HDFC Diners 10X Program Changes from 1st Nov 2017 – a Hit or a Miss?

By | November 1, 2017

Ever since the 10X program of Diners Club was launched in India, it has been the eye candy of people like us who try to make the most of it. HDFC has been adding and removing a lot of partners from time to time. But one of the major revamps was when Flipkart Snapdeal and Myntra were removed.

But, everyone was totally okay with the move as a new partner was added in their place which promised to make up for all the loss- Amazon.in. It was a biggest addition simply by the range of items that you could order on the shopping portal, in plain and simple language- Almost Everything!! But it seems the golden days are finally over.

Hdfc Diners 10x Rewards

Amazon knocked out from 10X List: Amazon.in seems to have been removed from the list of partners for the 10X programs as of today (1st Nov 2017). This is a big bummer as a lot of Diners Card holders were big fan of amazon and this deal of getting 10X points made it sweeter every time they ordered things from the latter. To be honest, we always saw this coming. It was bound to be removed because when the Amazon Pay was launched, these 10X points became the new hack for spending and getting the benefit on a lot of other merchants too where amazon pay was accepted.

Changes Eff. Nov 1st 2017: But it seems HDFC Bank has now decided to pull amazon.in off the list for 10X partners. Obviously, most, if not all Diners Club card owners would be surely disappointed by the move considering the fact that amazon is a very reputed e-commerce website among the other e-tailers and this 10X points offer was the icing on the cake.

  • The 10X program has now been extended to 31st March, 2018
  • A new partner “Caratlane” has been added. This partner is also available among the 5X partners with other HDFC Credit Cards. But, with Diners it’ll add 10X points to your arsenal. The points will though get credited within 90 days of statement generation date.
  • Amazon.in has been removed as of now as the 10X partner.

To be honest, even though the validity of 10X program has been yet again increased as was expected till 31st march 2018, still it is sure to leave a lot of readers disappointed due to the removal of amazon.

UPDATE: New terms and conditions for merchant “CaratLane”:

  1. Gold Coins won’t be counted for 10X program.
  2. Both in-store as well as online txns on caratlane will be considered for 10X program.
  3. The 9X incremental spends for November 2017 will be credited within 90 days from November 30. However, from 1st December 2017, on any spends on Caratlane except Gold coins, the incremental points will be credited in the very next cycle just like other merchants.

What is your take on this whole change saga? Please let us know about your views in the comments below. What will be your strategy now considering the recent changes that has been made by HDFC bank?

Author: Abhishek Roy

Abhishek is a Doctor by profession and is passionate about Technology and Photography. He pursues his hobbies during the little free time he gets and likes to make the most out of it. He has special interest in Credit/Debit Cards, Reward Points, Air Miles and Travel Hacks.

137 thoughts on “HDFC Diners 10X Program Changes from 1st Nov 2017 – a Hit or a Miss?

  1. Amit

    Last six months were interesting.
    Flipkart gone, Myntra gone, Goibibo gone, Makemytrip gone and now Amazon gone ! So in last six months all major etailers and travel portals are removed from 10x list. These were big tickets merchants. What is left now are lefovers. The only consolation is HDFC Smartbuy offer is valid till 31st December 2017 and still offers an opportunity to accrue 10x points on Amazon. It was good while it lasted. RIP Diners Black !

    Reply
    1. Amex Guy

      I’m not the HDFC fan, or even a supporter, but even I have to applaud their choice of partners over the years. In the festive season, they had Amazon. In wedding season, they have got Lifestyle and Caratlane. Really, in the wedding season, would you spend 75K a month on Amazon or buying clothes and jewellery? And this is India, enough people have made fake Amazon accounts and sent 20K gift cards to each. The real problem with HDFC is give black card to people who are doing manufactured spends, i.e., to non-HNWs. Since they can’t really bring down 25K cap for black card at risk of losing high spenders, they have to cut channels of manufactured spends. it makes total sense. I think Amazon might come back as Smartbuy partner as on that portal, they can exclude gift cards and Amazon Pay purchases for 10X.

      Flipkart, Cleartrip, Yatra remain 10X partners through Smartbuy.

      Reply
      1. Abhishek Roy Post author

        Absolutely. I too agree to the point of manufactured spending. However for people like me, I used to order everything from amazon. So for a person like me, that is a big blow. I think this will vary from person to person but this fall off will really leave a sour taste with many of us.

        Reply
        1. Amex Guy

          I agree with you, because of a few, everyone has to suffer. It sucks for people like us.

          I think the overall move from HDFC in last year are to squeeze out regular people from rewards programs. They are really targeting Premium and Rewards versions. They removed ways to spend rewards which most salaried people would use — bill payments, recharges, movies.

          In the coming years, I think we will see more offers that gratifies their ideal Diners Black candidate. So I expect more of Luxehues, Ethos watches, high end tailors, jewellery shops and dining options being added on while churning Amazon, Swiggy, Redbus style of partners. It makes sense for them, they have 3-4X cards than Citi does and make less money. CC game in India is really for high spenders, and HDFC looses that game big time to Citi and Amex. They already have most of the salaried class roped in, there is nothing to be gained by appealing to them anymore. They aren’t going anywhere, as other companies don’t want them either.

          Reply
  2. Shubhankar

    Flipkart is still an option through smartbuy. Then there are international spends and flight/shopping through smartbuy compare. So, it’s still good.

    Reply
  3. Prashant Gupta

    I have a question in smartbuy compare and shop if i click amazon link for a product and dont buy that product on amazon but some other product, will i still get 10X points ??

    Reply
  4. Aadil Bandukwala

    Completely agree with you Abhishek. Amazon was the single most rewarding partner in the form of 10X rewards for Diners Black. This one partner gave us tremendous returns. RIP Diners Black indeed!

    Reply
    1. Pankaj Singhal

      AMZ was there only for a few months. So not sure why you say RIP.

      It still offers great value covering all major spend needs like entertainment, travel, conveyance, shopping, grocery, jewelry, luxury, food and clothing and the ability to earn upto 60,000 points a month (till Dec 2017, reasonably sure it will be extended).

      I have been able to parlay these rewards into a trip to Singapore for 3 and an upcoming trip to Dubai as well. I think by March, I should be able to generate enough points for another trip.

      In my view, a card still worth having.

      Reply
      1. Ash999

        Btw Mr Singhal, what is the most valuable way of using these rewards points.

        I see you can book air tickets and hotels, but hotels are usually a lot cheaper on cleartrip, MMT and the likes rather than dinersclub website.

        Apart from that there is the HDFC product catalogue, but that is just overpriced junk?

        So essentially air tickets it is, is there any other way to positively use these points rather than just splurge on air tickets???

        I used to have few points prior to Diners, so never really bothered with the best way to utilize them.

        Reply
  5. Majumdar

    Diners Black – Amazon 10X was a deadly combo, no doubt, but let us not forget that it was there for only 6 months. DCB has been having 10X almost continuously since Sep 2014.

    Even without Amazon, DCB still packs a punch. You could still get 25K per month on flights- the easiest way to earn points- through smartbuy. And considering that DCB members would typically be corporate executives earning in the INR 40L- 1cr bracket, they could easily spend 8-10K pm on bigbasket, 8-10 K on Uber, 4-5 K each on swiggy and redbus. So still around 10K per month without indulging in wasteful spending or manufactured spending.

    Of course once could still do some manufactured spend by purchasing gold coins on luxehues or caratlane etc

    Regards

    Reply
  6. Prashant Gupta

    Diners Black is still the best out there compared to other premium cards. Its Just that we got used to Amazon 10x. I myself almost raked up 25K points per month on amazon. We all agree given a choice no one will like to purchase from flipkart but now we will have to for 2 more month, but nothing beats amazon prime and now Alexa too.

    Reply
  7. Rahul

    Of course Amazon will be missed sorely. Personally I am a huge fan of Amazon for their range of products, Customer care & fast delivery.
    Flipkart is still there but half the time they dont deliver to town of my residence i.e. Noida.
    Hope they come up with some consolation program for Amazon like 5X or something.

    Reply
  8. Majumdar

    Rahul,

    That would be a great thing. Even 5X on Amazon would be a great thing. You could buy practically everything under the sun and still get a 15% plus cashback.

    Regards

    Reply
  9. Rahul

    Through smartbuy, can I purchase amazon gift card or any bank prepaid card? In my company, I need to send gifts to client often on corporate budget and during Diwali I gifted almost 50k worth of rbl prepaid cards that I bought from Amazon and this helped me accumulate points as well.. Not sure if I can do this now on smartbuy.

    Reply
    1. Rahul

      Can someone pls help answer my query that is it possible to buy prepaid card using smartbuy?

      Reply
      1. Abhishek Roy Post author

        In short, we don’t know yet. If someone knows anything about this, do share your views and help each other.

        Reply
        1. Rahul Singh

          I was clearly told that gift card and wallet loading from any brand/ platform will not earn even normal points, forget about 10X (Called on 27 Sep, 2017).

          Reply
          1. Prashant Gupta

            I have bought MMT vouchers from Amazon for rs.50000 and Rs.30000. I have received 10X points.

      2. Mahesh NRK

        Hi Rahul,

        I don’t see any option to buy amazon gift card through smart buy :). Unlike flipkart There is no link to open amazon via smart buy. As far as gift card goes, I have purchased that from amazon while it was a 10x partner and I have got 10x points in call the cases. But in smartbuy the 90 days rule make it worse and a gamble.

        Reply
  10. Himanshu

    I was looking for card tips and found this website yesterday. Read some articles and it helped me so much understanding more cards as i am new to credit card thing.

    Have a question i am using HDFC regalia first card for an year. Wanted to get limit enchantment but there are no offers. How to do that? Can i get one more HDFC card though already using regalia first.

    Reply
      1. Rohan

        It’s 33000 for 10gm… outside its 30000. Still after the 33% discount… it’s easy money no?

        Reply
          1. Prashant Gupta

            I bought gold coins on amazon and got the points. Dont know about caratlane.

  11. Garima

    Personally amazon will be badly missed.In case of smartbuy we have to wait for arnd 4 monts to get 9x points.And you never know if devaluation will happen before crediting the points.
    Due to this many people suffered huge loss during august devaluation. So personally i dont like using flipkart thru smartbuy.

    Reply
    1. Mahesh NRK

      They will never credit you the points themselves after 3 months (Now 90 working days Weird!!!). I am still behind them for points from smartbuy which I purchased on July 2017. They have not credited the points yet. CC is horrible. For me Diners Premium is a waste now.
      Question : Had any one else received the points from smartbuy transactions after 90 days.

      Reply
      1. Garima

        Yes i recieved th e points for transaction in may.I recieved last month.They dont credit within 90 days. They credit in the bill whhich will generate after 3 3 3 3 months..So it comes in 4th bill.

        Reply
        1. Mahesh NRK

          Hi Garima,

          Thanks for the confirmation.
          Was it for smartbuy flight etc or Flipkart opened through smartbuy/other shopping through smartbuy
          Also in my case after lot of back and forth they finally agreed that they did not credit the points and the same will be credited by next statement.

          But I still think that this 90 days funda is a head ache. Can never trust them 🙂

          Reply
  12. Doc

    Amazon is now available through smartbuy. Yes, it will be part of the 25k points threshold for black, but amazon is still very much part of the program. Just two extra steps via smartbuy.

    Reply
    1. JN Nagraj

      Can someone tell me how Amazon is part of Smartbuy? I do not see an option anywhere on Smartbuy to buy from Amazon. The Flipkart microsite is clearly linked, but not Amazon. There is a distinct url for the Flipkart section, but I can’t find one for Amazon anywhere.

      Reply
      1. Abhishek Roy Post author

        You don’t have to worry about that even if there isn’t a dedicated url. This whole business or model depends on affiliate links. When you click on that link, the website itself knows from where you have arrived on the website. So that way all the purchases can be tracked if they have actually been bought after being being visited from smartbuy or not. I talked to the customer care a few days back, for flipkart or any other websites that are linked to smartbuy, they’ll take 90 days to credit the point. So say I purchased something from Flipkart (via Smartbuy), my statement was generated on October wherein that purchase was mentioned, so 90 days from October is the 10X points will be credited in the statement in the month of January. But if you buy something in september from Smartbuy itself, say flights or hotels, then the 10X points will be credited in October itself.

        Reply
        1. JN Nagraj

          Sure, I get that, but is Amazon now officially available under Smartbuy, like Flipkart is?

          Reply
  13. Prashant Gupta

    I am repating question again if i buy some other product from amazon rather than the the product shown in smartbuy will i get points.

    Reply
    1. Abhishek Roy Post author

      It’s difficult to say this at this moment Prashant. If we know anything, we will let everyone know here.

      Reply
    2. Mahesh NRK

      Hi Prashanth,
      No I dont think so. Amazon is not a partner anymore.
      from Now on if you search some product in smart buy, for eg, honor 8 pro you will see an option to buy from amazon. But before taking you to amazon you will be prompted to add your regd. mobile number and last 4 card digits (may be this is how they will track)

      Reply
  14. Mani

    Hi Abhishek. Should we login into Smartbuy before checking out to get the 10x points or Should we checkout as guest? (For any flights bookings, shopping done through Smartbuy)

    Reply
    1. Abhishek Roy Post author

      I don’t think there is any further requirement of checking out as guest as was initially with Diners Club. You can I guess, create an account and login whenever you want to book anything from their website. Correct me if I’m wrong as this hasn’t been tested first hand by anyone yet.

      Reply
      1. Parag

        I wanted to book flights tickets and have the same confusion as nothing was mentioned anywhere regarding logging into account when whole of HDFC Smartbuy was included in 10x reward program.

        I called the customer care and he confirmed me to book tickets as a guest.

        Also, I have done shopping on Flipkart without logging. Hope I get points for it.

        Reply
        1. Abhishek Roy Post author

          I am sure you’ll get points for the direct flight purchases through SmartBuy. I have got mine. But I am not sure when you’ll get points for the Flipkart buy through SmartBuy as I am too waiting for my points to arrive.

          Reply
          1. Ash999

            This is a major hiccup, earlier it was mentioned that purchases need to be made via smartbuy (by not logging in) and continuing onto FK.

            Now I dont know what the deal is, you do get your 1x points in the same statement but I do not know about the 9x, still waiting.

            Unnecessary confusion, I do not understand why is it necessary to not login, I would believe by logging in it would be easier for SMARTBUY to keep a track of your purchases.

            Utterly weird, does anybody have any confirmed news about this??

  15. ND

    Amazon or no Amazon doesn’t make any difference to the Diners Black card holders. Many partners came and went including Flipkart, MMT, etc. fact is there is still avenue to earn 10x on these cards thru merchant partners including smartbuy for shopping and flights. There is no other card which gives 33% back.

    Reply
  16. Vyom Aggarwal

    Is there anyone here who has recieved points for transactions on Flipkart through smartbuy? If yes the when are the points recieved after the transaction?

    Reply
    1. Mouli

      I have also done a transaction in Flipkart through SMarrtbuy in September , waiting for the points

      Reply
    2. Ramesh Kumar

      Based in my experience, reward points won’t be credited until you escalate to customer care(CC). Also make sure you have proof that you made the transaction through Smartbuy, most of the times CC will ask for proof even though it’s stupid, because no provision giving on Smartbuy to track orders(except flights and hotel bookings). Because I knew HDFC CC executives behaviour for several years, I always do video recording or screenshot(with combined logo of Smartbuy & flipkart) of the transactions, so that it can be used as proof. I have escalated for two of my Smartbuy purchases at flipkart and they have confirmed that they’ll do reward points credit for one ticket and another ticket is still under investigation at CC end.

      Reply
      1. Rahul

        Oh.. This is bad.. Especially when hdfc doesn’t show the breakup of how many points credited for what purchase and how many points used for what purchase.

        Reply
  17. Jeet

    Please confirm if my understanding is correct. There are currently 3 avenues to earn 10x points –
    1. Smartbuy – includes flight and hotel booking and Flipkart. Earn potential is upto 25,000 per cycle.
    2. 10x partners like BigBasket etc. Earn potential is an ADDITIONAL 25,000 per cycle (?).
    3. International spends. Upto 10,000 points per cycle.

    So in total, a Diners Black card holder can earn up to 60,000 10x points per cycle?

    Reply
    1. Amex Guy

      You can earn 60K bonus points, which are technically 9X bonus. You can earn a total of 66666 10X points in a statement cycle. Points through Smartbuy are a hit and miss, though.

      Reply
  18. Kunal Jain

    Hi, just got a mail today including amazon as 10x partners. Is there any update on this?

    Reply
  19. Majumdar

    How about all of us badgering our RMs to get AMZ back as preferred partner, if not as 10x at least as 5x. We have abt a dozen DCB holders in my office and we are planning to do just that.

    Regards

    Reply
  20. Mahesh NRK

    Hi Guys,

    What do they mean by this condition in their terms?

    “Diners Club Card customers cannot club the 10X benefit with any of the existing programs with the Diners”

    Does this mean that members will get only 10X not 20X. Also max points that can be accumulated is 25000 per cycle. But on diners website its 5000.

    Looks a little confusing to me.

    Reply
    1. Suresh

      Any HDFC credit card will get 10X (max 25k) through smartbuy including diners. all variants. For diners premium, 5k points max if you shop through 10X partners.

      Reply
    2. M Muralidhar

      There is no 20x, that t and c means that you cannot combine 10x with additional diners offers of same purchase but so far I haven’t come across such promotions exclusively for diners. 25k limit is for smartbuy. 25k, 5k and 2k are for 10x partner rewards for black, premium and rewards don’t get confused for each other.

      Reply
  21. Himanshu

    Can’t access my cibil report summary. New to this thing. Can anyone help? Already paid subscription amount.

    Reply
    1. M Muralidhar

      Forward purchase receipt to their customer are, they’ll reply

      Reply
  22. Jaydeep

    Do you think Diners Black points will/can be devalued in the future? I’m under the impression that being a super premium card along with Imperia the chances of that happening are low. What is your take on this?

    And if such a thing happens then can we create a voucher to save the points? And how long will such a voucher be valid?

    Reply
    1. ND

      Hypothetical situation, but a certain event. Change is the only constant. And nothing is impossible. Every bank or issuer have super premium cards and by-invitation cards and they offer very marginal rewards points compared to 10x or 3.33% (non 10x) but users would love to have them. Every card goes thru devaluation. That answers ur query.

      Reply
  23. Prateek

    How are you guys checking whether you’ve received 10x points or not? How to get break up of points credited by HDFC?

    Reply
    1. Amex Guy

      It’s actually pretty easy if you exclusively use your card on 10X partners, which I do. Just check statement for new points accrued, and tally with next statement and see if you got roughly 9X more points.

      It would be a mess if you use it with other merchants as well.

      Reply
      1. Abhishek Roy Post author

        Hahaha… Yes that’s pretty easy. But at the end of the billing cycle, I count the spends on the 10X partners and then calculate the amount of 9 X points I am yet to receive and tally it as per the points credited. Though it seems a daunting task, it doesn’t take more than 10-15 mins a month.

        Reply
        1. Prashant Gupta

          I am maintaining an excel for all the spends. It gets very confusing if uou dont track spends especially on smartbuy and lifestyle. This month i have almost done 60k on amaOm and more than 1L om smartbuy and some international spends. Will be difficult to track but lets see.

          Reply
          1. Mahesh NRK

            Prateek, This is how I check.
            A – On the day statement generated login to HDFC Netbanking and check your points by clicking your card.
            B – After 2 – 3 days of generation, balance 9x points for previous month will be added. Check the same by logging in.
            B-A will give you the 9X points.
            Again smartbuy flipkart points will never be credited by themselves after 90 days. So keep an eye on that and mail the customer care if you think they didn’t post it.

  24. Himanshu

    Have a SBI simplyclick CC. Got in June and my limit is currently 50K have other card too which is Regalia first that as 75K. ( Got in nov 2016).Filling an ITR Of Rs 5 lac p.a. Did end up requesting all banks credit card have no idea about cibil but used bankbazaar and my score is 847. I am just new to cards thing. Wanted cards of citi, SC and amex but they rejected my app.

    Anyone can guide me how to enchance simplyclick card limit and how can I get more cards? Help?

    Reply
    1. Abhishek Roy Post author

      For now don’t apply for credit cards. Wait for 6 months. Get an Official CIBIL score from CIBIL. You are entitled to one free CIBIL Score in a year. And then reapply on the basis of it. Ask the bank if they allow card on card basis application or salary based application. Apply accordingly. In the meantime, try to get your credit limit increased with your existing credit cards.

      Reply
    2. Rishi Gupta

      Hey Himanshu,
      Apply for Citibank Credit card by showing your Pay slips, you will easily get upto 1.5 lakhs of limit in CitiBank.
      Apply this in offline mode.
      After that, use your Citibank CC for a month , then apply for new card- SBI SimplyClick. You will easily get limit of above 1 lakh.
      Worked for me.

      Reply
  25. Saurabh_reader

    2 options I found, both unconfirmed at the moment

    1. When we open Smartbuy in payzapp app , we can see shopclues there : Buy a ticket compliments prepaid card

    2. From Flipkart, buy Malabar gold gift card, visit the shop and buy gold coins using the GC, exchange or return the coins to Malabar gold itself

    Reply
    1. Nikhil Goel

      Bro in shopping option on payzapp, there is further an option of smart buy with 10x offer and shopclues is another option without any mention of 10x offer. It seems like it is only a referral link for shopclues and doesn’t have any link to 10x offer.

      Buying malabar gold GC doesn’t seem a good option since Diners already have caratlane.com as default 10x partner.

      Reply
    2. garima

      Have you used ticket compliments cards before? If yes how is the experience?

      Reply
      1. Nikhil Goel

        No, gift cards are not my cup of tea. For gifting i prefer the actual gifts and for personal usage it seems a lot remembering about the GCs and searching for their card details.

        Reply
  26. Suresh

    Hi, got a new update regarding smartbuy reward point credit. Any transactions done in july calender month, remaining 9x points will be credited by 8 or 10th of november. I got this info, when i tried to enquire about the reward points for the transactions done in August.

    Reply
  27. Abhinav Jain

    Has anyone used the points generated through Diners card. What’s the best way to use them, preferable for high ticket purchases? I recall something related to generating vouchers on the HDFC diners site. Is it related?

    Reply
    1. Abhishek Roy Post author

      Diners points can best be utilized when you buy airline tickets. Try to avoid booking tickets when prices are high. The points are as good as cash so the cheaper deals you get, the better it is.

      Reply
      1. Ash999

        How do you actually use the points?
        Say you want to book an international ticket on smartbuy, using either yatra or cleartrip options?
        what is the procedure, I have never utilized these, therefore I’m asking

        Read somewhere you need to create vouchers etc?
        Is that correct

        Reply
        1. Garima

          For using the points you have to go to diners club website and book flights from their.

          Reply
    2. Pankaj Singhal

      I went to Singapore. Booked 5 months in advance for travel after the Sing GP weekend. Got tickets for 3 at 41K points. (Chennai – Sing). Hotel also on points, around 59K. Some domestic tickets for my parents as well.
      Next Target – any place which can be done in same range.

      Best way to use points.

      Reply
  28. Sulabh Gupta

    There used to be a hack previously, wherein you could literally encash your points by paying a post paid mobile phone bill in excess and then closing the connection, and then you’d get the excess bill submitted as a cheque from the telecom provider.

    Any aviation hackers out here who can reveal a trick or two? I don’t want to forcefully take a vacation just to use my points if there are any other options. Also wouldn’t want to redeem with a voucher with a conversion ratio of 0.5 🙂

    Reply
    1. Abhishek Roy Post author

      I won’t suggest doing that. The Telecom company can very well land you into a soup.

      Reply
    2. Majumdar

      Sulabh,

      You can offer to book for a friend or relative at a small discount. You get cash upfront.

      Regards

      Reply
  29. Himanshu

    Thanks anubhav sir. I know my cibil score now which is 764. Last month only have applied for 4 banks CC. All are rejected. Read article about secured credit card.
    My ques is can i open a FD in icici bank and get platinum card which can increase my cibil as siddharth sir written in article? I won’t be applying for any other cards.

    Reply
    1. Abhishek Roy Post author

      Do not apply for so many cards simultaneously. Wait for a minimum of 6 months and apply at only one place. During these 6 months don’t ever default on your payments. You will get the credit card if you fit their eligibility criteria.

      Reply
  30. Vikram

    I never liked Amazon much initially. I used to buy from Ebay and Flipkart mostly. And when they had the 10X on Flipkart I almost dumped Ebay and bought stuff exclusively from Flipkart. And when Flipkart was knocked off I changed over to Amazon and was happy that some etailer was available. Now my only option to earn 10X is Swiggy. That’s sad. I think Lifestyle is still in the list of 10X rewards. Maybe I’ll try to utilize that to the max. But the problem is that certain things like Perfumes will be twice as expensive in physical stores as they are on etailer sites. Need to account those too and see what’s best.

    Reply
  31. Prashant Gupta

    Surprisingly i have noticed that i have received Smartbuy points in next statement. Last month i did 2 transactions on Flipkart worth 45K and i have received the points for that also. Overall i did 95K on smartbuy and flipkart and have received 25K bonus points. According to me only 1 Amazon transactions and international transaction 10X i have not received. I activated Global value also last month and have got the 1% cashback this month even for transactions that i did before activation in the card statement.

    Reply
      1. Prashant Gupta

        Garime i did for 95k but got bonus points for 83k rest normal points

        Reply
        1. garima

          no i mean to say how u manage to spend 95 k on smart buy, like on amazon their was many gift voucher and prepaid card options but on smart buy primarily flights and hotel are their.SO i was askng how u spend so much.

          Reply
          1. Prashant Gupta

            Ok. So i bought apple watch from flipkart and booked 1 international ticket for Rs.53K.

    1. Puneet Yadav

      You got Black or Premium? HDFC not crediting more than 5k RPs in my account. I got premium. Despite spending 41k

      Reply
  32. JN Nagraj

    I’ve been trying to make a hotel booking for February 2018 on Smartbuy and it says no hotels are available. It does show me results when I change the dates to December 2017, though. Odd.

    Reply
    1. Narinder

      It happens some times even with other sites like MakeMytrip, it depends on availability of hotels…

      Reply
  33. Blah

    @All.

    Check your accounts :

    HDFC has done major re-concillation and removed thousands of points without any reason

    Reply
      1. Mahesh NRK

        Me too. I have same points. Did you get any refunds for big amount. When the money is refunded, they will remove the points credited aswell.

        Reply
    1. Prithivi

      In my HDFC DCP account, some 11k odd points have been removed. When I enquired phone banking about that, they told “you have redeemed those points in HDFC e-Gift vouchers”. I have never redeemed as such and hence I raised the complaint for that. But I did not get proper reply from customer care officer and hence escalated the complaint. I have yet to receive the reply from escalation team. Did you raise any complaint and got reply?

      Reply
      1. Prashant Gupta

        Here is the update. I made payments to a merchant worth Rs.25K through Paytm. I got the point the same day but next day they reduced the same points. Also i have been noticing that 5-10 points are reduced now and then. I called up customer care and they told me any transaction involving wallet will not earn points even if they are used to directly pay merchants. Had i known this i would have saved 1000 points i.e. 1000Rs. This is insane from HDFC.

        Reply
        1. Abhishek Roy Post author

          I have stopped using Paytm through HDFC from the day they brought that rule. I use Yesbank cards with Paytm now.

          Reply
        2. Mouli

          I also faced this issue after escalation and follow up they credited back the points for Paytm transactions

          Reply
  34. Satish Agrawal

    This website n forum is a must read for credit card lovers. I recently joined this forum. You all are doing great job for new credit card seekers.

    I want to know if HDFC provides Diners club Black credit card to their Preferred customers even if their salary is 1 lac, whereas eligibility criteria is 1.75 lacs per month.

    Reply
  35. Ravi

    I used my Diners card today at a Max store (clothes) and the SMS said the amount was spent at “Life Style”. Is this the same Lifestyle that has the 10x offer? Will I get the 10x points for this purchase then?

    Reply
  36. blah

    @Everyone, who had redeemed voucher and not used it and got equivalent points. They have reconciled and debited the points . Insane
    Example : Before devaluation pt worth was 75p so if 10000 pts were used for 7500 voucher and it got untilised, they must have credited points worth 7500 under new value of 30p ie 22500. now they are deducting the rest ie deducting 22500-10000 points from your latest statement !

    Reply
  37. Abhishek singh

    Is gold coin purchased through smartbuy-> Flipkart is eligible for 10x or not?

    Reply
  38. Abhishek singh

    Is gold coin purchased through smartbuy flipkart eligible for 10x or not?

    Reply
  39. Ashutoshkumar

    Have spoken to customer care, coins purchased from flipkart are eligible for 10X points. I’m more worried about flipkart, the coins are not returnable and can’t be refunded. So if you get a fake product, you’re on your own.

    Reply
  40. Rahul Singh

    Hey friends,

    As someone posted, I had the same exp for 10X. I made a transaction just 2 days before the statement date and I received 10X 2-3 days after statement generation – INCLUDING transactions done through SMARTBUY. No calculation error from HDFC (I made rough calculation however).

    Love DB card.

    Reply
  41. nithish

    guys is purchasing at AMAZON.com
    (US SITE) make us eleigibile for diners international spend?

    Reply
    1. Abhishek Roy Post author

      Yes. But make sure you do not use currency conversion facility by amazon.com. They have inflated rates and you will be charged in Indian currency. So avoid using that service. Instead pay in dollars by choosing to pay in local (USA $) currency.

      Reply
  42. vyom aggarwal

    it has been more than 90 days but still not recieved the points for the transaxtion i made on flipkart smart buy.
    have written to them several times but no satisfactory response??
    any suggestions

    Reply
    1. Mouli

      Thats the way HDFC works. For all bonus points you need to track and follow them aggressively through email and call .No other go, If possible escalation through your RM also

      Reply
  43. Puneet Yadav

    Guys. I made an payment of 41k on flipkart via SmartBuy for which I should get around 11k RPs. However, HDFC has credited only 5k RPs saying thats the max you can earn on Diners Premium per month is 5k! Is this correct ? The Smartbuy website mentions max RPs at 25000 per month.

    Reply
  44. Mouli

    Yes there is cap limit for each card variant, Plz refer below it’s there in place for more than 4 months

    HDFC Bank Diners Rewardz Card – 2,000 reward points
    HDFC Bank Diners Premium Card – 5,000 reward points
    HDFC Bank Diners Black Card – 25,000 reward points

    Reply
  45. Prashant Gupta

    Another exciting offer from HDFC check out smartbuy

    5% Cashback for Add-On customers on In-Store transactions done on weekends at Apparel Stores and Restaurants
    Valid only for retail In-Store (POS) transactions done in Apparel stores and Restaurants.
    Valid only for transactions done on weekends
    Offer Valid from 20th Nov’17 to 31st Mar’18

    Reply
    1. Parag

      I don’t find any T&C for weekend. It is application on weekday also.
      Maximum Reward Points under this offer is 1000 per month

      Reply
    2. Parag

      I think it is different offer:
      1. 5X Reward Points for HDFC Bank credit card Add-On customers

      2. Valid only for retail In-Store (POS) transactions done in Grocery, Department Store and Supermarket.

      3. Offer Valid from 01st Oct’17 to 31st Dec’17

      4. Valid on HDFC Bank Retail Credit Cards only

      5. Offer not valid on IVR transactions

      6. Offer not valid on cash withdrawl, Dial an Emi, Cash on Call, EMI, Balance transfer

      7. Maximum Reward Points under this offer is 1000 per month

      8. Reward Points for eligible customers will be posted 90 days after the transaction month.

      9. Offer is valid only on transactions done through Add-On cards (and not Primary cards)

      Reply
  46. Mouli

    I tried to book in yatra through smartbuy but there is no option to navigate to yatra.Has anyone tried ?

    Reply
    1. Abhishek Roy Post author

      You cannot go to Yatra directly. When you try and book flight tickets, you’ll see choices between which partner to chose. Say Cleartrip and Yatra price for each flight. From there you chose which partner you want the tickets to be purchased from.

      Reply
      1. Mouli

        I have some coupon code for yatra, so If I try booking through smartbuy then I can’t use that code , rt?
        I saw an option compare and fly is that the one that you are referring to ?

        Reply
        1. Abhishek Roy Post author

          Yes. That is the option I’m referring to. No, you won’t be able to apply that coupon.

          Reply
  47. Manav

    HI,
    I have a query: on smart buy I see option to buy from amazon.in. I choose that and go ahead to buy.
    Also separately there is HDFC cashback offer going on. So will I get both 10X point + cash back?

    Manav

    Reply
    1. Abhishek Roy Post author

      It’s a bit difficult to say. You’ll have to ask Customer care and please let us know here too.

      Reply
  48. Majumdar

    Not strictly on topic, but still maybe useful. My DCB statement came yesterday and I got 10X points on Amazon transactions in addition to the JP miles I had got on the same purchases, confirmed by Jet Privilege by mail. So double dip works!!!

    So guys make sure to do purchases on Bigbasket, Amazon et al through the JP website.

    Regards

    Reply

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