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.
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
- 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?