Why Didn’t I Receive 5% Cashback on 10 Online Merchants with HDFC Millennia Card?

Credit Cards HDFC
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Cardholder did a transaction in 10 online merchants and didn’t get cashback as per the 5% cashback feature?

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If a cardholder made a transaction with the 10 online merchants eligible for the 5% cashback feature and didn’t receive cashback, it could be due to the following reasons:

  1. Exceeded Monthly Cashback Cap: The ₹1,000/month cap on 5% cashback may have been reached for that month.
  2. Incorrect Transaction Category: The merchant or transaction type may not qualify for the 5% cashback category.
  3. Payment Mode: Cashback may not apply if the payment was made via EMI or wallet reloads.
  4. Eligibility Requirements: Ensure the merchant is part of the approved list for the 5% cashback category (check HDFC’s official terms).
  5. Delayed Posting: Cashback may take some time to reflect in the account after the transaction.

Check your transaction details and the terms, or contact HDFC customer support for clarification!

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Possible Reasons that you Didn’t Get 5% Cashback

:cross_mark: Merchant Category Issue – Certain payments (such as Amazon Pay balance loads and Swiggy Instamart) might not fall under the category of eligible transactions.
:cross_mark: Transaction Below ₹2,000 - Your transaction will not be eligible if it was less than ₹2,000.
The highest amount of cashback that can be earned in a given month is ₹1,000. You won’t receive 5% cashback on further transactions if you’ve already earned this.
:cross_mark: EMI Transaction Done via Third Party – Cashback might not be credited if you chose EMI through merchant EMI (not HDFC Bank EMI option).
:cross_mark: Card Payment via Wallets – You will not receive cashback if you paid with Paytm, PhonePe, or Amazon Pay wallet
:cross_mark: Transaction Type Excluded – No cashback on government payments, rent payments, insurance, wallet loading, or fuel.