5% CashBack on 10 Online Merchants – Terms & Conditions
• 10 online merchants qualifying for 5% CashBack are Amazon, BookMyShow, Cult.fit, Flipkart, Myntra,
Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato
• CashPoints are an exclusive Rewards metric system created for our Credit Cardholders. CashPoints can
be utilized towards CashBack redemption against the statement at the rate of 1 CashPoint = ₹1 for
Millennia Credit Card Holders.
• The CashPoints will be posted on calendar month basis, the transaction settled in the system between
1
st
to 30/31
st
of the calendar month will be posted in the 1
st
week of the subsequent calendar month.
• The transaction settled from the merchant will be eligible for Cashpoints and settlement/Posting date
of the transaction will be considered for points calculation.
• The Cardholder can earn up to 1,000 CashPoints under the 5% CashBack on 10 online merchants in a
calendar month.
• CashBack of 5% on 10 merchants are calculated basis the Terminal / merchant IDs (TIDs & MIDs) shared
by the respective merchant partners. If in case the TID / MID is not available in the set-up, such
transactions will not qualify for the benefit.
• CashPoints earned will be computed based on spends during the calendar month period minus any
returns or refunds during the same period.
• Incase the purchase/transaction is returned/cancelled/reversed post calendar month completion.
Then the equivalent CashPoints will be reversed/adjusted under the 5% CashPoints category.
• CashPoints shall not be eligible for the following spends on the card, o Fuel Spends o Rent payments
and Govt Related transactions o Cash Advances o Payment of Outstanding Balances o Payment of card
fees and other charges o Smart EMI / Dial an EMI transaction
• Spends beyond the capping of 1,000 shall not be considered for CashPoints posting.
• A cardholder will be eligible for 1% CashPoints as per product feature if he/she does a transaction
through SmartBuy/PayZapp which includes transaction from 10 online merchants also. All other
existing SmartBuy/PayZapp offers will be applicable as per SmartBuy/PayZapp Terms & Conditions.
• A cardholder will be eligible for 1% CashPoints on prepaid card/gift Card/ wallet load and / or voucher
purchases. All the transactions carried out through the Merchant Category Code (MCC) of 6540 (as
defined by card networks Visa, MasterCard, RuPay and Diners) will be considered under 1% CashPoints
even if it is from the 10 online merchants.
• The 5% CashPoints on Uber is eligible for travel/commute related spends. The Uber transactions carried
out through the MCC code of 4121 (as defined by card networks Visa, MasterCard, RuPay and Diners)
will only be considered for 5% CashPoints.