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. One can earn up to 10X rewards on your credit card when shopping with partner brands through the SmartBuy program.
Latest Updates – New Partners, Offers and More
May
HDFC SmartBuy has now added AbhiBus as its latest travel partner, allowing users to book bus tickets directly via the SmartBuy platform. With this addition, HDFC credit card users can earn up to 5X Reward Points or 5% cashback on eligible transactions, making bus bookings more rewarding than before.
Reward Rate on SmartBuy for HDFC Credit Cards
The reward rate on the various HDFC Credit Cards on Smart Buy is applicable 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% |
| Duty Free – Adani One | 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% |
| Trains – ConfirmTicket/MMT Train | 3x RPs | 3x RPs | 3x RPs | 1% |
| Instant Vouchers | 5x RPs | 3x RPs | 5x RPs | 5% |
| Apple Imagine Tresor | 5x RPs | 3x RPs | 5x RPs | 5% |
| MMT Holiday Packages | 5x RPs | 5x RPs | 5x RPs | 5% |
| Drivado | 5x RPs | 5x RPs | 5x RPs | 10% |
| My EMI Shop | 5% Instant Cashback up to ₹5,000 on Full Swipe Transactions, up to ₹10,000 on EMI Transactions + Core Card-Specific Benefit | |||
Reward Points or Cashback are posted within 90 days of the last day of the transaction month.
Capping for Reward Earnings With HDFC Credit Cards on SmartBuy
There are caps on reward points and cashback for HDFC credit cards. Premium cards usually offer higher limits and more flexibility, while everyday cards have lower caps on rewards and cashback earnings.
| HDFC Bank Credit Cards | Max Cap Per Month | Max Cap Per Day |
| Infinia | 15,000 | 15,000 |
| Diners Black Metal & BizBlack Metal | 10,000 | 10,000 |
| Diners Black | 7,500 | 2,500 |
| BizPower, Regalia, Diners Privilege | 4,000 | 2,000 |
| Tata Neu (NeuCoins) | 1,000 | 1,000 |
| Other Credit Cards (Cashback) | ₹1,000 | ₹1,000 |
How Much to Spend With HDFC Credit Cards on Smartbuy for Maximum Rewards
HDFC Bank offers a wide range of credit cards. These include premium options like Infinia Metal for high-net-worth individuals, business-focused cards like BizBlack, mid-range travel cards like Regalia Gold, and everyday cards like Diners Privilege. All of these cards can be used on the SmartBuy portal to maximize rewards.
If you shop directly with partner brands, you usually earn only base reward points. But when you shop or book travel through SmartBuy, you can earn up to 10X rewards.
To get the most out of your credit card and earn the highest bonus reward points, you need to spend a minimum amount each month. This minimum spend varies depending on the category of your purchases.
Using the Infinia Credit Card
The HDFC Infinia Credit Card offers 5 Reward Points per ₹150 spent as its base reward rate. Below is a simple calculation to show how much you need to spend in a month to reach the maximum cap of 15,000 Reward Points.
| Spends Category | Accelerated Reward Rate | Spend Required to Earn 15,000 Bonus RP (Cap Limit) |
| 10X Partners (Hotels, IGP.com, Jockey, and More) | 50 RPs/₹150 (5 Base + 45 Bonus) | ₹50,100 |
| 5X Partners (Flights, Instant Vouchers, MMT Holiday Packages and More) | 25 RPs/₹150 (5 Base + 20 Bonus) | ₹1,12,500 |
| 3X Partners (ConfirmTicket/MMT Train) | 15 RPs/₹150 (5 Base + 10 Bonus) | ₹2,25,000 |
HDFC Infinia has a cap of 15,000 Reward Points per month (and per day) on accelerated rewards. You can either complete this spend in a single day or spread it across the month. However, once you reach the cap, the reward rate will drop back to the base rate.
The table above shows how much you need to spend under each category to get the maximum benefit.
Using Diners Club Black Metal & BizBlack Metal Credit Cards
The HDFC Diners Club Black Metal and BizBlack Metal Credit Card offers the same reward rate as the HDFC Infinia Credit Card. However, the cap on bonus reward points is lower, at 10,000 points per month (and per day) on accelerated rewards.
| Spends Category | Accelerated Reward Rate | Spend Required to Hit Cap (Per Day/Month) |
| 10X Partners (Hotels, IGP.com, Jockey, and More) | 50 RPs/₹150 (5 Base + 45 Bonus) | ₹33,450 |
| 5X Partners (Flights, Instant Vouchers, MMT Holiday Packages and More) | 25 RPs/₹150 (5 Base + 20 Bonus) | ₹75,000 |
| 3X Partners (ConfirmTicket/MMT Train) | 15 RPs/₹150 (5 Base + 10 Bonus) | ₹1,50,000 |
Using HDFC Regalia Gold & BizPower Credit Cards
To earn maximum Reward Points on your HDFC Regalia Gold or Biz Power credit cards, you must spend a certain minimum amount with the card as per the following table-
| Spends Category | Accelerated Reward Rate | Spend Required to Hit Per Day Cap | Spend Required to Hit Cap Per Month |
| 10X Partners (Hotels, IGP.com, Jockey, and More) | 50 RPs/₹200 (5 Base + 45 Bonus) | ₹9,000 | ₹17,800 |
| 5X Partners (Flights, Instant Vouchers, MMT Holiday Packages and More) | 25 RPs/₹200 (5 Base + 20 Bonus) | ₹20,000 | ₹40,000 |
| 3X Partners (ConfirmTicket/MMT Train) | 15 RPs/₹200 (5 Base + 10 Bonus) | ₹40,000 | ₹80,000 |
Using Diners Club Privilege Credit Cards on SmartBuy
The Diners Club Privilege Credit Card is a simple, low-fee card that offers good benefits, including generous airport lounge access. It is a great option for those who are just starting their credit card journey.
| Spends Category | Accelerated Reward Rate | Spend Required to Hit Per Day Cap | Spend Required to Hit Cap Per Month |
| 10X Partners (Hotels, IGP.com, Jockey, and More) | 40 RPs/₹200 (4 Base + 36 Bonus) | ₹11,200 | ₹22,400 |
| 5X Partners (Flights, Instant Vouchers, MMT Holiday Packages and More) | 20 RPs/₹200 (4 Base + 16 Bonus) | ₹25,000 | ₹50,000 |
| 3X Partners (ConfirmTicket/MMT Train) | 12 RPs/₹200 (4 Base + 8 Bonus) | ₹50,000 | ₹1,00,000 |
How to Avail of Travel and Stays 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.
- Complete 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.
- Check out using your HDFC credit/debit card.
Rail
-Via MakeMyTrip and Confirmtkt
- Go to the rail booking section of the Smart Buy Portal.
- Select Confirmtkt.
- Complete your booking and pay with your HDFC credit or debit card.
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.
- Check out using your HDFC credit/debit card and complete the payment.
Airport Transfers
- Go to the SmartBuy website
- Under Travel & Stays
- Book airport transfers with Drivado
How to Avail of SmartBuy Shop Offers?
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
- Check out using the HDFC Bank debit/ credit cards.
To earn cashback and reward points, visit the Apple Website via the Smart Buy portal.
IGP
- Go to the IGP option on the SmartBuy portal
- Select the item(s) you want to purchase and add them to your cart.
- Check out using HDFC Bank debit/credit cards.
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 Avail Brand Vouchers With SmartBuy?
Instant Vouchers via Gyftr
- Select the Instant Vouchers option on the Smart Buy website/app.
- Choose Gyftr.
- 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.
Instant Vouchers via Woohoo
- Select the Instant Vouchers option on the SmartBuy website.
- Choose Woohoo
- You shall be redirected to the website
- Select the voucher you wish to purchase with your HDFC card.
Bottom Line
HDFC SmartBuy is one of the most rewarding features of HDFC credit cards. You can easily buy vouchers, redeem points for flights, book travel, and more, all in one place, with a simple and smooth experience.
If you have an HDFC credit card and are not using the SmartBuy portal, you are missing out. It is one of the main reasons people choose HDFC Bank credit cards and continue upgrading to more premium options.
FAQs
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.
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 a code you can enter at the time of payment to the merchant, and the eligible discount/cashback will be applied to you.
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.
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 ₹1,000 monthly.
Is this offer applicable to all HDFC credit/debit cards?
Certain credit/debit cards, including Corporate, Commercial, Dealer, distributor, Virtual, and Times Points debit cards, are excluded from the offer.
25 comments
anu
Hi,
I m having infinia card and its add-on both on different mobile number.
1 ) Now while Login on SmartBuy i am suppose to use x number and to login to gyftr same number or add on card number
2) Now while Login on SmartBuy i am suppose to use x number and to login to gyftr with same number but can use add on card instead of primary card..
Ashwinikumar Khandekar
iPhone 16e is listed at points 171400. There is 30% co-pay. Does that also mean 30% less points from 171400 ?
Nilesh Kabra
Post March 2024 update-
Myntra Gift vouchers were always available through Gyftr on Smartbuy. Now it seems Myntra is added as a 5X rewards/ 5% cashback partner. Although the deals page is silent here on this aspect
Bharat
Instant voucher limit for Bigbasket has been now capped to Rs. 1500 per month!
Kaushal
Thanks for amazing article. I have Diners Club Metal Card.
If I pay for an Insurance premium of 1.5 Lacs I will get 5000 Reward Points ( online spend )
Will there be a cap of Maximum RP per day applied here ?
Sanjeev B
In Oct, the limit on purchase of Amazon Shopping Vouchers has been reduced from Rs.20000 to Rs.10000.
Rahul
Can you get bonus reward points if you opt for the EMI option on the apple site through smartbuy portal?
Kartik Kanwar
Hello, Sir. Yes, you can earn reward points with easy EMIs while purchasing Apple products.
Rahul
Hi,
What is the timeframe for newly launched iPhones to be included in SmartBuy Rewards? Does anyone know when the iPhone 14 was introduced to SmartBuy?
Ankur Mittal
It’s included. You can purchase from Imagine Store
Punit mittal
I HAVE 2 HDFC CREDIT CARDS, IS LIMIT APPLICABLE PER CREDIT CARD OR COMBINED 1000 CASHBACK FOT THE MONTH?
Ankur Mittal
per card
Rohit
There’s 1 change this month – Nykaa has been added at a 5x RP multiplier
Ankur Mittal
Yes, Nykaa has been recently added
Neel
Can someone clarify the daily cap on SmartBuy which is 7500 points, is that for bonus or regular+bonus?
I remember earlier posts mentioning that it is just for bonus so you can spend upto some 56K to hit that limit(for 5X partners). However I just called smart buy customer care, and they were very clear. 7500 includes normal rewards so daily limit is not 56K but 45K. So let’s say you send 50K, you will get 7500 reward points for 45K, and for remaining 5K INR value, you will get 1X points which is 166 points
Abhay
Is there any offer for platinum debit card customers!!?
If yes how can I redeem that and where can I see and track my rewards …. thanks
Nihal Melwani
So I have the HDFC Millenia which offers 5% CB on spends directly made onto Amazon & FK. My question is via smart buy does it give additional 5% ? Or is smart buy another way to get 5% once I maximise my direct 5% cashback on The Millenia Credit Card
CP
I have 2 addon card, 1 with same number and 1 with different number.
Is the daily monthly limit shared across the add-on cards or separate for each?
Ankur Mittal
This is from the terms-
So both are separate offers. With Smartbuy you would be getting 1% + 5% cashback up to Rs 1000 and directly you can get another cashback up to Rs 1000. In total you can get a cashback of Rs 2000 per month.
Shikhar
I guess some of the limits for maximum benefits calculations are not correct. Take Amzon on Infinia for example. For daily limit, it says Rs. 1,12,500. With Rs112500, we get 3750 normal points, and 15000 incremental points, which is double the daily cap of 7500 points. Daily limit should rather be Rs 56250.
Ankur Mittal
Hi Shikhar, there are 2 columns. One is monthly and the other is daily spends. I just rechecked, the numbers in the daily spends column are fine.
Thambi
It seems the 5% cashback on Regalia card is getting away.. but in this blog you’ve written as if the perks are enhanced.. clarify pls.
Ankur Mittal
Hi, Cashback on Regalia has been replaced with 5x/10x offer.
Anonymous
It is advisable to have the desired items already added to your Wishlist on Amazon/Flipkart. This will speed up the process. : this is incorrect. You may ask users NOT to do so to be eligible for the cashback or reward points.
Ankur Mittal
Hi, The items shouldn’t be in cart. But we can have the items in wishlist for easier shopping. I have tested it myself.