Hdfc credit card spend based query

Any idea dimers

Retail spending is goods – products that can be purchased. Paying bills etc also comes under retail spends as ultimately you’re spending. But if they find a way to check if you’re paying bill of cc itself, then it won’t be considered.

From HDFC website, I found this statement in one of t&c:
The spend milestone program is valid for retail transactions only. Cash transactions, Cash-on-Call, Balance Transfer, Standing Instruction, Personal Loan on credit card are not
considered as spends.
src: https://v1.hdfcbank.com/assets/pdf/FAQ-on-Vouch...

If you’ve paid cc bill through mk before, one good idea would be to check under which category it fell. If your bank statement doesn’t show that info, contact cc, they’ll be able to tell.
I hope this helps.

Thanks

n i can also using smartbuy+amazon combination for lic bill payment,right