yes everything,..even bill payment,add money.

What is max cap for cashback?

nouserrname wrote:
What is max cap for cashback?

1000/month

https://www.hdfcbank.com/content/api/contentstr...?

maddydilip wrote:
1000/month

Ok so through smartbuy need to navigate to amazon and purchase gift card. Right?

nouserrname wrote:
Ok so through smartbuy need to navigate to amazon and purchase gift card. Right?

no directly buy from amazon..no smartbuy navigation needed...Through smartbuy u will get 1% cb only.

maddydilip wrote:

no directly buy from amazon..no smartbuy navigation needed...Through smartbuy u will get 1% cb only.

Ho great didn't know this. Thanks for providing info.

maddydilip wrote:
yes everything,..even bill payment,add money.

In the t&c gift cards and wallet loads considered as 1% only


CashBack valid only for non-emi spends in the 10 online merchants. EMI spends & Wallet loads through the merchants will be considered under 1% CashBack category. ** EMI and Wallet, Gift or Prepaid Card loads & Voucher Purchase transactions will be considered in other spends category. 

nouserrname wrote:
In the t&c gift cards and wallet loads considered as 1% only


CashBack valid only for non-emi spends in the 10 online merchants. EMI spends & Wallet loads through the merchants will be considered under 1% CashBack category. ** EMI and Wallet, Gift or Prepaid Card loads & Voucher Purchase transactions will be considered in other spends category. 

Whenever u buy gift card in amazon it considers just as normal purchase and it gives 5% cashback 

nouserrname wrote:
In the t&c gift cards and wallet loads considered as 1% only


CashBack valid only for non-emi spends in the 10 online merchants. EMI spends & Wallet loads through the merchants will be considered under 1% CashBack category. ** EMI and Wallet, Gift or Prepaid Card loads & Voucher Purchase transactions will be considered in other spends category. 

Emi spends not eligible... Wallet load through Uber get you 5%..gift cards I get 5% cb everytime.. 

Does by doing bill payments n Amazon Pay,Millenia CC offer 5% cashback?

vicky191in310 wrote:

Does by doing bill payments n Amazon Pay,Millenia CC offer 5% cashback?

Yes u will get 5% cashback even for bill payments

maddydilip wrote:

Emi spends not eligible... Wallet load through Uber get you 5%..gift cards I get 5% cb everytime.. 

Just for trying i added 350 to apay using uber app But didn’t receive any cashback in the statement When do we get points?

Kim_Jong_jun wrote:
Just for trying i added 350 to apay using uber app But didn’t receive any cashback in the statement When do we get points?

Kim, wait until November 2nd for points.

maddydilip wrote:

no directly buy from amazon..no smartbuy navigation needed...Through smartbuy u will get 1% cb only.

VU++
I have been buying gift cards/Payzapp for cashback every month. This will save me a lot of time.

what does this mean in Tnc "• Spends beyond the capping of 1,000 shall not be considered for CashPoints posting."

Cashback is capped at 1000 / month for each category, that is 5% cb category and 1% cb category

Pplegend wrote:

Whenever u buy gift card in amazon it considers just as normal purchase and it gives 5% cashback 

Is this applicable on millenia cc or dc?

buttman wrote:

Is this applicable on millenia cc or dc?

It's for credit card 

maddydilip wrote:

Emi spends not eligible... Wallet load through Uber get you 5%..gift cards I get 5% cb everytime.. 

This cashback is in form of reward points.... Right ?

myfungang829 wrote:
This cashback is in form of reward points.... Right ?

Yes

So currently, for Amazon all of the following accrue 5% cashpoints? Please confirm...

1. aPay balance load (through 3rd party like uber)
2. aPay gift card (direct from amazon site)
3. aPay bill payments (any type of bill)
4. Regular amazon shopping (any item)

Max total spends for 5% = 20,000/month and max 5% cashpoints = 1000/month (total for 5% partners)

For smartbuy, there is separate quota of 1000/month credited directly to statement and max amazon gv=10,000. Also 1% as cashpoints (this has a separate quota of 1000/month), so effective discount = approx 6%

Calculation:

Price of GV=100+Fees=101.47 (face value=100)

Cashback=5.07(smartbuy)+1.01(1%)=6.08

Net CB%=(6.08/101.47) * 100 = 5.9 %

Agnivo007 wrote:

So currently, for Amazon all of the following accrue 5% cashpoints? Please confirm...

1. aPay balance load (through 3rd party like uber)
2. aPay gift card (direct from amazon site)
3. aPay bill payments (any type of bill)
4. Regular amazon shopping (any item)

Max total spends for 5% = 20,000/month and max 5% cashpoints = 1000/month (total for 5% partners)

For smartbuy, there is separate quota of 1000/month credited directly to statement and max amazon gv=10,000. Also 1% as cashpoints (this has a separate quota of 1000/month), so effective discount = approx 6%

Calculation:

Price of GV=100+Fees=101.47 (face value=100)

Cashback=5.07(smartbuy)+1.01(1%)=6.08

Net CB%=(6.08/101.47) * 100 = 5.9 %

Smartbuy calculation is correct. Point no. 1, 2 & 3 are currently loopholes & are sure to be closed in future.

maddydilip wrote:

why so complex buy directly from amazon..u get 5%cb

Are you sure ? I saw some dd threads mentioning gift card not applicable for 5%

Johnny_Depp wrote:
Are you sure ? I saw some dd threads mentioning gift card not applicable for 5%

That's for icici Amazon CC.

guest_999 wrote:
Smartbuy calculation is correct. Point no. 1, 2 & 3 are currently loopholes & are sure to be closed in future.

So better to go with smartbuy as we don't know when these loopholes will be rectified in thier system

The main problem with HDFC millennia cc is, it's very hard to calculate the CB received and corelate with the txns. So if any loophole is closed, to realize that it will take months. Also not to mention the time wasted in keeping on calculating the points and txns.

If this was 10% it was worth the effort, like it was happening last year. It was 10% for amazon gv via smartbuy. Currently millennia 5% should be used only if no other similar options are there for one.

Seinfeld wrote:

The main problem with HDFC millennia cc is, it's very hard to calculate the CB received and corelate with the txns. So if any loophole is closed, to realize that it will take months. Also not to mention the time wasted in keeping on calculating the points and txns.

If this was 10% it was worth the effort, like it was happening last year. It was 10% for amazon gv via smartbuy. Currently millennia 5% should be used only if no other similar options are there for one.

Why "months"? Points get credited after month end every month so maximum 30 days.