HDFC GYFTR is a total mess

144°
Deal Newbie
Saccha-Baccha

On the Smartbuy GYFTR portal, it shows that any other credit or debit card will get 5% cashback but shows 0 in the points sections

image


---

In Payzapp's GYFTR section, it shows 5% for CC & 3% for DC

WhatsAppImage2024-04-22at06.03.59

---

HDFC DC mentions 5% Cashback on Payzapp/Smartbuy as a benefit

image

HDFC CC does not mention 5% Cashback on Payzapp/Smartbuy as a benefit

image

---

So I've some questions:

  1. For Millennia CC, is the GYFTR cashback a hidden benefit?
  2. For Millennia DC, is the GYFTR cashback a hidden benefit & cashback is actually 5% (hidden) + 5% (feature) OR only 5% (feature)?
  3. For Millennia CC, does the Rs. 1000 limit mentioned for the 10 brands include GYFTR cashback or not?
  4. For Millennia DC, does the Rs. 400 limit mentioned for cashback in features include GYFTR cashback or not?
  5. If I do the transactions (Rs. 40,000) below in a month via Millennia CC, how much cashback would I get on the card?
  6. If I do the transactions (Rs. 40,000) below in a month via Millennia DC, how much cashback would I get on the card?
Rs. 20,000 - Directly on Amazon
Rs. 20,000 - Amazon Shopping Voucher via GYFTR

On top of this, HDFC's idiocy of crediting the cashback months later & without a per transaction breakup also ruins the whole experience. This is total s**t which could have been simpler.

Top Comments
Deal Lieutenant Deal Lieutenant
Link Copied

If you can't understand one thing that does not means it's a mess.
For gyftr portal you get 5% cashback for CC txn that is credited directly to the CC Statement, no points is credited for them.
For Payzapp app it is also same for CC.

For DC, if you buy using gyftr portal 5% cashback is credited as points, if you buy using payzapp app it is credited as 3% payzapp cashpoints (payzapp wallet).

HDFC DC mentions 5% Cashback on Payzapp/Smartbuy as a benefit.
This benefit is exclusively for Millenia Debit only. that is you get 5+5% cashback if bought using gyftr portal.


HDFC CC does not mention 5% Cashback on Payzapp/Smartbuy as a benefit.
Yeah it doesn't mention because it is not a card related features, all HDFC Cards are eligible for 5% cb.


Answer to last questions.

For Millenia DC, you get 5+5% if bought using gyftr and 5+3% if using payzapp app.
For Millenia CC, you get 5% direct cb + 1% card benefits. This limit is different from 1000 limit of 10 brands which gives 5%


  1. If I do the transactions (Rs. 40,000) below in a month via Millennia CC, how much cashback would I get on the card?
    Rs. 20,000 - Directly on Amazon, Rs. 20,000 - Amazon Shopping Voucher via GYFTR

    You will get 5% that is 1000 for amazon txn, 5% that is 1000 for asv via gyftr + 1% that is 200 for using millenia cc on gyftr, that totals to 2200Rs.

    For above same scenario you will get 1400 cb if used via millenia dc and gyftr portal.



    And at last if any company is giving any cashback then it can not be hidden
15 Comments  |  
7 Dimers
  • Sort By
Deal Lieutenant Deal Lieutenant
Link Copied

If you can't understand one thing that does not means it's a mess.
For gyftr portal you get 5% cashback for CC txn that is credited directly to the CC Statement, no points is credited for them.
For Payzapp app it is also same for CC.

For DC, if you buy using gyftr portal 5% cashback is credited as points, if you buy using payzapp app it is credited as 3% payzapp cashpoints (payzapp wallet).

HDFC DC mentions 5% Cashback on Payzapp/Smartbuy as a benefit.
This benefit is exclusively for Millenia Debit only. that is you get 5+5% cashback if bought using gyftr portal.


HDFC CC does not mention 5% Cashback on Payzapp/Smartbuy as a benefit.
Yeah it doesn't mention because it is not a card related features, all HDFC Cards are eligible for 5% cb.


Answer to last questions.

For Millenia DC, you get 5+5% if bought using gyftr and 5+3% if using payzapp app.
For Millenia CC, you get 5% direct cb + 1% card benefits. This limit is different from 1000 limit of 10 brands which gives 5%


  1. If I do the transactions (Rs. 40,000) below in a month via Millennia CC, how much cashback would I get on the card?
    Rs. 20,000 - Directly on Amazon, Rs. 20,000 - Amazon Shopping Voucher via GYFTR

    You will get 5% that is 1000 for amazon txn, 5% that is 1000 for asv via gyftr + 1% that is 200 for using millenia cc on gyftr, that totals to 2200Rs.

    For above same scenario you will get 1400 cb if used via millenia dc and gyftr portal.



    And at last if any company is giving any cashback then it can not be hidden
Deal Subedar Deal Subedar
Link Copied

nice explanation

View 10 more replies
Deal Subedar Deal Subedar
Link Copied

.

Deal Cadet Deal Cadet
Link Copied

For millennia debit card in a calendar month, by wallet loading of 40k,  we get 400 reward point. Additionally we can get rs 1000 cashback by purchasing 20k Amazon gv or Flipkart gv from smartbuy portal. Am I correct?

Flame Flame
Link Copied

Millenia is now only giving 2.5% cashback

replyuser
Click here to reply
Reply