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Rent payment from HDFC CC will not earn reward points

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Got this sms from HDFC today:

Attention! There is a revision in the Schedule of Charges & Reward Points Program on your HDFC Bank Credit Card From: 1st Jan'23 Details: hdfcbk.io/a/VZAOx5x3

Click on link to see the restrictions on reward point earnings.

My main use of using HDFC diners black card was rent payment. It had 2 benefits: reward points and monthly 80k usage vouchers.

Now, there will not be any points for rent payment. Bye bye

Now looking for another card with similar reward for rent payment. Suggestions please.
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Deal Subedar Deal Subedar
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The practice of misusing card rewards for fabricated transactions regularly has become a habit like people crapping everyday - needs an end for the whole CC industry to sustain properly.

I think an industry wide revision and agreement among the issuers is needed ASAP to agree upon common rules and guidelines to stop this menace of new alternative professions arising out of this misuse like "professional money rotator".

All's well, keep going... I guess 95% CC based rent payments are fake or fabricated. All issuers should make it chargeable and no reward points should be awarded.

Many might not like my words, but for the greater good of the common majority of CC users, things are moving in the right direction.

Generous Generous
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SuperKnight wrote:

better move to SC ultimate / Magnus/ BoB Eterna/Amex Plat Travel ... RIP DINERS

I was thinking of start using Amazon pay again...
hardly any exclusions keep it simple.. 😄
Generous Generous
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Wow ...HDFC has gone 1 step further to SBI 

No Points for rent payment 

1% charge from 2nd rental payment of the month 

Plus additional markup fee of 1 % will be charged.(when foreign register company)

101 Comments  |  
53 Dimers
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Generous Generous
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Wow ...HDFC has gone 1 step further to SBI 

No Points for rent payment 

1% charge from 2nd rental payment of the month 

Plus additional markup fee of 1 % will be charged.(when foreign register company)

Deal Newbie Deal Newbie
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Sudarshan61 wrote:

I guess it will be for all HDFC cards...no more points for rent pay

Yes

Deal Cadet Deal Cadet
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better move to SC ultimate / Magnus/ BoB Eterna/Amex Plat Travel ... RIP DINERS

Deal Cadet Deal Cadet
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There is a revision in the Reward Points Program on your HDFC Bank Credit Card as below, w.e.f 1st January 2023:
1. On the HDFC Bank SmartBuy portal, the redemption of Reward Points for flights & hotel bookings will be capped at 75,000 Reward Points per calendar month.
2. Redemption of Reward Points against statement balance (CashBack redemption) will be capped at 50,000 Reward Points per calendar month w.e.f 1st February 2023.
3. Rent payments and government transactions will NOT earn Reward Points.
4. Reward Points earned on grocery transactions will be capped at 2000 Reward Points per calendar month.
Revision in the Fee structure w.e.f 1st January 2023:
1. For rent payments made through third-party merchants, a fee of 1% of the total transaction amount will be levied from the second rental transaction of the calendar month.
2. If you conduct a transaction (in-store or online) in Indian currency at an international location or with a merchant located in India but registered overseas, a dynamic & static conversion markup fee of 1% will be charged.
We assure you the best of our services always.
Warm Regards,
HDFC Bank

Helpful Helpful
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1% charge on google,microsoft,paypal and other int'l merchants even if the currency is rupee is daylight robbery 

Deal Cadet Deal Cadet
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I have HDFC Regalia and was using it as my primary card till now. Any suggestions now that this is as good as dead. 

Deal Cadet Deal Cadet
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DB here. I stopped using the DB after getting the SBI cashback card. Now I'm forced to use SBI only.
Generous Generous
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SuperKnight wrote:

better move to SC ultimate / Magnus/ BoB Eterna/Amex Plat Travel ... RIP DINERS

I was thinking of start using Amazon pay again...
hardly any exclusions keep it simple.. 😄
Deal Cadet Deal Cadet
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Just keeping regalia for the international lounge access through Priority pass

Deal Newbie Deal Newbie
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Please suggest any other CC that has good reward points for rent pay or atleast with no 1% transaction fee.

Generous Generous
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LordGane wrote:
DB here. I stopped using the DB after getting the SBI cashback card. Now I'm forced to use SBI only.

But SBI was step ahead to apply additional charges on rental..and not to forget card block tectics that they are following 

Deal Subedar Deal Subedar
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Anyone used payzapp rent giraffe recently? Is it still showing as insurance spends (points credit after 3-4 days) or as rental spends (points credit in first week of next month).

If it is still insurance, that will still give points.

Deal Subedar Deal Subedar
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Sudarshan61 wrote:
I was thinking of start using Amazon pay again...
hardly any exclusions keep it simple.. 😄

Icici also has rent transaction charges.

Deal Newbie Deal Newbie
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Knight11 wrote:

Anyone used payzapp rent giraffe recently? Is it still showing as insurance spends (points credit after 3-4 days) or as rental spends (points credit in first week of next month).

If it is still insurance, that will still give points.

Last CC statement (Nov 15th) it showed as Insurance spends. 

But they will close this loophole by Jan 1st for sure! 😂
Generous Generous
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rctek wrote:

I have HDFC Regalia and was using it as my primary card till now. Any suggestions now that this is as good as dead. 

Regalia died in the previous rounds of devaluations in 2021 joy 
Deal Cadet Deal Cadet
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So I guess the party is over then for rent based rotation for Rs. 60000.

There is also another point mentioned below "If you conduct a transaction (in-store or online) in Indian currency at an international location or with a merchant located in India but registered overseas, a dynamic & static conversion markup fee of 1% will be charged."

Not sure about the above mentioned merchant category. Any help fellow dimers?

Check your email for details and there is also a reward cap limit every month now.


Link updated - https://www.hdfcbank.com/personal/service-commu...
Deal Newbie Deal Newbie
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Plz suggest some good credit card for rent payment with no or minimal annual maintenance charges. If rent is considered as usage of the card, then suggest a card whwre spend based charges can be waived.

Deal Subedar Deal Subedar
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I was planning to upgrade to infinia..is it a wise decision?
Deal Subedar Deal Subedar
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pm007 wrote:
Last CC statement (Nov 15th) it showed as Insurance spends. 

But they will close this loophole by Jan 1st for sure! 😂

Let's hope for the best😅. MCC is decided by redgiraffe. But hdfc can still do something like they do with Paytm (irrespective of mcc, they consider all of them as wallet transaction).

Now, among my cards, I see Paytm Citi on Paytm (getting closed by March though) and AU zenith on payzapp redgiraffe as best option for net 0.7-0.8% profit.

Magnus is also there, if someone can reach 1L every month🤣.

Or use education payments as rent payments with sbi cashback card at portals where no proof is asked and get 3% profit.

Deal Cadet Deal Cadet
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Sudarshan61 wrote:

But SBI was step ahead to apply additional charges on rental..and not to forget card block tectics that they are following 

I have been using Redgirraffe through HDFC Payzapp but I'm not getting charged as of now. Yes, Blocking the card is pathetic.
Deal Subedar Deal Subedar
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SuperKnight wrote:

better move to SC ultimate / Magnus/ BoB Eterna/Amex Plat Travel ... RIP DINERS

eterna lol its killed massively
Deal Subedar Deal Subedar
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timelord wrote:

1% charge on google,microsoft,paypal and other int'l merchants even if the currency is rupee is daylight robbery 

whaat that too will be considered?
Deal Cadet Deal Cadet
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prem4998 wrote:
Regalia died in the previous rounds of devaluations in 2021 joy 

Any suggestions for replacement?

Deal Subedar Deal Subedar
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Knight11 wrote:

Anyone used payzapp rent giraffe recently? Is it still showing as insurance spends (points credit after 3-4 days) or as rental spends (points credit in first week of next month).

If it is still insurance, that will still give points.

killed its fixed in my todays statement
Deal Cadet Deal Cadet
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Sudarshan61 wrote:

Wow ...HDFC has gone 1 step further to SBI 

No Points for rent payment 

1% charge from 2nd rental payment of the month 

Plus additional markup fee of 1 % will be charged.(when foreign register company)

hdfc going to charge additional 1% while statment generation or while doing rent payment?

Generous Generous
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LordGane wrote:
I have been using Redgirraffe through HDFC Payzapp but I'm not getting charged as of now. Yes, Blocking the card is pathetic.

Try it on Gyftr ...almost everyone is reporting card getting blocked

Does SBI give cashback via PayZapp? how much

Generous Generous
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sathish_kumar wrote:

hdfc going to charge additional 1% while statment generation or while doing rent payment?

Statement generation just like SBI I believe. 
cant do while making payment
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