First statement of Millennia credit card received. Need help to understand RP calculation

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Deal Lieutenant
Chikky

I received my first statement of HDFC Millennia credit card.
My spends were as below

  • Simpl Repayment 1830
  • Mobkwik Wallet load 2000
  • Smartbuy 10000
  • Amazon 680
  • Credpay 9025
  • Nobroker 6060

Reward points summary is as below

  • 5% CashBack on Select erchants-MILL – 34 (For amazon shopping of 680)
  • 1% CashBack on other Spends-MILL – 254
  • 5% CB for PayZapp SmarBuy Oct21 – 500 (For SB txn of 10000)

I can correlate the transactions for 5% cashback but 1% cashback calculation is not matching with my spends.
I think I have not received any points for wallet load and Simpl repayment. Still if I exclude those txns, 1% should be 256 and not 254 (even with rounding down the nos.)

Also as per the cashback structure shown on https://www.hdfcbank.com/personal/pay/cards/mil... , I should have received 1% cashback on wallet loads.

Can any expert here decode this and help me understand how they calculate the reward points so that I (and other novices like me) can use this card for better benefits in future?

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Deal Lieutenant Deal Lieutenant
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Total Cashback Rcvd ?

Deal Lieutenant Deal Lieutenant
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sauravDD wrote:

Total Cashback Rcvd ?

789 Reward points.
1 Rp for “SMS1Dineout promo”. I am not sure what this is.

Deal Newbie Deal Newbie
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Being a millennia credit and debit card user from 2 years..I can tell you only one thing.. don’t think too much about hdfc reward points/Cashback ..just take it whatever they give to you..

Even if they give incorrect reward points/Cashback ..you can’t do anything other than wasting your time.. PEACE..✌️

Deal Cadet Deal Cadet
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Tekk wrote:
Being a millennia credit and debit card user from 2 years..I can tell you only one thing.. don’t think too much about hdfc reward points/Cashback ..just take it whatever they give to you..

Even if they give incorrect reward points/Cashback ..you can’t do anything other than wasting your time.. PEACE..✌️

Yes i am also millennia card holder from Last 2 years and never received the reward points as per transactions. Always received mess of Reward points and take whatever comes without hesitation

Deal Subedar Deal Subedar
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Tekk wrote:
Being a millennia credit and debit card user from 2 years..I can tell you only one thing.. don’t think too much about hdfc reward points/Cashback ..just take it whatever they give to you..

Even if they give incorrect reward points/Cashback ..you can’t do anything other than wasting your time.. PEACE..✌️

Millennia better or regalia business? Assuming both are LTF…..

Deal Lieutenant Deal Lieutenant
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Tekk wrote:
Being a millennia credit and debit card user from 2 years..I can tell you only one thing.. don’t think too much about hdfc reward points/Cashback ..just take it whatever they give to you..

Even if they give incorrect reward points/Cashback ..you can’t do anything other than wasting your time.. PEACE..✌️

Maybe I cannot do anything for incorrect reward points but with the awareness about which txn gives rp/cb and which does not (like wallet reloads and txn on Simpl in my case), I can use my different credit cards in better way grinning

Deal Cadet Deal Cadet
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Points cycle and statement cycle are different. Assuming this statement was generated in November, points credited would be for transactions made during Oct 1-31. This may not sync with the statement cycle, so you’ll have to compare the transactions accordingly.

Deal Lieutenant Deal Lieutenant
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mango-man wrote:

Points cycle and statement cycle are different. Assuming this statement was generated in November, points credited would be for transactions made during Oct 1-31. This may not sync with the statement cycle, so you’ll have to compare the transactions accordingly.

I don’t think so. My all 1% cashback transactions are done after 1 Nov only.

Deal Newbie Deal Newbie
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myfungang829 wrote:

Millennia better or regalia business? Assuming both are LTF…..

Millinea is better ..if your usage is online…

Deal Newbie Deal Newbie
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Tekk wrote:

Millinea is better ..if your usage is online…

Agree but smartbuy rewards cap is Rs. 1000 in millenia but Rs. 2000 in regalia. And regalia will put you one step closer to infinia upgrade, if you are interested. Other than that no big differences.

Deal Cadet Deal Cadet
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Chikky wrote:

I don’t think so. My all 1% cashback transactions are done after 1 Nov only.

Maybe things changed after the devaluation last month, but that had been the case before.

Deal Cadet Deal Cadet
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I guess, no RP was earned against “wallet loading” (Mobikwik).
That solves your riddle.

Deal Lieutenant Deal Lieutenant
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HiDEaL wrote:

I guess, no RP was earned against “wallet loading” (Mobikwik).
That solves your riddle.

I think I didn’t get RP for wallet loading and transaction on Simpl

Deal Newbie Deal Newbie
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Tekk wrote:
Being a millennia credit and debit card user from 2 years..I can tell you only one thing.. don’t think too much about hdfc reward points/Cashback ..just take it whatever they give to you..

Even if they give incorrect reward points/Cashback ..you can’t do anything other than wasting your time.. PEACE..✌️

The saying “karm karte jao phal ki chinta” mat karo suits HDFC best stuck_out_tongue. (Translation: Do your karma and don’t think about the results).

Deal Subedar Deal Subedar
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Tekk wrote:
Being a millennia credit and debit card user from 2 years..I can tell you only one thing.. don’t think too much about hdfc reward points/Cashback ..just take it whatever they give to you..

Even if they give incorrect reward points/Cashback ..you can’t do anything other than wasting your time.. PEACE..✌️

Amen to that brother

Keep whatever they give and move on

Deal Subedar Deal Subedar
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prem4998 wrote:

Agree but smartbuy rewards cap is Rs. 1000 in millenia but Rs. 2000 in regalia. And regalia will put you one step closer to infinia upgrade, if you are interested. Other than that no big differences.

Mill to Infinia upgrade also happens

And Regalia is a pos card now , cant match millennia in any ways except for priority pass and extra 1k SB

Millennia is now the king of credit cards for Mid tier and low tier segment

Deal Subedar Deal Subedar
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SastaRaju wrote:

Millennia is now the king of credit cards for Mid tier and low tier segment

Still can’t match Ace 😇

Deal Cadet Deal Cadet
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SastaRaju wrote:

Millennia is now the king of credit cards for Mid tier and low tier segment

Why do you say that? It’s pretty much useless after the devaluation.

Post Emperor Post Emperor
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Hey I am first time hdfc credit card user.
I also received my first statment.
After that I paid my partial bill amount from mobiwick.
But I can’t see if that 3500 is settled or not in hdfc NetBanking.
Or how much is remaining

Deal Lieutenant Deal Lieutenant
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sanketpero wrote:

Hey I am first time hdfc credit card user.
I also received my first statment.
After that I paid my partial bill amount from mobiwick.
But I can’t see if that 3500 is settled or not in hdfc NetBanking.
Or how much is remaining

Did you get “Your credit card bill has now been paid” message from mobikwik?
It may take 1-2 days to reflect the payment in your card.

Post Emperor Post Emperor
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Chikky wrote:

Did you get “Your credit card bill has now been paid” message from mobikwik?
It may take 1-2 days to reflect the payment in your card.

Yes got that from mobiwick

Deal Subedar Deal Subedar
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mine 1st statement also got generated.. but there are no reward points mentioned

Deal Lieutenant Deal Lieutenant
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akki.akki wrote:

mine 1st statement also got generated.. but there are no reward points mentioned

What transactions did you make?

Deal Subedar Deal Subedar
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Chikky wrote:

What transactions did you make?

Rs 500+ offline transaction in a fashion store

Missing