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https://www.desidime.com/discussions/hdfc-millenia-debit-card?page=1#post_8056906
sauravDD
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I think you have asked too many points for single questions.
For Lounge access/Deatails check on Hdfc card benefits.
Now Monthly Debit Card Cashback
Max Cap of Rs 400 Irrespective of category you will get total 400 Cashback Only.
{If Wallet Load then 1%
If other shopping then 2.5%
If Smartbuy Received in OTP / statement then 5%)
Smartbuy You Can understand It like Affiliate (And It give 5% CB and in sale this time it was 10%) When You buy Instant Vouchers It comes under Smartbuy Where you get 5% Upto 1000
Example :
1. If You added 40000 To Paytm Wallet (You will get 400 Card Benefits ) + No Smartbuy Rewards
2. If You added 40000 To Paytm wallet (You will get 400 card benefit ) and In same month you purchased Amazon gv from Smartbuy Instant Voucher (Here you will get 5% Smartbuy Upto 1000 And No Millennia Card CB because limit reached of 400 )
3. If you Normal Txn on any merchant Worth of 10000 (You got 2.5% CB Means 250 Rs) And Added 20000 To Paytm Wallet (You will get 150 Cb because after 150 limit reached of 400)
4. In a month you only purchased gift card of 10000 (You will get 5% Card Benefit Of 400 { Limit Reached} + 5% means 500 Smartbuy CB (Smartbuy limit is 1000)
If any combination Left Let me know
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So in short 400 is card CB limit irrespective of what we do online shopping, wallet load, and will receive 5% instead of 2.5% (but max 400 CB limit) if shopped thru SB, SB 5% cap 1K pm normally and 10% occasionally.
