CashPoints Eligibility on HDFC Millennia Credit Cards

Credit Cards HDFC
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1

As a Cardholder I am not getting Cashpoints on all spends, why so?

2

No Cashback or CashPoints on:

  • Fuel spends
  • Rent payments and Government-related transactions
  • Cash advances
  • Payment of outstanding balances
  • Payment of card fees and other charges
  • EMI transactions

Monthly CashPoints Cap:

  • If a cardholder exceeds the 1,000 CashPoints cap in a month, no further CashPoints will be rewarded for the remaining spends in that month.

Effective from 1st January 2023:

Rent payments and Government-related transactions will not earn CashPoints or cashback.

3

If you’re not receiving CashPoints on all your spends with the HDFC Millennia Credit Card, it could be due to the following reasons:

1. Transactions that are not eligible for cashback

  • Wallet reloads
  • Rent payments
  • EMI transactions
  • Government-related payments

2. Minimum Transaction Value for Cashback Eligibility

  • 5% cashback (Amazon, Flipkart, Swiggy, Zomato, etc.) → Requires a minimum transaction of ₹2,000.
  • If a transaction is below ₹2,000, you won’t earn CashPoints.

3. Cashback Capping Limits

  • ₹1,000 per month cap on 5% cashback category.
  • ₹750 per month cap on 1% cashback category.
  • If you’ve already hit the cap, no further CashPoints will be credited.

4. Pending or Delayed Cashback Credit

  • CashPoints are typically credited within 90 days of the transaction date.
  • Check if your transactions are still under the processing period.