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 and now upto Dec 2017.

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

As per new terms and conditions updated on Smartbuy, 10X points will now be credited for all HDFC Credit Cards (including Diners Cards) having points system excluding, Jetprivilege cards, Corporate/Dealer/Commercial Cards.

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.
  • Offer seems to be valid till 31st December, 2017 (extended from July 2017, then August 2017).

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.

84 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
      1. Debbarma

        AR,
        Those point are also redeemable at HDFC Rewards catalog.
        Click the reward redemption tab in HDFC net banking.

        Those who are clue less when to fly higher, can redeem rewards points on iPhone or Needles.
        However the conversions rate are 1RP = INR .25~0.30 and ratio vary for different card.

        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
  21. Prashant Gupta

    Smartbuy 10X offer extended til december 31 2017. More savings 😊

    Reply
  22. Nitin Khanna

    It seems they have now removed the bill payments and recharge from the Smartbuy page, cant see those options now in the revamped layout. Sid, can you please confirm? Devaluations to continue it seems!

    Reply
  23. Sharad

    Mobile Bill Payment / Recharge no more available on SmartBuy website.

    Is 10X points applicable for all transaction on PayZapp? I would specifically want to know if its applicable on Mobile Bill Payment through PayZapp?

    P.S. I called up HDFC Payzapp helpline and they are clueless.

    Reply
    1. Abhishek Roy Post author

      Yes 10X points in applicable on all payments with PayZapp, however, PayZapp doesn’t support Diners Cards.

      Reply
  24. Prashant Gupta

    so another bad news: recharge and bill payment facility has been withdrawn from smartbuy website.

    Reply
    1. Abhishek Roy Post author

      It seems so Prashant. However this was always coming considering the fact that after the 10X offer was introduced on Smartbuy, they never went live with bill payments.

      Reply
  25. Sharad

    But can we use HDFC Regalia on PayZapp to pay mobile / utility bill and still earn 10x points?

    Reply
    1. Abhishek Roy Post author

      See, you’ll get 10X points only if the payment modality is PayZapp. Means the payment has to be through PayZapp. If you are redirected to some other side and there you chose a different payment options, you won’t get 10X points.

      Reply
  26. Sanjay

    Yesterday, saw that Amazon link is added to samrtbuy. Go into ‘compare and shop’ and scroll at bottom. On clicking on it and proceed, it asks to select 10x offer.
    Does this mean extra 25k points on Amazon via diners card (on top of 25k directly from amazon)?.
    Anyone checked with cc?

    Reply
    1. DEBBARMA

      No, however you can count extra jp miles + diner 10x rewards on clicking Amazon.in in jp priveledge website.

      Reply
      1. ND

        Debbarma, are you aware of this clause “Credit of Bonus JPMiles shall take effect only subsequent to the credit of Base JPMiles earned in accordance with the Online Affiliate Policy available at shop.jetprivilege.com.” Can you throw some light on the same? Have you availed this offer earlier?

        Reply
        1. Sreehari

          Just proceed with the transaction. You will get a mail mail from JP stating how many miles you stand to earn and when it will be credited. Usually this is 75 days after the transaction has been initiated to account for cancellations.

          Reply
  27. Mudit Saxena

    Hi Abhishek, suppose I go to Amazon from payzqpp and instead of shopping I add Amazon pay balance through my HDFC regalia. Will I still get 10x rewards?? If not then how much reward points?

    Reply
    1. Abhishek Roy Post author

      I don’t think so. I haven’t checked. I have a Diners Card so I get 10X for Amazon.

      Reply
  28. PRIYESH

    Hi, can anyone confirm, if we get full reward points for transactions which are not multiple of 150. If I get x points per 150 rs. How much reward points do I get if I do a transaction of Rs 290. x or x*29/15.

    Reply
    1. Abhishek Roy Post author

      It’s difficult to say, you’ll have to see that for yourself when you get those points.

      Reply
      1. Prashant Gupta

        You will get 150/150*5*10
        Points are dor every Rs150 spent not in fraction like earlier.

        Reply
    2. Ramesh Kumar

      I’m using Diners black for past 4 months and my observations as follows,

      For 1X rewards, now it’s only on multiples of Rs.150. I think, recently(from September) they changed formula in their reward system from round(spent/30) to (spent%150)*5.
      For example, Rs.290 spending yield you 10(round(290/30)) reward points before and now only 5((290%150)*5) reward points.

      For 10X rewards(Amazon, BigBasket, RedBus), it’s still the old formula(round(totalSpending/3)*0.9), while they credit the remaining 9X rewards(+1X reward already credited) on next day of the bill cycle.

      For example, if your total spending under 10X category is Rs.10,000, then you’ll get 3,000(round(10,000/3)*0.9)) reward points(+330 as 1X, which is already credited).

      Reply
      1. Prashant Gupta

        For Rs.10000 u will get points on rs.9900 i.e 3300 points and not 3330. I have got like this in last and this statement.

        Reply
        1. Ramesh Kumar

          I received 3,330 points per Rs.10,000 on 10X(330 as 1X after 2-3 days of transaction and 3000 on next day of bill generation).

          Reply
          1. Prashant Gupta

            cant be the case. in my current statement also i got the points same way. You can check yourself by doing transaction of Rs.200 that you will get 5 points and not 6.66.

          2. Ramesh Kumar

            In case of 1X, yes that’s what I am also saying 5 reward points((200%150)*5) for Rs.200. But for remaining 9X getting credited on next day of bill generation, it’ll be 60 reward points(round(200/3)*0.9). In my last statement for remaining 9X(which is getting credited on next day of bill generation), I got 11,587 reward points((round(38,623.82/3)*0.9)) for total 10X eligible transactions of Rs.38,623.82.

    3. PRIYESH GOYAL

      Thanks everyone for the explanation. Still I am not able to match. I recvd ~1300 points less than calculated.It is actually very hard to track points nowadays.

      Reply
  29. Prashant Gupta

    Interesting ramesh. Anyways hdfc have their own ways which we can only guess. I did a ourchase in oifestyle in june and have still not received the points. Raised complainy many time. Same thing happened with one of my earlier lifestyle transaction i got points in 4 monts that too i had to prove those idiots that the offer was there at that time by sending a snapshot of the offer.
    Btw i have been noticing that i am getting some less 9x police nts in last 2 statements. But one is helpless as cut care is pathetic no point of raising issue with them.

    Reply
  30. Divyang Patel

    Hi Abhishek,

    I Have HDFC Diners premium CC.

    As per terms and condition, I accumulate maximum 5000 (10X points) per statement cycle.

    But in HDFC Smarybuy, it mentioned that 25000 Maximum Reward points that could be earned per month on your credit card.

    So, i m confused.

    Pls clear my doubt that, i am eligible after 5000 points in one statement cycle in smart buy purchase?

    For Example,

    In Amazone I purchased one mobile of Rs 18750/- by My diners Premium CC and as per 10x programmed of Diners club premium credit card, I will get 10x (5000 Rewardz Point)

    Now, I purchase or book flight tickets via HDFC smart buy on same statement cycle, so in this case

    Can I eligible for 10X point? bcoz its cross 5000 points

    Reply
    1. Abhishek Roy Post author

      Well, Diners Premium can accumulate 5000 RPs through it’s dedicated 10X partner merchants like Amazon, Uber, Redbus etc. But through the Smartbuy offer ANY HDFC Credit Card including Diners Premium Can accrue upto 25000 RPs over and above the other earning schemes.

      Reply
      1. Divyang Patel

        So, after Shopping of 18750 Rs in Amazone (mens after earning 5000 RP) , If i book Tickets or tour package of Rs 1 Laks through Make My trip, Then I am eligible for additionally 25000 RP ?

        Pls revert.

        Reply
  31. Divyang Patel

    Dear Thanks for revert

    But in Smartbuy page, There is compare and Fly, compare and buy, flipkart etc option is there, if i book via this link then , Can i eligible for 10X points upto 25000????

    If possible, can you share the 10X partner of smartbuy.

    Reply
    1. Abhishek Roy Post author

      Yes, 2 days back I confirmed from Smartbuy people that any link from Smartbuy is eligible for 10X points. But I haven’t confirmed myself by getting points.

      Reply

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