Now Enjoy 10X Reward Points with all HDFC Credit Cards on SmartBuy

By | July 8, 2017

We have time and again stated that HDFC Diners Credit Card is a dream card, simply because of the reason that it has an insane and generous rewarding system of 10X points on selected partners. The 10X RPs scheme has been here for quite long now and it seems it is here to stay. It was there initially till 31st March 2017 but was later extended till 31st July, 2017. In all probabilities, this will continue.

HDFC SmartBuy Offer – 10X Rewards

10X Reward Points with all HDFC Credit Cards

Looks like HDFC has massive success with their Diners 10X program that now they’ve extended it to all HDFC credit cards, though limited to Smartbuy alone for now. This should certainly increase the spends on HDFC cards multifolds and who knows, they might show up on headlines next year that they’ve beaten Amex/Citi on “total spends per card” parameter. Lets wait and see 😉

Updates to HDFC Smartbuy 10X Program

When the above news kicked in, there were lots of confusion that whether Diners cards are eligible for categories other than hotels/flights. Now they made it pretty clear by adding new TOS for Smartbuy recently.

As per new terms and conditions updated on Smartbuy, 10X points will now be credited for all HDFC Credit Cards having points system excluding, Jetprivilege cards, Corporate/Dealer/Commercial Cards. At the same time the 10X point earning scheme is now not just limited to Flights and Hotels. We have many more categories. Let’s take a closer look at the changes.

Highlights of SmartBuy 10X offer:

  • The categories were you can earn 10X points are
    • Flights
    • Hotels
    • Recharges
    • Bus
    • Shopping Via Flipkart
    • Bill Payments
  • Points will be credited within 90 days of transaction as is the case with Lifestyle. This rule is for all the HDFC Credit cards including HDFC Diners Credit Cards. It’ll be come increasingly difficult to track the extra points now.
  • There is a line, and I quote “Offer is valid for all transactions effected on all categories of SmartBuy website and Payzapp” in the terms and conditions. What they meant by including the word Payzapp is still unclear.
  • Offer seems to be valid till 31st August, 2017. Even though the HDFC Diners Website says that 10X program is valid till 31st July, 2017, this piece of new information in SmartBuy makes me believe that the 10X program is going to be further extended.

NOTE: As of now, Bill Payments facility in SmartBuy is OFFLINE. The message that pops up there is that they are going to reintroduce Bill Payments with some new partners.

What does this mean?

It is immensely beneficial for most HDFC Credit card holders. The categories that have been introduced in SmartBuy can be very useful. For recharges, no website can give you 10X points. Even their own HDFC Diners Website gives 2X points only. When Bill Payments will be introduced, I am pretty confident that Electricity Payments, Gas Payments, Charity and Magazine subscriptions too may be.

In a nutshell, you benefit more than ever with the HDFC Diners 10X program now.

Do let us know your views of the recent changes in the comments section below. What will be your strategy to earn more value from this change and how?

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.

47 thoughts on “Now Enjoy 10X Reward Points with all HDFC Credit Cards on SmartBuy

  1. Ankur Mittal

    For Diners card as well the reward points would be credited in 90 days.

    Here are the terms from HDFC Diners website
    4. Incremental Reward Points will be posted in the next statement from the statement cycle of transaction, except for Lifestyle , SmartBuy which will be posted within 90 days of the transaction month.

    Reply
    1. Abhishek Roy

      Ok. This particular information I might have missed or when I last checked, it wasn’t there. I have added it now. Thanks. So it seems, we will have to wait till 3 months before we get to know the points. It becomes, increasingly difficult to track the points this way.

      Reply
  2. Gokul

    Does this 10X offer RP applies for “Compare and Shop” as well?. If yes, We can use Amazon as well.

    Reply
    1. KK

      Amazon is in their 10x list directly. If you pay with diners card on amazon app/website, 10x points get credited automatically.

      Reply
      1. suresh

        Hi, i had a chat with the cc rep, as per their input, 25000 limit for smartbuy is in addition to 25000 point limit of diners black. So, if you exhausted your diners black limit of 25000, you use buy in amazon through smartbuy. I tried to shop in compare&shop category, before payment, smartbuy is asking for cc details and redirecting it to amazon website.
        So, for diners black cardholders, max 50000 points through smartbuy and 8 10X partners.

        Reply
        1. Siddharth

          Donot take words from phonebankers. They’re clueless of even 10x rewards program.
          Problem is, if they don’t credit the points, you don’t have a proof for that to dispute.

          Hence i would say its just hit or miss.

          Reply
          1. suresh

            True. Its there in Diners terms and condition.
            Maximum total reward points that can be earned per statement cycle across all the above merchants except Smartbuy as below:
            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

  3. Vinod Kannan

    HDFC payment gateway has been added newly in Tamilnadu Electricity Board payment options . So , now you can use your Diners club card for EB payments in Tamilnadu. I hope that TNEB will be added to smart buy and Payzapp also. Also , since RUPAY cards have partnered with DISCOVER , which is also a payment partner of Diners club , now we can expect the Diners Club Cards acceptability to Reach 100% in the very near future.

    Reply
    1. Siddharth

      Nice find on TNEB payments. I’ll get it checked next time.

      Reply
  4. Manu kumar

    Exactly what I’ds the flipkart offer through Smart buy..

    Reply
  5. Abhay Arora

    How to ise flipkart from smartbuy. When we click on it we eventually exit the smartbuy site. Also, it says max points that we can earn is 25000 but for some cards max 10x points limits is low. Like for sdiners oremium its 5000 points. How will it work for both of them ?

    Reply
    1. Siddharth

      Reg. FK, it should be tracked using their affiliate ID or maybe even some other kind of tracking.
      Reg. the limits on diners cards, its not 100% clear yet as both promos overlap!

      Reply
      1. Abhay Arora

        Any update on this? Max limit of points per month. Else i start shopping for 1 lakh every month on flipkart 😀

        Reply
  6. Yash

    Is there a difference between smartpay and smartbuy?

    And if there is – is there a way to convert smartpay payments to those on this portal? (I mean standing instructions to pay bills) – there are many with decent size instructions because of the old 10x offer for this.

    Reply
    1. Abhishek Roy Post author

      I’m afraid they are different and they can’t be converted.

      Reply
  7. MOHAMMED ABDUL WAHED

    Recently hdfc has stop rewards points on e-wallets,
    Does it also effects payz app and is payz app is also includes in 10x points.

    Reply
    1. Abhishek Roy Post author

      I don’t think PayZapp will accrue points. But at this point, it’s a difficult to say. We will have to wait and watch.

      Reply
  8. Nitin Khanna

    Tried Smartbuy for bill payment of Vodafone postpaid 3-4 times…failed on all the occasions

    Reply
    1. Abhishek Roy Post author

      I guess they’ll take some time before they streamline the process.

      Reply
  9. Vineet

    Hi Abhishek,
    Can i use Diners reward points to pay some amount on smartBuy site?

    Regards,
    Vineet

    Reply
    1. Abhishek Roy Post author

      No you can’t. Those points are redeemable only in their Diners website portal.

      Reply
  10. Parag

    How will HDFC identify wallet and non wallet transaction (for eg. Paytm) between loading money in wallet and making direct payment for shopping/bill payment.

    Also is there a list of wallet merchants disclosed by HDFC?

    Reply
  11. Shrey

    Hi Abhishek. Sid.

    Is this 10x points applicable on purchase from amazon if I go via “compare & shop” link on the SmartBuy site? Wanted to make the most of my Regalia card for the Amazon prime sale tomorrow.

    I am a big fan of the blog. Thanks a lot for keeping us updated with such quality content.

    Regards,
    Shrey

    Reply
    1. Abhishek Roy Post author

      See, the worst that could happen is that you might not get 10X points. If you really want to buy something, buy it through the Smartbuy link that you’re talking about. You ain’t at loss anyhow. However, if you’re just buying as you MIGHT get 10X points and thereby get a huge discount, I’ll say don’t do that.

      Reply
  12. Jatin

    Any idea, for Amazon prime day offer today (10/07/2017) there is 15% cashback with HDFC cards. Will we also get 20% (point value) as HDFC diners premium 10x incentives?

    Reply
    1. Abhishek Roy Post author

      I think you won’t get 15%. The terms and conditions of Diners 10X program specifically say that this offer cannot be used with any other offer. So I’m a bit sceptical. Still give it a try and let us know.

      Reply
      1. VISHAL VERMA

        Can I buy using Smartbuy (Amazon) and get10x rewards (Max – 25000 Maximum Reward points that could be earned is 25000 per month on your credit card) It also says “Diners Club Card customers cannot club the 10X benefit with any of the existing programs with the Diners”

        Reply
        1. Abhishek Roy Post author

          You don’t need Smartbuy to earn points from Amazon. Amazon is a 10X partner anyways. Whatever you spend, you get 10X points on Amazon.

          Reply
          1. VISHAL VERMA

            I bought a smartphone Honor 8 Pro 29999 but I can only see 1391 Rewards points on my statement this month. How to check rewards points earned according to amount spent. Something like PayBack.

      2. Rz

        I pinged the amazon CS in regard to this query. He said the 15% CB is a separate entity and the reward point business is separate. The transaction will accrue both CB and RPs.

        Reply
      3. KETAN CHAUDHARY

        it will work bro bcoz if diners card r not eligible they would hve mentioned in ther terms…

        Reply
  13. Prashant Gupta

    Is the site actually working?
    Flight booking failed 7 times
    Airtel postpaid payment failed 2 times.

    Reply
  14. Sahil

    I have Redgirraffe Rent pay set up on an Infinia Card via HDFC Smart pay. Hence does it mean I am not getting 3.3% x 10x = 33% reward points? In that case on a rent of say 1 lakh I get points worth 33,000?!
    Sounds too good to be true!

    Reply
  15. Majumdar

    Looks like 10X is back on DCB with MMT! 5X on other HDFC Cards!

    Regards

    Reply
    1. Siddharth

      Yes it does, got the article live as well 🙂
      Looks like HDFC is enabling all promos they did last year this time.

      Reply
    2. Rush

      Where is MakeMyTrip offer for 10x? I can still see same old list from last month. Or you mean via SmartBuy?

      Reply
      1. Abhishek Roy Post author

        Well, it doesn’t come directly under the 10X partners. It’s a new scheme. You can find more details about it on Smartbuy offers section and on MMT website.

        Reply
  16. Gauri

    I have regalia card so for every 150INR spend on smart buy as per offer i will get 40points instead of 4 or 44points (4points + 10X)

    Reply
  17. jitendra saraogi

    it seems they have withdrawn payzapp from this offer?

    Reply
    1. Siddharth

      Lol. yes. shortly after i wrote an escalation mail. Not sure if that was the trigger 😛

      Reply
  18. AS

    Carnage by HDFC for Diners rewardz and premium cards. Large devaluation. Lounge access over on Rewards card, restricted to 6 for premium card.

    Reply
  19. Vishal Verma

    Now most of the Freebies, rewards value and lounge access is being withdrawn from 15 August… time to change diners club credit card. For ex diner rewards cards – Complimentary lounge access will be withdrawn, w.e.f 15th August 2017.

    Reply
  20. Sreehari

    Sid, only 4 days to go-do you expect the 10X programme on DC to be extended further?

    Reply

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