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HDFC changed Smartbuy 5% cashback offer TnC

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Deal Lieutenant
1sardarKhan

HDFC Changed smartbuy 5% offer tnc for debit card holders.
Now you won't get 5% cashback for purchases made using payzapp app, instead of 5% promotional cashback, you will now be getting 3% instant cashpoints.

However if you use your HDFC debit card directly at smartbuy website you will get 5% cashback instead of pz cashpoints

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Deal Hunter Deal Hunter
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@1sardarKhan

So it's better to use smartbuy portal ? Uninstall payzapp. They are killing their own app.

5% millennia + 5% smartbuy

Or 5% millennia + 3% payzapp 

Am I Right?

Deal Lieutenant Deal Lieutenant
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@Watcher

Yes, app is just waste/dead now, earlier they allowed to pay cc bill using wallet bal, but now they don't allowing that too

Deal Lieutenant Deal Lieutenant
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How to buy Asv by Millennia credit card to maximize profit and what will i get?

Finance Ninja Finance Ninja
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First purchase Pineperks RuPay gift card on Amazon using 5% HDFC millennia credit card or 5% SBI cashback card - https://www.amazon.in/Pineperks-Rupay-Gift-Card...

Add maximum quantity, so your delivery charges will decrease.

Now use Pineperks RuPay gift card and purchase Amazon shopping voucher from Paytm and use 2.5% off coupon code.

Paytm will charge 0.5% only. So, you will get 2% extra off.
109 Comments  |  
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Deal Hunter Deal Hunter
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devaluation everywhere 😂

ASV & FK 13% patched now. 

Deal Lieutenant Deal Lieutenant
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It never worked actually, according to hdfc customer care, you won't get 5% promotional cashback on any spends from oct if you used payzapp app to purchase vouchers

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Hunk Hunk
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1 Cashpoint = how much real money?

Deal Lieutenant Deal Lieutenant
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1rs

Generous Generous
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Weren't we supposed to receive the 5%promotional cashback for October last month itself?

I haven't received

Btw previous transectionsdone by platinum means loss of 2% considering we already get 5% by apay card

Generous Generous
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So now,5%Smartbuy+5%millenia(upto 400) for millennia dc users

And just 5% Smartbuy for platinum dc users

Deal Lieutenant Deal Lieutenant
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Yes, if you use smartbuy website, that too needs to be checked once if working properly

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Deal Cadet Deal Cadet
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What about HDFC millennia credit card?

Deal Lieutenant Deal Lieutenant
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No effect on credit cards as of now

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Helpful Helpful
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@some1anywhere

Cb reduced 2 payzapp route

Savings Mentor Savings Mentor
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:( Oh

Deal Cadet Deal Cadet
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Recently got Az gv through Amazon app using millenia cc...got 5% cashback. 

Now if I buy through payzapp, how much will I get? And what are the chargers if any.  

Deal Lieutenant Deal Lieutenant
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3% proc on payzapp
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Deal Subedar Deal Subedar
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What is promotional cashback? There is also some other cashback? What's the difference?

Crusader Crusader
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1.I bought 8k ASV through payzapp on Jan 1st week using millennia dc..

2.And 12k ASV on Jan last week through payzapp using millennia dc..

So for the first transaction it's 8% returns

And for second transaction it's only 3% now right?

@1sardarKhan @1sardarKhan

Deal Lieutenant Deal Lieutenant
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How did you bought 20K asv in one month? You can only buy upto 10k per month

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Savings Mentor Savings Mentor
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Btw to anyone who knows, I have a question since I am new to Smartbuy and PayZapp overall. If I am maximizing the ₹400 cashback on Millennia DC (already getting ₹400 by spends elsewhere), do I get separate CB for using Millennia DC on SmartBuy?

Generous Generous
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Yes 5% Smartbuy cashback upto 1000

Generous Generous
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Hame bhi shock laga.. par kitne ka laga confusion hai..

1. Hdfc mill dc - bought 8k agv paid 3% extra charge got 3% cb point.. to yaha hame kya gain hoga? Normal 5% to koi wallet me add kar mil jata hai.. so i consider it loss of 2% if i count gv value on market..

2. Bought 10k agv with hdfc plat.  3 % diya..  3% mila.  Matlab 10000 money me 10k gv liya.. bad deal..yaha bhi 2% ka losss.. iske. Alwa aur kahi to aayega nahi cb right?

To picchle 3 month se loss ho raha matlab.. aaj pata chala

Deal Lieutenant Deal Lieutenant
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For millenia you will get 5% loyalty as well, so no loss no profit,

For platinum it's loss for you

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Deal Lieutenant Deal Lieutenant
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How to buy Asv by Millennia credit card to maximize profit and what will i get?

Finance Ninja Finance Ninja
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First purchase Pineperks RuPay gift card on Amazon using 5% HDFC millennia credit card or 5% SBI cashback card - https://www.amazon.in/Pineperks-Rupay-Gift-Card...

Add maximum quantity, so your delivery charges will decrease.

Now use Pineperks RuPay gift card and purchase Amazon shopping voucher from Paytm and use 2.5% off coupon code.

Paytm will charge 0.5% only. So, you will get 2% extra off.
View 12 more replies
Deal Captain Deal Captain
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joy joy joy
Deal Newbie Deal Newbie
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I wish to open hdfc savings account suggest which debit card is best for cashback on gv and cc bill payment 

Deal Lieutenant Deal Lieutenant
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if biller available on hdfc bill pay portal and monthly bill more than 40K then platinum, else millenia
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Helpful Helpful
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loss of rs1850

interesting part is they still show 5% profit in Payzapp app while buying any GV with Other CC/DC.

Critic Critic
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Millenia cc se Apay gv Max. Kitne % pr purchase kr skte?

Deal Cadet Deal Cadet
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I hve hdfc women debit card. It don't give 0.50% on any payments of cheq, park+, paytm etc. It's useless debit card

Finance Mentor Finance Mentor
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Yes, it is, get a millennia upgrade...

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Finance Mentor Finance Mentor
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So using mill.dc, if I buy apay gv from smartbuy now on, 5+5-3(processing charges)=7% , that is get both promo and loyalty cashpoints, but pz only loyalty 5 and 3 pzpoints, which gets adjusted with processing charges?

I too haven't received promo cashpoints for sometime...  @1sardarKhan

Deal Lieutenant Deal Lieutenant
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Yes
Generous Generous
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You've written ulta, for cc it's 5% for dc it's 3%(thru pz). 

Gotit

Max for dc direct smartbuy purchase :5%

Max for dc pz shop purchase :3%

Generous Generous
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The biggest problem with millennia dc is 90 days wait period. After 90 days you'll find out that txn wasn't eligible for cashpoints and feel like a clown 

Deal Newbie Deal Newbie
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Is anyone able to use millennia credit card to buy Amazon voucher directly on Amazon ? I used mine last month to buy 32k voucher but getting “Can’t use this card for payment” this month. Help please
Deal Lieutenant Deal Lieutenant
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They have monthly,quarterly and yearly limits for buying gvs using cc,

If you are not able to buy more, you have exhausted the limit, now do not try to use that card in another account as they may block both the accounts then.

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Deal Newbie Deal Newbie
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Uninstalled. Like park×

Deal Cadet Deal Cadet
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That's why I was only getting card cashback for last 2 months. Payzapp ne watt laga diye

Finance Mentor Finance Mentor
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Huh... smartbuy hai na... shayad 3% extra ke liye raasta badal ki bohat ne, ab laut ke aayega... dhokha khaya hua badchalan ki tarah... (nothing personal)

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Deal Subedar Deal Subedar
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So payzapp is redundant?

Deal Newbie Deal Newbie
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will i get 5% cashback on millenia card if i buy gv on smartbuy using different account (other than the reg mob no with millenia card )

Deal Newbie Deal Newbie
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So say with Regalia or infinia/diners and so on , if one purchases instant voucher were there additional benefits of 5% if purchased via payzapp besides the 5x reward points? Or was it smartbuy - 5x and on payzapp - 5%. My dad purchases using smartbuy only. Wondering what is the best option for him 

Deal Cadet Deal Cadet
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Where we buy Amazon pay voucher where we get 5% cashback using SBI cc. I tried with yono SBI, it's not giving

Generous Generous
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Anyone received December month Smartbuy cashback (transection done from Payzapp) ?

Deal Subedar Deal Subedar
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Didn't payzapp stop cb from Nov?

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