Launched in 2015, HDFC Bank SmartBuy is the bank’s proprietary aggregator portal where you’ll find all the deals and offers that the bank is currently offering 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 are offering 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, where you can earn up to 10X Reward Points on your Infinia, Diners Black, Regalia and Diners Club Privilege credit cards and up to 5% cashback on all other HDFC credit and debit cards (with a few exceptions).

 

HDFC Bank Smartbuy Rewards Program Offers

 

May 2022 Update: The offer has been extended till May 31st, with no changes in partners or bonus reward points earned on each partner. Though now an extra 2.5% + GST would be charged when purchasing Amazon Gift vouchers.

April 2022 Update:
The offer has been extended till 30th April. From April, the purchase of Amazon Gift Vouchers via Smartbuy Portal is now limited to Rs 5,000. For Flipkart Gift Vouchers it’s still Rs 10,000. After the devaluation in February 2022, we have noticed that now when you use your Infinia RP’s for Tanishq Vouchers/Apple products, for the 30% amount which has to be paid via card we are getting 5x reward points instead of 10x reward points. Also now we can get 5x RP’s on DTH recharge done via Infinia credit card.

HDFC Bank SmartBuy Offer Key Highlights

HDFC Bank has made a few major changes in the SmartBuy 10x Reward Program. These changes that are applicable with effect from February 2022 are as follows-

  • You get accelerated Reward Points (2 times to 10 times the regular Reward Points) on the HDFC Infinia, Diners Black, Regalia and Diners Club Privilege credit cards and a 5% (2.5% + 2.5% bonanza) cashback on most other HDFC credit and debit cards on travel-related expenses (like hotel/flight/bus/train bookings), Instant Vouchers and on shopping from e-commerce sites like Amazon and Flipkart.
  • HDFC Regalia and HDFC Diners Club Privilege Credit Cards that used to earn cashback until now will also earn accelerated Reward Points on spends via Smart Buy.
  • The accelerated reward rate as applicable for Regalia and Diners Club Privilege Credit Cards is the same as that for the Infinia Credit Card.
  • The accelerated reward rate on flight and bus ticket bookings via SmartBuy has been reduced to 5x (from 10x earlier).
  • The accelerated reward rate on rail ticket bookings via SmartBuy has been decreased to 3x (from 5x earlier).
  • The accelerated reward rate on Amazon, Apple store and Instant Vouchers has been reduced to 3x for Diners Club Black Credit Card, while it is the same as earlier (5x) for the Infinia Credit Card.
  • The accelerated reward rate on Flipkart has been reduced to 2x (from 3x earlier) for Diners Club Black Credit Card, while it remains the same for the Infinia Credit Card.
  • The reward rate on the various HDFC Credit Card on Smart Buy as applicable w.e.f. 1st February 2022 is as per the following table-

Reward Rate on SmartBuy for Infinia and Diners Club Black Credit Cards-

Category Infinia Credit Card Diners Black Credit Card
Old Reward Rate New Reward Rate (w.e.f. 1st Feb 2022 -31st May 2022) Old Reward Rate New Reward Rate (w.e.f. 1st Feb 2022 -31st May 2022)
IGP.com N/A 10x RPs  N/A 10x RPs 
Flights 10x RPs 5x RPs 10x RPs 5x RPs 
Hotels 10x RPs 10x RPs  10x RPs 10x RPs 
Bus 10x RPs 5x RPs 10x RPs 5x RPs
Rail 5x RPs 3x RPs 5x RPs 3x RPs
MakeMyTrip 10x RPs 10x RPs 10x RPs 10x RPs 
Instant Vouchers 5x RPs 5x RPs 5x RPs 3x RPs
Amazon 5x RPs 5x RPs 5x RPs 3x RPs
Apple Store 5x RPs 5x RPs 5x RPs 3x RPs
Flipkart 3x RPs 3x RPs 3x RPs 2x RPs

Reward Rate on SmartBuy for other HDFC Credit Cards-

Category Regalia & Diners Privilege Credit Cards Cashback on other HDFC Credit/Debit Cards
Old Reward Rate New Reward Rate (w.e.f. 1st Feb 2022 -31st May 2022) Old Reward Rate New Reward Rate (w.e.f. 1st Feb 2022 -31st May 2022)
IGP.com N/A 10x RPs  N/A 10x RPs 
Flights 5% CB 5x RPs 5% CB No Change
Hotels 5% CB 10x RPs  5% CB No Change
Bus 5% CB 5x RPs 5% CB No Change
Rail 5% CB 3x RPs 5% CB No Change
MakeMyTrip 5% CB 10x RPs  5% CB No Change
Instant Vouchers 5% CB 5x RPs 5% CB No Change
Amazon 5% CB 5x RPs 5% CB No Change
Apple Store 5% CB 5x RPs 5% CB No Change
Flipkart 1% CB 3x RPs 1% CB No Change
  • Apart from the monthly capping, a daily capping is also applicable on the maximum Reward Points that can be earned on Infinia/Diners Black/Regalia/Diners Privilege Credit Card in a given month/day (read on for details). However, there is no daily max capping on the cash back earned on other HDFC Bank Credit Cards.

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 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 Amazon and 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, in order 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 them— these minimums differ depending upon what category of expenditure they fall under.

Using HDFC Infinia Credit Card on SmartBuy

For Infinia Card, you may refer to the table below 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
MakeMyTrip 10x Rs. 50,100 Rs. 25,050
Instant Vouchers 5x Rs. 1,12,500 Rs. 56,250
Amazon 5x Rs. 1,12,500 Rs. 56,250
Apple Store 5x Rs. 1,12,500 Rs. 56,250
Flipkart 3x Rs. 2,25,000 Rs. 1,12,500

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

Using HDFC Diners Club Black Credit Card on Smart Buy

In order 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 spends 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
MakeMyTrip 10x Rs. 25,050 Rs. 8,350
Instant Vouchers 3x Rs. 1,12,500 Rs. 37,500
Amazon 3x Rs. 1,12,500 Rs. 37,500
Apple Store 3x Rs. 1,12,500 Rs. 37,500
Flipkart 2x Rs. 2,25,000 Rs. 75,000

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
MakeMyTrip 10x Rs. 16,800 Rs. 8,400
Instant Vouchers 5x Rs. 37,500 Rs. 18,750
Amazon 5x Rs. 37,500 Rs. 18,750
Apple Store 5x Rs. 37,500 Rs. 18,750
Flipkart 3x Rs. 75,000 Rs. 25,000

Monthly Capping on Reward Points

A monthly and daily capping is applicable on the maximum Reward Points that can be earned on the various HDFC credit cards in a given day/month as per the following table-

Credit Card Maximum Bonus Reward Points Per Month Maximum Bonus Reward Points Per Day
Infinia Credit Card 15,000 RPs 7,500 RPs
Diners Black Credit Card 7,500 RPs 2,500 RPs
Regalia/Diners Privilege Credit Cards 4,000 RPs 2,000 RPs

Cashback on all other credit/debit cards

As far as all other credit and debit cards are concerned, you get a cashback of 5% (2.5% platform + 2.5% bonanza cashback) on hotel reservations, flight/bus/rail ticket bookings, and on Instant Vouchers; while shopping on Flipkart earns you only 1% cashback (no bonanza cashback in this case). A max capping of Rs. 1,000 is applicable on the cashback that can be earned in a given month.

Spends Catagory Platform Cashback Bonanza Cashback Total Cashback
Flights 2.5% 2.5% 5%
Hotels 2.5% 2.5% 5%
Bus 2.5% 2.5% 5%
Rail 2.5% 2.5% 5%
Instant Vouchers 2.5% 2.5% 5%
Amazon 2.5% 2.5% 5%
Flipkart 1% Nil 1%

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 the per billing cycle basis). Another point that you must keep in mind 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 5% rate, while there is no daily max capping on the cashback that can be earned in a given day. So, in order 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 This SmartBuy Offer

Flights Categories

  • Step 1: Go to the Flight booking section of the SmartBuy Portal.
  • Step 2: Select the origin and destination airports.
  • Step 3: Compare the prices of the different flights and choose your desired flight.
  • Step 4: Complect the selection and checkout with your HDFC credit/debit card.
    Note: You cannot book multi-city flights on the SmartBuy portal. For booking multi-city flights you need to call a concierge, and they will book the same.

Bus Categories

  • Step 1: Go to the bus booking section on the SmartBuy portal.
  • Step 2: Compare the timings and the prices of all the available options.
  • Step 3: Checkout using your HDFC credit/debit card.

Rail Categories

  • Step 1: Go to the rail booking section of the Smart Buy Portal.
  • Step 2: Select your train, and enter your IRCTC username and password.
  • Step 3: Complete your booking and use your HDFC credit/debit card for payment.

Hotels Categories

  • Step 1: Go to the hotel reservation section on the SmartBuy portal.
  • Step 2: Choose your destination and compare the prices of different hotels.
  • Step 3: Checkout using your HDFC credit/debit card and complete the payment.

Instant Vouchers

  • Step 1: Select the Instant Vouchers option on the Smart Buy website/app.
  • Step 2: You’ll see a list of vouchers from different brands. Choose your desired voucher.
  • Step 3:Proceed to the payment page and complete the payment with your HDFC credit/debit card.

Amazon:

  • Step 1: Go to the SmartBuy portal and select the Amazon tab.
  • Step 2: Enter the mobile number registered with the bank and the last 4 digits of the card number.
  • Step 3: Now click on the Amazon link that will redirect you to Amazon.
  • Step 4: Add the items you wish to purchase to your cart.
  • Step 5: Checkout using your HDFC credit/debit card.

You must make sure that you landed on Amazon via the SmartBuy link, otherwise, you will not get the Reward Points/Cashback.

Flipkart:

  • Step 1: Go to the Flipkart tab on the SmartBuy portal.
  • Step 2: Select the item(s) you wish to purchase.
  • Step 3: Checkout using your HDFC credit/debit card.

Best Practices to follow for the Amazon/Flipkart Offer

In order to make sure that you get bonus Reward Points/cashback when shopping on Amazon/Flipkart, it is advisable to follow certain best practices.

  • Using SmartBuy desktop site. Avoid using the mobile app.
  • It is better to clear your browser’s cache and cookies before you click on the SmartBuy link that redirects you to Amazon/Flipkart page. It is important because you get the Reward Points or cashback only if you land on the Amazon/Flipkart page via the SmartBuy link; to verify this, your browser’s cookies are used. Clearing the cache and cookies ensures that the cookies are tracked properly.
  • You should not have any extension installed on your browser. Even better, use incognito mode while you make the transaction.
  • It is advisable to have the desired items already added to your Wishlist on Amazon/Flipkart. This will speed up the process.
  • Don’t open multiple tabs/windows at the time of checkout.
  • Make sure that you select your HDFC credit/debit card as the payment method.

How to track your Reward Points

HDFC Bank has recently improved how customers can track their bonus Reward Points. Earlier there was no system in place to track the Reward Points and the points earned were posted randomly after 3 months; now, for every transaction that is eligible for bonus Reward Points, an SMS confirmation is sent to the cardholder’s mobile number. Furthermore, these bonus Reward Points are posted at the end of each month. The bank also just added the option in the credit card statement where it displays what extra bonus points have been earned last month—giving customers more control over their accounts!

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

2000 bonus Reward Points credited to your HDFC Bank Credit Card ending XXX on 31/MAY/2021 for SmartBuy May 21.”

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

HDFC Infinia Statement

There is still some scope for improvement in HDFC’s Reward Points tracking system. It would be even better if HDFC displays the bonus Reward Points for each individual transaction.

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. Earlier, you used to get 10X Reward Points even on Amazon and Flipkart, which they have now reduced to just 5X and 3X points. Also, 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. Now the maximum cashback has also been capped at Rs. 1,000, except for Regalia and Diners Privilege credit cards that 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, as, despite all the devaluations and reward cuts by almost all the card issuers (including HDFC obviously), they continue to offer some of the most rewarding cards, particularly so, in the premium category.

FAQs

1.)  Do I always earn Reward Points or cashback whenever I shop from Amazon/Flipkart using my HDFC credit/debit card?

You earn Reward Points or cashback only if you visit Amazon/Flipkart page via the SmartBuy website.

2.) Do I earn bonus Reward Points on EMI transactions?

Yes, you do earn bonus Reward Points on EMI transactions under this offer. The bonus Reward Points or cashback are calculated on the EMI amount levied that given month.

3.) Is the offer applicable on all the purchases from Amazon/Flipkart?

Certain categories are excluded from the offer. You don’t earn Reward Points or cashback on the following categories on Amazon/Flipkart-

  • Flight Bookings, Prepaid / Gift Cards, Bill Payments & Recharges on Amazon
  • Purchase of Video Gaming Consoles & Hardware
  • Amazon Prime membership
  • Amazon Pay Balance
  • Amazon Fresh orders
  • Amazon for Business
  • Jewelry / Gold coins or its equivalent

4.) What is the maximum cashback that I can get on other credit/debit cards (except Infinia, Diners Black, Diners Privilege, and Regalia cards)?

A maximum of Rs. 1,000 can be earned as cashback in a given month on all other credit cards.

5.) Is this offer applicable on all HDFC credit/debit cards?

Certain credit/debit cards including Corporate credit cards, Commercial credit cards, Dealer Credit Cards, Distributor credit cards, Value Plus credit cards, Virtual cards, Jet Privilege debit card, and Times Points debit card are excluded from the offer.

6 Comments

  1. 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.

    • Hi, The items shouldn’t be in cart. But we can have the items in wishlist for easier shopping. I have tested it myself.

  2. 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.

  3. 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.

    • 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.

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