How many Cashpoints will be earned if a cardholder spends through SmartBuy/ Payzapp?
A cardholder will earn 1% CashPoints on transactions made via SmartBuy/PayZapp, including purchases from the 10 online merchants eligible for cashback. Any other offers available through SmartBuy/PayZapp will follow the respective SmartBuy/PayZapp Terms & Conditions.
Transactions via SmartBuy Portal
| Category (via SmartBuy) | Cashback rate | Max cashback per month |
|---|---|---|
| Flipkart, Amazon (via SmartBuy) | 5% (as CashPoints) | Rs. 1,000 |
| Other Online Transactions via SmartBuy | 1% (as CashPoints) | Rs. 750 |
Calculation
5% of ₹10,000 spent on Amazon with SmartBuy equals 500 CashPoints.
Spend ₹5,000 using SmartBuy for additional online purchases → 1% = 50 CashPoints
550 cash points were earned in total.
PayZapp transactions
No Additional Cashback: PayZapp transactions do not result in 5% cashback.
With normal online purchases, they will only be eligible for 1% cashback.
When you spend through SmartBuy or PayZapp using your HDFC Millennia Credit Card, you typically earn 2x CashPoints for every ₹150 spent. These points add up faster compared to regular spends, so using these platforms is a good way to boost your rewards. Just make sure the transaction is eligible and falls under the offer terms to get the extra points.