hdfc Smartbuy query

139°
Finance Ninja
Tanmayyy

So I’m new to hdfc ccs. Recently got a millenia cc(the new variant) and I’m confused about the reward rate and limit on it.
So i get that i can get 5% smartbuy cashback and 1% cashpoints on buying amazon gv from gyftr through Smartbuy.
It says that we can earn on 1000 cashpoints every month through the millenia cc.
Does that 1000 count smartbuy cashback as well? If i buy 30k amazon gv from smartbuy will i get 300 cashpoints + 1500 Smartbuy cashback or a total of 1000 including cashpoints and Smartbuy cashback.

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Deal Lieutenant Deal Lieutenant
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You can’t buy more than 10k amazon gv per month from smartbuy
Also be careful while using cc on smartbuy
Use only one smartbuy account otherwise transaction failure issue

Finance Ninja Finance Ninja
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I can’t buy more than 10k?

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Deal Lieutenant Deal Lieutenant
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You can calculate on smartbuy gyftr amazon gv page also

Finance Ninja Finance Ninja
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To keep it simple, you’ll get 5% cashback for smartbuy transactions and 1% card points for buying Amazon vouchers from smartbuy. Effectively 6% valueback. 5% smartbuy cashback credited directly to statement but 1% will be credited as card points. Max 1000 smartbuy cashback can be earned in a calendar month.
Cashpoints are different from smartbuy cashback. You get 5% on specific categories mentioned and 1% on all other. Smartbuy is up and above the card points.
For your last point, you cannot buy 30k Amazon vouchers in a single month . Max capping is 10k. However let’s assume you bought 30k vouchers totally, your cashback will be as follows – 1000 smartbuy cashback (max capping reached) & 300 card points.

Finance Ninja Finance Ninja
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Thanks , i bought 5k gv last month when will i get my cashback. (I wasn’t registered on smartbuy when i made the purchase but i bought through Smartbuy only , will i get cashback?)

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Helpful Helpful
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Did you get the RuPay variant?

Finance Ninja Finance Ninja
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Visa one

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