Disclosed are systems and methods for intelligent, real-time network consumption tracking and traffic steering in fifth-generation (5G) networks via a network configuration and implementation. The disclosed hybrid network traffic steering is effectuated by using Diameter Routing Agent (DRA) and Subscriber Location Function (SLF) to route/steer fourth-generation (4G) network traffic by 5G subscribers to a 5G Charging Function (CHF) for 4G fallback network consumptions. Network currency consumption tracking is performed by the 5G CHF. The CHF dictates policy rules for 5G networks via the Policy Control Function (PCF) of the 5G Core, and dictates policy rules for 4G networks via the Policy and Charging Rules Functions (PCRF) for fallback sessions.