MasterCard Millennia Debit Card Rewards.

[newUser]

My hdfc MasterCard Millennia Debit Card Reward Points is showing -0.02 points. What is that means and how is it -0.02 ?
and how can i earn Reward Points by using MasterCard Millennia Debit Card and from where Step by Step specially on Credit Card Payments.

 

[Shikha Tilak]

My hdfc MasterCard Millennia Debit Card Reward Points is showing -0.02 points. What is that means and how is it -0.02 ?
and how can i earn Reward Points by using MasterCard Millennia Debit Card and from where Step by Step specially on Credit Card Payments.

Understanding -0.02 Reward Points on HDFC MasterCard Millennia Debit Card





A negative reward points balance, like -0.02 points, usually means:


1. Points Reversal - If you previously earned points on a transaction but later reversed/refunded it, the points may be deducted.


2. System Adjustment - Sometimes, HDFC makes adjustments due to system errors, expired points, or incorrect crediting.


3. Rounding Issues - Some transactions may involve fractional points, leading to a small negative balance.

Since the value is very small (-0.02), it is likely a rounding error or a minor adjustment. You dont need to worry unless it significantly affects your rewards.


How to Earn Reward Points with HDFC MasterCard Millennia Debit Card


You can earn reward points based on your spending categories. Below is a step-by-step guide, especially focusing on earning points from credit card payments.





Step 1: Know the Eligible Transactions for Reward Points

HDFC Millennia Debit Card offers cashback (credited as points) on:


1. Online Spends (Amazon, Flipkart, Swiggy, Zomato, etc.) - 5% cashback


2. Wallet Reloads & Utility Bill Payments - 2.5% cashback


3. POS (Offline Transactions) - 1% cashback


4. Credit Card Payments & Rent Payments DO NOT Earn Reward Points

Most banks, including HDFC, do not offer reward points for credit card bill payments or rent payments via debit card.


Step 2: Maximize Reward Points on Credit Card Payments (Indirect Methods)

Since direct credit card bill payments dont earn points, try these alternative ways:


1. Use Wallets to Pay Credit Card Bills


2. Load money into Amazon Pay, Paytm, or Mobikwik using your Millennia Debit Card (earns 2.5% cashback).


3. Then use the wallet to pay your credit card bill.


4. Use Third-Party Apps for Bill Payments


5. Some platforms like CRED, Paytm, and Mobikwik allow you to pay credit card bills and earn rewards.


6. Check if they allow payments through the Millennia Debit Card and give cashback.


7. Buy Gift Cards & Pay Credit Card Bills


8. Purchase Amazon or Flipkart Gift Cards (5% cashback on online purchases).


9. Use the gift card balance to buy a wallet top-up or utility bill, freeing cash for credit card payments.


Step 3: Track & Redeem Your Reward Points


1) Check Reward Points:

2)Log in to HDFC Net Banking > Debit Card >Enquire > Cashback Summary.

3)You can also use the HDFC Mobile Banking App.

4)Redeem Points for Cashback:


. Once you have 200 cashback points (rs 200 cashback), HDFC automatically credits it to your account.

Final Tips to Maximize Rewards

. Always use your Millennia Debit Card for online shopping, wallets, and bill payments.

.Avoid using it for rent and credit card payments directly.

 

[hitirfan]

It was giving 2.5% cashback on CC bill payment on Canara Setu, but I don't know if it works anymore.

 

[Shikha Tilak]

It was giving 2.5% cashback on CC bill payment on Canara Setu, but I don't know if it works anymore.

As of March 2025, HDFC Bank’s official policy states that credit card bill payments made through their debit cards do not earn cashback points. However, some users have reported receiving cashback by paying credit card bills via the Canara Setu platform using their HDFC Millennia Debit Card. This method has been discussed in various online forums and social media platforms.

Understanding the Current Scenario:


. Official Stance: HDFC Bank explicitly mentions that transactions related to credit card payments are excluded from earning cashback points.Â


.User Experiences: Despite the official policy, users have shared experiences suggesting that using the Canara Setu platform to pay credit card bills with the HDFC Millennia Debit Card has resulted in cashback. For instance, a user on Twitter mentioned:

“Apply HDFC Millennia Debit Card - Get 2.5% cashback upto 400 per month on CC bill pay via Canara Setu website.”

Considerations:

1. Inconsistency: The discrepancy between the official policy and user experiences indicates that this method might not be consistently reliable.

2. Risk of Policy Enforcement: Relying on unofficial methods could lead to potential issues if the bank decides to enforce its stated policies strictly.


3. Alternative Methods: Given the uncertainty, exploring other avenues to earn rewards on credit card bill payments might be prudent.
Recommendations:


.Verify Current Policies: Before attempting any such transactions, it is advisable to confirm the latest terms and conditions directly with HDFC Bank or through official communications.


.Explore Alternative Platforms: Some platforms or apps might offer rewards or cashback on credit card bill payments. Researching and using such platforms could provide more reliable benefits.

.Stay Informed: Regularly monitor updates from both HDFC Bank and platforms like Canara Setu to be aware of any changes in policies or user experiences.


In conclusion, while some users have reported earning cashback by paying credit card bills through Canara Setu using the HDFC Millennia Debit Card, this method contradicts HDFC Bank’sofficial cashback policy. Proceed with caution and consider alternative methods to earn rewards on such transactions.

 

[dearrangaji]

Understanding -0.02 Reward Points on HDFC MasterCard Millennia Debit Card





A negative reward points balance, like -0.02 points, usually means:


1. Points Reversal - If you previously earned points on a transaction but later reversed/refunded it, the points may be deducted.


2. System Adjustment - Sometimes, HDFC makes adjustments due to system errors, expired points, or incorrect crediting.


3. Rounding Issues - Some transactions may involve fractional points, leading to a small negative balance.

Since the value is very small (-0.02), it is likely a rounding error or a minor adjustment. You dont need to worry unless it significantly affects your rewards.


How to Earn Reward Points with HDFC MasterCard Millennia Debit Card


You can earn reward points based on your spending categories. Below is a step-by-step guide, especially focusing on earning points from credit card payments.





Step 1: Know the Eligible Transactions for Reward Points

HDFC Millennia Debit Card offers cashback (credited as points) on:


1. Online Spends (Amazon, Flipkart, Swiggy, Zomato, etc.) - 5% cashback


2. Wallet Reloads & Utility Bill Payments - 2.5% cashback


3. POS (Offline Transactions) - 1% cashback


4. Credit Card Payments & Rent Payments DO NOT Earn Reward Points

Most banks, including HDFC, do not offer reward points for credit card bill payments or rent payments via debit card.


Step 2: Maximize Reward Points on Credit Card Payments (Indirect Methods)

Since direct credit card bill payments dont earn points, try these alternative ways:


1. Use Wallets to Pay Credit Card Bills


2. Load money into Amazon Pay, Paytm, or Mobikwik using your Millennia Debit Card (earns 2.5% cashback).


3. Then use the wallet to pay your credit card bill.


4. Use Third-Party Apps for Bill Payments


5. Some platforms like CRED, Paytm, and Mobikwik allow you to pay credit card bills and earn rewards.


6. Check if they allow payments through the Millennia Debit Card and give cashback.


7. Buy Gift Cards & Pay Credit Card Bills


8. Purchase Amazon or Flipkart Gift Cards (5% cashback on online purchases).


9. Use the gift card balance to buy a wallet top-up or utility bill, freeing cash for credit card payments.


Step 3: Track & Redeem Your Reward Points


1) Check Reward Points:

2)Log in to HDFC Net Banking > Debit Card >Enquire > Cashback Summary.

3)You can also use the HDFC Mobile Banking App.

4)Redeem Points for Cashback:


. Once you have 200 cashback points (rs 200 cashback), HDFC automatically credits it to your account.

Final Tips to Maximize Rewards

. Always use your Millennia Debit Card for online shopping, wallets, and bill payments.

.Avoid using it for rent and credit card payments directly.

wallet reload pr 2.5% milta h ya 1% and kya mobikwik wallet se creit card ka bill pay kr skte h...?

 

[doctoramar]

wallet reload pr 2.5% milta h ya 1% and kya mobikwik wallet se creit card ka bill pay kr skte h...?

Afaik 1% max 400