HDFC Bank SmartBuy Credit Card Offers June 2024 Update

Launched in 2015, HDFC Bank SmartBuy is the bank’s proprietary aggregator portal where you’ll find all the deals and offers the bank currently offers on its various credit and debit cards under one roof. It saves you from the hassle of visiting every merchant’s website individually to find the deals they offer with HDFC cards.

Apart from the deals and offers from third-party merchants on the HDFC Bank SmartBuy portal, what attracts most HDFC credit card customers is SmartBuy’s 10X Rewards Program. This program offers an opportunity to earn up to 10x Rewards/10% Cashback.

HDFC Bank SmartBuy Offer June 2024 Update

Jockey is once again one of the 10X Rewards and Cashback partners on the SmartBuy platform. It was recently removed but has now been added back.

In June, several sales are ongoing on Myntra and Nykaa, offering an opportunity to earn up to 90% off.

May 2024 Update

Great news! HDFC Bank SmartBuy now includes PharmEasy, where customers can avail of 10% reward points and 10% cashback on this brand. Don’t miss out on this fantastic offer.

March 2024 Update

Myntra has now been added to the list of partners available with HDFC SmartBuy. Customers can now purchase Myntra gift vouchers and save on their shopping experience.

February 2024 Update

Holiday packages booked with SmartBuy now earn 5X Reward Points/Cashback for HDFC Bank customers. This offer is brought in association with MakeMyTrip.

Get 5X reward points or 5% cashback when you shop on the MMT Holiday Packages website or M-lite via the HDFC SmartBuy platform. This offer is not valid for HDFC Corporate Credit Cards.

Reward Rate on SmartBuy for HDFC Credit Cards

The reward rate on the various HDFC Credit Cards on Smart Buy as applicable w.e.f. 1st June 2024 is as per the following table-

Category	Infinia	BizBlack Metal, Diners Black Metal, & Diners Black Card	BizPower, Regalia & Diners Privilege Credit Cards	Other HDFC Credit Cards (Cashback)
IGP.com	10x RPs	10x RPs	10x RPs	10%
Flights	5x RPs	5x RPs	5x RPs	5%
PharmEasy	10x RPs	10x RPs	10x RPs	10%
Myntra	5x RPs	5x RPs	5x RPs	5%
Jockey	10x RPs	10x RPs	10x RPs	10%
Hotels (MakeMyTrip & Cleartrip)	10x RPs	10x RPs	10x RPs	5%
RedBus	5x RPs	5x RPs	5x RPs	5%
IRCTC	3x RPs	3x RPs	3x RPs	5%
Instant Vouchers	5x RPs	3x RPs	5x RPs	5%
Apple Imagine	5x RPs	3x RPs	5x RPs	5%
Zoom Car	5x RPs	5x RPs	5x RPs	5%
Nykaa	5x RPs	5x RPs	5x RPs	5%
MMT Holiday Packages	5x RPs	5x RPs	5x RPs	5%

Reward Points or Cashback is posted within 90 days from the transaction month’s last date.

Maximum Cap for Various HDFC Credit Cards on SmartBuy

HDFC Bank Credit Cards	Max Cap Per Month	Max Cap Per Day
Infinia	15,000	15,000
BizBlack Metal Edition & Diners Black	7,500	2,500
Diners Black Metal Edition	10,000	10,000
BizPower, Regalia, Diners Privilege	4,000	2,000
Tata Neu (NeuCoins)	1,000	1,000
Other Credit Cards (Cashback)	1,000	1,000

HDFC SmartBuy offer for HDFC Infinia/Diners Black/Regalia/Diners Privilege Credit Cards

The Infinia and the Diners Black credit cards earn you 5 Reward Points for every Rs. 150, while HDFC Diners Club Privilege/Regalia credit cards earn 4 Reward Points per Rs. 150 spent on all regular purchases. You get bonus Reward Points (due to the accelerated rate of earning RPs) each time you use your Infinia/Diners Black/Regalia/Diners Privilege card for hotel reservations, booking flight/bus/train tickets, shopping from Flipkart, and for purchasing Instant Vouchers (these are gift vouchers redeemable on online stores and offline retail outlets) via the HDFC Bank SmartBuy portal.

Using HDFC Credit Cards on SmartBuy for Maximum Benefit

Now, to get the most out of your credit card, i.e., to earn the maximum number of bonus Reward Points possible, you must spend a certain minimum amount in a given month with it—these minimums differ depending upon what category of expenditure they fall under.

Using HDFC Infinia Credit Card on SmartBuy

For the Infinia Card, you may refer to the following table to get an idea of how much you need to spend in a month/day to get the maximum benefit:

Spends Category	Accelerated Rate of Earning Reward Points	Minimum monthly spends required for maximum benefit (Infinia Credit Card)	Minimum daily spends required for maximum benefit (Infinia Credit Card)
Flights	5x	Rs. 1,12,500	Rs. 56,250
Hotels	10x	Rs. 50,100	Rs. 25,050
Bus	5x	Rs. 1,12,500	Rs. 56,250
Rail	3x	Rs. 2,25,000	Rs. 1,12,500
Instant Vouchers	5x	Rs. 1,12,500	Rs. 56,250
Apple Store	5x	Rs. 1,12,500	Rs. 56,250

A similar calculation can also be done for other HDFC credit cards that earn accelerated Reward Points on SmartBuy:

Using HDFC Bank Diners Club Black Credit Card on Smart Buy

To make the most of your HDFC Bank Diners Club Black Credit Card on SmartBuy, you must spend a certain minimum amount with your card as per the following table-

Spends Category	Accelerated Rate of Earning Reward Points	Minimum Monthly spends required for maximum benefit (Diners Club Black Credit Card)	Minimum Daily spending required for maximum benefit (Diners Club Black Credit Card)
Flights	5x	Rs. 56,250	Rs. 18,750
Hotels	10x	Rs. 25,050	Rs. 8,350
Bus	5x	Rs. 56,250	Rs. 18,750
Rail	3x	Rs. 1,12,500	Rs. 37,500
Instant Vouchers	3x	Rs. 1,12,500	Rs. 37,500
Apple Store	3x	Rs. 1,12,500	Rs. 37,500

Using HDFC Regalia/Diners Club Privilege Credit Cards on SmartBuy

To earn maximum Reward Points on your HDFC Regalia or Diners Club Privilege credit cards, you must spend a certain minimum amount with the card as per the following table-

Spends Category	Accelerated Rate of Earning Reward Points	Minimum monthly spends required for maximum benefit (Regalia/Diners Privilege Credit Cards)	Minimum daily spends required for maximum benefit (Regalia/Diners Privilege Credit Cards
Flights	5x	Rs. 37,500	Rs. 18,750
Hotels	10x	Rs. 16,800	Rs. 8,400
Bus	5x	Rs. 37,500	Rs. 18,750
Rail	3x	Rs. 75,000	Rs. 25,000
Instant Vouchers	5x	Rs. 37,500	Rs. 18,750
Apple Store	5x	Rs. 37,500	Rs. 18,750

Cashback on All Other Credit Cards

As far as all other credit and debit cards are concerned, you get a cashback of 5% on hotel reservations, flight/bus/rail ticket bookings, and Instant Vouchers, while shopping on Jockey and Pharmeasy will offer a cashback of 10%. A max capping of Rs. 1,000 is applicable on the cashback earned in a given month.

Spends Catagory	Cashback
Flights	5%
Hotels	5%
Bus	5%
Rail	5%
Instant Vouchers	5%

It is worth noting that the cashback and the Reward Points earned on these credit/debit cards are calculated for a given calendar month (not on a per billing cycle basis). Another point you must remember is that you don’t get any cashback with the Infinia and the Diners Black credit cards that earn you accelerated Reward Points.

Minimum Spends Required for Maximum Benefit

As mentioned earlier, only a maximum of Rs. 1,000 can be earned as cashback on other HDFC credit cards at a 5% rate, while there is no daily max capping on the cashback that can be earned in a given day. So, to earn the maximum cashback in a month (i.e., Rs. 1,000), you must spend a minimum of Rs. 20,000 in that month with your card.

How to Avail of These SmartBuy Offers?

Flights

– Via Cleartrip, Goibibo, Yatra, and EaseMyTrip

• Go to the Flight booking section of the SmartBuy Portal.
• Select the origin and destination airports.
• Compare the prices of the different flights and choose your desired flight.
• Complect the selection and checkout with your HDFC credit/debit card

Bus

-Via RedBus

• Go to the bus booking section on the SmartBuy portal.
• Compare the timings and the prices of all the available options.
• Checkout using your HDFC credit/debit card.

Rail 

• Go to the rail booking section of the Smart Buy Portal.
• Select your train, and enter your IRCTC username and password.
• Complete your booking and use your HDFC credit/debit card to make the payment.

Hotels

– Via Cleartrip, Yatra, MakeMyTrip

• Go to the hotel reservation section on the SmartBuy portal.
• Choose your destination and compare the prices of different hotels.
• Checkout using your HDFC credit/debit card and complete the payment.

Instant Vouchers

• Select the Instant Vouchers option on the Smart Buy website/app.
• You’ll see a list of vouchers from different brands. Choose your desired voucher.
• Proceed to the payment page and complete the payment using your HDFC credit/debit card.

Apple Imagine | Tresor

• Select the Apple Imagine| Tresor option on the Smart Buy Website. You will be redirected to the Apple Website.
• Add the item(s) to the cart that you would like to purchase
• Checkout using the HDFC Bank debit/ credit cards.

To earn cashback and reward points, visit the Apple Website via the Smart Buy portal.

IGP.com

• Go to the IGP option on the SmartBuy portal
• Select the item(s) you want to purchase and add them to your cart.
• Checkout using HDFC Bank debit/credit cards.

Nykaa

• Go to the HDFC Bank SmartBuy Nykaa tab under Shop,
• Select the product of your choice and checkout,
• Use your HDFC Bank Credit Card to avail of the offer.

Zoomcar

• Visit the HDFC Bank SmartBuy Zoomcar tab,
• Make your purchase and proceed to checkout,
• Avail the offer with your HDFC Bank Credit Card.

Pharmeasy

• Select Shop,
• Then select Pharmeasy,
• Once redirected to the platform, shop to earn 10% RPs/Cashback.

Jockey

• On the SmartBuy portal,
• Go to Shop,
• Then select Jockey,
• Once redirected, you can shop from the brand and earn accelerated rewards.

Myntra

• Under Shop,
• Select Myntra and start purchasing to earn extra reward points/cashback.

How to Track Your Reward Points?

HDFC Bank has recently improved how customers can track their bonus Reward Points. Earlier, no system was in place to track the Reward Points, and the points earned were posted randomly after three months; now, for every transaction eligible for bonus Reward Points, an SMS confirmation is sent to the cardholder’s mobile number. Furthermore, these bonus Reward Points are posted at each month’s end. The bank also added an option in the credit card statement that displays what bonus points were earned last month, giving customers more control over their accounts!

The following SMS is sent at the end of each month about the Reward Points earned in that month:

“2000 bonus Reward Points credited to your HDFC Bank Credit Card ending XXX on 31/JAN/2024 for SmartBuy Jan 24.”

The Reward Points earned are displayed in the card’s statement, as shown in the image below:

HDFC’s Reward Point tracking system still needs improvement. It would be even better if HDFC displayed each transaction’s bonus Reward Points.

Bottom Line

HDFC’s SmartBuy 10X rewards program used to be even more rewarding until a couple of years ago; it is still one of the most attractive reward programs in the Indian credit card market. The maximum cap on Reward Points used to be 25,000 points on Infinia and 15,000 points on the Diners Black credit card per calendar month, and you could earn a maximum cashback of Rs. 2,000 on all other credit and debit cards. The maximum cashback has now been capped at Rs. 1,000, except for Regalia and Diners Privilege credit cards, which now earn accelerated Reward Points on SmartBuy.

Anyway, without a second thought, at least as far as the credit card market is concerned, HDFC continues to be the leader, and rightly so. Despite the devaluations and reward cuts by almost all the card issuers (including HDFC), they continue to offer some of the most rewarding cards, particularly in the premium category.

FAQs

1. How do you check HDFC Smartbuy points?
You can check your HDFC SmartBuy points by logging in to your SmartBuy account using the mobile number registered with your HDFC Credit Card.

2. How do I redeem my HDFC SmartBuy voucher?
The gift vouchers through HDFC SmartBuy can be redeemed on the brands’ official websites/apps. The voucher is mainly in the form of a code that you can enter at the time of payment to the respective merchant, and the eligible discount/cashback will be provided to you.

3. Do I earn bonus Reward Points on EMI transactions?
Yes, you earn bonus Reward Points on EMI transactions under this offer. The bonus Reward Points or cashback are calculated based on the EMI amount levied for that given month.

4. What is the maximum cashback I can get on other credit/debit cards (except Infinia, Diners Black, Diners Privilege, and Regalia cards)?
All other credit cards allow a maximum cashback of Rs. 1,000 monthly.

5. Is this offer applicable to all HDFC credit/debit cards?
Certain credit/debit cards, including Corporate credit cards, Commercial credit cards, Dealer credit cards, distributor credit cards, Virtual cards, and Times Points debit cards, are excluded from the offer.