Get 10X Points for ALL Spends till 31st Jan with HDFC Bank Credit Cards

By | January 22, 2018

HDFC Bank is one of the best banks to have credit cards with. The single reason is the generous 5X, 10X programs that goes on from time to time on HDFC Bank credit Cards. Till now we have seen the offers to be tied up with specific merchants. But now the bank has lowered the bar for earning RPs. From 15th January 2018 to 31st January 2018 if you spend a minimum of ₹15000, then you qualify for 10X points on all your spends during this time.

Salient features of the 10X offer:

  • The minimum spends: ₹15000 to qualify for the offer. So if you spend less than that so you get only 1X normal points on your spends. The moment you cross ₹15000 spends, you qualify for extra 9X points.
  • The offer is on ALL spends. The email that came up specifically mentioned the word “online” wrt the spends of ₹15000, however, if you go to the detailed SmartBuy page, it mentions “retails spends”. It doesn’t mention “Online”. It’s therefore safe to assume that this offer is valid on ALL purchases. However, to be on the safe side, it’s recommended that you do ₹15000 online to qualify for the offer.
  • The 9X RPs will be posted by 30th June 2018. (too long to wait for)
  • Maximum: 10,000 points
  • If anyone has more than 1 HDFC Credit Cards then they’ll have to call HDFC Customer care to know on which card they can avail this offer.
  • Source: link

With this you have a lot of 5X and 10X offers going on for HDFC customers.

  • 5X points on merchants like Caratlane, Bigbasket etc for all HDFC Credit Cards.
  • 10X points on Smartbuy purchases for all HDFC Credit Cards
  • 10X points for partner merchants for HDFC Diners Credit Cards
  • 10X points for ALL international transactions on HDFC Diners Credit Cards.
  • NOW, 10X points on ALL HDFC Cards on ALL spends till 31st Jan, 2018 provided you cross the minimum threshold of ₹15000.

This is a relatively low threshold and an easy target to gain 10000 RPs. For users having HDFC Diners Black or HDFC Infinia, this is a cool ₹10000 in the form of points. For people holding the new HDFC Diners ClubMiles card, this is an opportunity to earn a cool 10K miles. Remember, on cards like HDFC Diners Rewardz, ClubMiles and Premium, usually, there is a 2000 RPs or 5000 RPs limit with 10 X partners. However, through this offer, all cards can earn upto 10000 RPs. So make the most out of this.

UPDATE: It seems a targeted offer. They have updated their terms saying you have to spend online/offline based on what communication(email) you received.

How do you find this offer? Isn’t HDFC has started being very aggressive after the recent onslaught by Yesbank running equally good offers? Please leave you comments below.

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.

132 thoughts on “Get 10X Points for ALL Spends till 31st Jan with HDFC Bank Credit Cards

  1. Anil Singh Bhati

    So if I spend on Tata CLiQ using DCB card, will I get 19x points?

    Reply
    1. Abhishek Roy Post author

      Difficult to say as of now. But I think 10X plus 9X/10X is not possible

      Reply
  2. Gaurav Taparia

    Is this in addition to the benefits on Diners Card? As in if I am doing these spends on 10x partner merchants or through Smartbuy, will I get 10000 points over and above the existing limit of RPs if my spends during the entire stmt cycle accumulate RPs higher than the existing RPs limit.

    So if I do all the spends on 10x merchants, will I get 35000 RPs instead of 25000 on DCB for this month?

    Reply
    1. Abhishek Roy Post author

      Well, I personally don’t think you’ll get more than 10X on Smartbuy, however you just keep spending where you have to. Through this offer you are guaranteed 10X anywhere. But I don’t think you’ll get 10X plus 10X of you spend on say Smartbuy or Bigbasket.

      Reply
      1. Gaurav Taparia

        Hi Abhishek,

        My query was not with respect to accumulating 10X plus 10X and hence 20X. This definitely is highly unlikely.

        However, for example, if I happen to make all spends of 1,05,000/- on Diners 10x partner merchants or through Smartbuy in this statement cycle, will I be able to get 33% of that, i.e. 35000 RPs (25000 RPs regular + 10000 RPs of this offer) or in that case it will be capped to the regular limit of 25000 RPs and I would not get any benefit out of this offer.

        Also, will these 10X points be accumulated for online rental payments through credit card in this month. If that is possible, it will be a big plus. In that case, will make an advance payment for next month rent 😀

        Reply
        1. Abhishek Roy Post author

          Yes. It can be done for any payment including rentals. You should be getting 25K. But you’ll have to ask the HDFC cc for that

          Reply
  3. Doney

    Just confirmed with Customer care regarding the Bigbasket offer – 5X and 10X (if total spends are more than 15K in the offer period). Cheers !!

    Reply
  4. Rahul

    Hi ABhishek

    Let’s say I spend 30000 on a 10X partner thus getting 10000 points. Than I spend another 30000 on Non 10X partner, will I get 10000+10000 = 20000 points or the the total points are capped at 10000 ?

    Reply
  5. Gokul

    I have paid phone/broadband bills around ~15K through PhonePe using my HDFC credit card. Does this transaction qualify for 10X rewards?

    Reply
    1. Shrey

      15k???? Points baad mei dekha sir if you switch to better plan you can bring this bill down to less than
      Half 😂

      Reply
  6. Prashant Gupta

    So here is a situation. yesterday i booked a ticket on MMT for Rs.19.5K using HDFC 5X promotion. So now will i get 10X points or 5X points?????
    In T&C its mentioned “No two offer may be clubbed at any given point.” …………So will 10X override or 5X……..:-)

    Reply
  7. Prashant Gupta

    Also technically on Diners Black we can shop till RS.33K for 10000 points, so if i get 5X will thies be part of the threshhold. Which i believe will not be be?????? very confusing…..

    Reply
    1. Siddharth

      Sometimes you can double dip when its a spend based offer. But just make your mind that you’ll get lowest and anything above is bonus 🙂

      Reply
    1. Shasidhar

      Hi Rahul,
      I got the offer email after I purchased an item through Smartbuy – Compare and Shop on Amazon where I had to give my phone and last 4 digits of the HDFC card number on the Smartbuy website.

      You could try it that way and check if you will receive an email with the “offer”.

      regards,
      Shasidhar

      Reply
  8. Sanjay

    I have both regalia and dcb.
    a) i have not received the email. Am i still eligible for the offer. As per t&c, it seems all are eligible.
    b) called hdfc customer care. They said make spend on any one credit card and you will get reward points. They didn’t have answer for case where I make eligible spend on both the cards. They helpfully said that only spend on DCB this month to avail max benefit.
    c) if I pay my rent using DCB, is that considered online spend? Not sure on categorization.

    Reply
  9. Raadhakrishnan R

    Is this open to all HDFC diner card holders? I haven’t received any email from them yet!

    Reply
  10. Sourabh Girdhar

    I got a different offer on my regalia –
    Dear Sourabh Girdhar ,
    Enjoy a whole lot of surprises on spends with your HDFC Bank Credit Card ending xxxx.
    Get Rs. 250 AMAZON Voucher on transacting 4 times
    Valid up to 31’st Jan 2018

    Has everyone received the 10x offer or this is only for those who receive the email?

    Reply
  11. Deep

    Does the limit of 15000 include payment towards insurance, utility bills, and mobile bills? Is there any separate policy for insurance payments like fuel payment does not earn any RPs.

    Reply
  12. Prashant Gupta

    The offer is not applicable to all as per following terms on smartbuy:
    “15) Above offers is by way of a special offer for select HDFC Bank Credit Card members only and nothing contained herein shall prejudice or affect the terms and conditions of the Card member agreement. “

    Reply
  13. Shrey

    Has anyone tried paying on tatacliq via JetPrivilege account free miles+diner points combo🔥

    Reply
    1. Majumdar

      Shrey,

      I have in the past recd both JP Miles and 10X rewards points on purchases at Bigbasket and Amazon. Should work for Tata Cliq too

      Regards

      Reply
  14. Prashant Gupta

    So just spoke to Cust care. The offer is for all and not specific to some customers.

    Reply
    1. S&S

      Thanks for the effort!
      I am happy that we are all heartily believing the oft thrashed hdfc customer care reps. 🙂

      Btw:
      Have DCB and haven’t received comms of any sort.

      Reply
  15. ravi

    Would wallet transactions count towards the 15k spend? If no, then are amazon pay and amazon transactions differentiated by HDFC?

    Reply
  16. Majumdar

    A Roy Dada/Siddhartha,

    I have a feeling that for the next week or so you guys will have to drop your day jobs and play full time consultants to HDFC Card holders…..

    Regards

    Reply
  17. DR.HARDIK PATEL

    Wallet loading considered retail spend? Like i load into paytm wallet 20000 for general spend and fuel? Please reply as soon as possible….

    Reply
    1. Doney

      You can pay fuel by PayTM and get reward points. Make sure you are not loading your wallet prior to the transaction. Let PayTM load you wallet from your HDFC credit card by OTP/password.

      Reply
      1. Abhishek Roy Post author

        I won’t advice this. These days HDFC doesn’t give any points for any transaction on paytm.

        Reply
        1. Doney

          I did a fuel transaction by scanning PayTm QR code this Sunday and got the rewards points credited today morning. I was not loading PayTM wallet. PayTM loaded the wallet itself to complete the tranaction by taking money from my HDFC credit card. Again I got 0 .75% instant PayTM cashback also for this transaction.It is working for me.

          Reply
          1. Abhishek Roy Post author

            Good for you, but incase you hadn’t got the points had escalated to the CC, they would have denied crediting any points. This has happened to many users for non wallet recharge txns on Paytm.

          2. SH

            What he is doing here is using Paytm as a network or a PoS. I think that’s valid.

          3. Doney

            UPDATE:- HDFC deducted those points which were added yesterday.

          4. Abhishek Roy Post author

            I told you. It’s safe to not use HDFC Cards with any type of transaction on Paytm, be it merchant payment or wallet recharge. They just don’t consider it at all. That’s why I use only Yesbank cards that we have with any kind of wallet transactions.

          5. Doney

            Yes, you are correct. Normally I use my AMEX Membership Rewards LTF card to recharge PayTM 1000 X 4 times to get those 1000 rewards points. I then use PayTM for my petrol expenses. AMEX is the only way I can get something for my fuel expenses.

      2. Prashant Gupta

        Any transaction on any wallet will not get points. Its best to use other bank card.

        Reply
  18. Majumdar

    Spoke to a customer care executive and here are the salient points FWIW.

    1. These 10x RPs are only for those items which are not already 5X/10X.
    2. This is a targeted offer- while all customers get 10X, some customers get 10X only for online spends, others for all, the T&C is as per targeted mail.

    Regards

    Reply
      1. Gaurav Taparia

        As per my interaction with 2 customer care reps it is not for all. It is applicable only if you have received an email. And that they will be sending out this offer email till tomorrow to eligible customers.

        Reply
  19. Himanshu

    Is this offer valid on Flipkart and Amazon as sales are going for both. BTW have Regalia card. I didn’t got any mail from the bank.

    Reply
      1. Garima

        They updated the terms in conditions now it’s online/offline as per communication in mail.so those who received online has to do spend online only.

        Reply
          1. Jeet

            Wouldn’t that mean that only those who received the e-mail will get the points? Otherwise for those who did not receive any e-mail what is the criteria? Online or offline or both?

          2. Abhishek Roy Post author

            It is unclear as of now. It seems, those who did not receive the email MIGHT not be eligible for this offer. The HDFC CC guys are themselves confused. To some readers they said it’s for all customers. To some readers they said it’s for only those customers who received the email. MY bet will be to spend as you were going to do. If you get extra points, that’s your luck (for those who haven’t received any email communication).

  20. Narinder Pal Singh

    Guys, a simple question, I am having Regalia First, usually every 150 gives 4 reward points. Does 10X means 40 reward points per 150?

    Reply
    1. Abhishek Roy Post author

      Yes. Considering your total spends between 15th-31st Jan should be minimum ₹15K

      Reply
  21. Thomas

    How does the amazon 250 voucher in 4 transactions work. I got same email. For how much should we do meaning can It be 4 transactions of 50 or is there a minimum amount. No additional details in email.

    Reply
  22. Rahul Kashyap

    What is the meaning of “all retail spends” ?
    Does this include fuel, utility bill payment, e wallet loading ??

    Reply
    1. Abhishek Roy Post author

      Fuel and wallet recharge won’t credit anything. Those are not retail spends. Utilities you should be fine.

      Reply
  23. MOHAMMED ABDUL WAHED

    He’ll everyone,
    Is it possible to get upgrade my money back card to regalia along with getting Dinner club card,
    They are asking scan copies of itr for reviewing but there is already two credit inquiry is done by kotak credit card to increase my credit limit and they increased it and i have applied for hsbc card but they denied and my credit score is 735 checked on credit mantri.
    I have a gross itr of 6lac.

    All your replies are valuable.

    Reply
  24. Satish Agrawal

    One may try to purchase anything on amazon via smartbuy and see if they get 10% cashback during Amazon Great Indian Sale from 21-24 January as well as 10X reward points via smartbuy. I think one should get both.

    Reply
    1. Majumdar

      Satish,

      One may try to purchase anything on amazon via smartbuy and see if they get 10% cashback during Amazon Great Indian Sale from 21-24 January as well as 10X reward points via smartbuy. I think one should get both.

      You can add JP Miles to this deadly cocktail. All you have to do is to install that JP status bar and click it once you are directed to the website.

      Regards

      Reply
      1. Jeet

        Majumdar, have you tried this? That’s like triple dipping. Amazing! Does it work? And what’s this JP status bar? Where can I download it?

        Reply
      2. Siddharth

        JP Miles part cannot work. Even if it does luckily, you can’t legally demand HDFC for the 9X points. Remember, HDFC is also popular for revoking the points when they find that it was added by mistake.

        HDFC is able to give 10x partly using the affiliate fee that they get when you buy through smartbuy link. But when you try to triple dip, the HDFC cookie will be overwritten by Jet!

        Reply
        1. Majumdar

          Siddhartha,

          You are right. Triple dipping didnt work, I tried last evening. As you said, the cookie got overwritten. But double dipping i.e JP Miles + 10x works with normal 10x partners like Bigbasket and Amazon (in the past when it was 10x)- I have got both sets of points.

          There is another possibility of getting JP miles on smartbuy although I havent tried. You can buy a flipkart gift card through smartbuy. Later you can logout and use GC to load flipkart wallet. Then check in through JP website and do purchases using FK wallet.

          Regards

          Reply
          1. Jeet

            Do Flipkart gift cards count/qualify under SmartBuy? Have you checked if they have any terms and conditions that disqualify such a purchase?

  25. Joseph

    Darn
    Just spend 17000 on my debit card (instead of using my regalia first cc) a couple of hours back.. 🙁
    Why didn’t I open this site earlier..

    Reply
  26. Ashu

    Hi Abhishek and Sid,
    I want to make my LIC policy payment but Diners card is not accepted. There are some wallet options available such as Jiomoney, Airtel money and UPI. Can I make use of those and still get 10x points?
    Please reply. Thanks in advance.

    Reply
    1. Abhishek Roy Post author

      See, Jio Money and Airtel Money transactions might be counted as wallet recharges. So you might not get any points from HDFC. Out of these, only Jio Money supports Diners. Airtel Money doesn’t supports Diners cards.

      Reply
        1. Ramesh Kumar

          You can pay insurance bill(including LIC) through HDFC register & pay using Diners cards, but charge of Rs.10+GST for non auto pay bills. Additionally you’ll get 1% cashback upto Rs.150 per statement apart from reward points, also can pay through HDFC smartpay.

          Reply
          1. ashu

            Thanks for your reply, but will register & pay consider for 10x points?

          2. Ramesh Kumar

            As per my experience, in past for milestone based spendings, they considered register & pay transaction also. And as per TnCs, it’s mentioned as all spendings, so I think they’ll award 10X. Maybe you can confirm with CC, if you want.

          3. Ashu

            Thanks Rajesh for your reply!!

            Actually I register my LIC policy in “HDFC Register and pay” but I dont see pay now option, so i guess I will be able to pay only when next billing cycle runs. Also I did one test transaction on Jiomoney worth Rs. 150 and for that I got 1x points = 4 points. So I believe if I pay LIC bill through jiomoney I will get remaining 9x points also. I am keeping my fingers crossed 🙂

          4. Ramesh Kumar

            Pay now will be enabled, when there is payment due for that biller or within 2-3 days after adding biller. I would recommend to avoid wallet transactions on HDFC credit cards, because they’ll award and can revoke the same any time(even after 3-4 months) saying it’s awarded by mistake and you’re not eligible for this transaction. It’s happened few times for me in the past(in the name of reward adjusted), maybe many times went unnoticed.

  27. Deepak

    Received below SMS from HDFC Today. It is offering 10x RP @Amazon via SmartBuy on Diners Black card.
    SAVE upto Rs.30,001 on iPhone X! Shop @Amazon via SmartBuy with Credit Card xxxx & get 10X RewardPoints + EXTRA 10% CashBack. Shop now: bit.ly/Smartbuy10X T&C bit.ly/Dec2Jan

    Reply
    1. S&S

      Smart buy now showing Amazon pop ad which speaks about
      ~ 10% discount with hdfc bank cards
      ~ 10x RP/ 5x discount
      ~ 21-24 Jan being the eligible dates to purchase
      ~ Filling up last 4 digits of the credit card and phone number takes you to the Amazon site.
      Rest is usual 🙂

      Reply
  28. sepe

    Hello,

    Could you please confirm if the total shopping during this period should exceed 15k or individually if i do 5k (4 transactions) still i am eligible for the offer?

    Reply
    1. Abhishek Roy Post author

      Total should be Rs 15K. Means individually say 4 times you do txns of Rs 4K each still you are eligible.

      Reply
  29. Arul

    I did not get any offer email, My card is Jet Co-brand card. will I get 10X Point?

    Reply
  30. Jeet

    Will primary card + add-on card put together be counted as one? Or does it have to be that only the primary card or only the add-on card alone should cross 15K in spends?

    Reply
    1. Abhishek Roy Post author

      Primary plus add on I guess. Until it is mentioned specifically that only primary card purchases will be counted you can be rest assured that both will qualify.

      Reply
  31. ashish

    I have never received HDFC promotional emails and I have an Infinia credit card. As per cc, the offer is applicable only to those who received communication.
    I am still going ahead with the spends above Rs 15K (both online/offline) with crossed fingers! Haha 😉

    Reply
    1. Abhishek Roy Post author

      It might be that sometime in the past you had unsubscribed from their promotional emails. Happens with many users.

      Reply
      1. GTMaX

        Hi Abhishek,

        If you can kindly help with the email ID through which they send promotional emails. I have not received even a single promotion email from them in the last 2 years.

        Reply
        1. Abhishek Roy Post author

          Most of the promotional emails we receive are from ClassicBanking(at)mailer(dot)hdfcbank(dot)net. I am sure those who have Preferred status or Imperia Status would be receiving too.

          Reply
          1. nithish

            Im Having preferred status and i never recieved any promotional mails.

  32. Kc

    I received this mail from PreferredBanking(at)mailer(dot)hdfcbank(dot)net

    Reply
  33. Prashant Gupta

    i get mails from yourcreditcard(at)mailer(dot)hdfcbank(dot)net

    but havent received this offer on mail.

    Reply
  34. sepe

    Hello, Can i go and swipe the card at any shop for over 15k to get eligible?

    Reply
      1. sepe

        i didnt receive any mail, so not sure even if i am eligible for online/offline or nothing.

        Reply
        1. Abhishek Roy Post author

          Just spend normally as you would. Don’t expect anything. If you do get then it’s bonus.

          Reply
  35. sepe

    Hello Guys,

    I got the mail just now, 10x rewards points for spending more then 5000 instead of minimum 15k

    Reply
    1. Abhishek Roy Post author

      Yes, it is a similar campaign, the only difference is that spending threshold is Rs 5K.

      Reply
  36. Sanjay

    I also got a message for 5k spend. Unfortunately, it is for my regalia card and not diners black :(.
    I am still doing primary shopping on diners in hope that I will get 10x points.

    Reply
  37. sanemate

    On separate lines, in four months back months I spent 75k on my DCB for buying gift vouchers on Flipkart through smartbuy, I haven’t got the points yet. Would this be counted as wallet spend too? I used the vouchers to buy stuffs later.

    Because, I bought Amazon vouchers too for normal 10x and I got points for that but not smartbuy yet. I hope the smartbuy 25k and partner 25 were additive to 50k.

    Reply
    1. Shubh

      Please do let us know the process if you are able to successfully re-subscribe.

      Reply
  38. Jeet

    Siddharth and Abhishek, with the sheer number of avenues now to earn 10X points with HDFC, doesn’t it smell like another devaluation is on its way? What are your thoughts?

    Reply
    1. Abhishek Roy Post author

      We don’t think so as the major devaluation has already occurred. Because of the devaluations many people had given up their Diners Cards. The offers might be to grab those customers. Any further devaluation at this moment if happens needs to be done for Diners Black which is very unlikely.

      Reply
  39. Garima

    Very basic question but need confirmation-I want to get my dish TV recharged online. Will I get RP for this transaction. Which site I should use to sure shot get reward points.

    Reply
    1. Abhishek Roy Post author

      you can use Jio money to recharge for tata sky. Many users have confirmed that they do get points for usage of jio money. But still try to avoid Wallets. Let me know if you find an alternative. Just now saw that tata sky official website supports Diners card as well. So your safest bet will be to recharge through their official website.

      Reply
  40. Garima

    If I get Tata sky recharged by payzapp will I get 10x if I complete target of 15000rs. As I am planning to get it recharge for 12 months to complete the online spend of 15000. Or any other place to recharge it to get sure shot reward points.

    Reply
  41. RK

    Win Amazon Vouchers and 2X Reward Points on your Diners Club Credit Card everyday between 1 February – 31 March 2018
    Expires 2018-03-31

    Reply
  42. KRISHNAKUMAR

    Got an offer Grab10X on Rs 15000/- or more for spends between 7Feb to 28th Feb on retail spends..

    Reply
  43. Surya Ganesh

    Diners Black recent information:

    FK smart buy :received 10x points in next the month i.e after statement generation current points added with 9X even for FK Gift Vouchers,Gold Coins etc

    TataCliq : received 10X points in next the month i.e after statement generation current points added with 9X

    Dominos : not recieved, may be have to wait for 90days

    Amazon Smartbuy : not recieved, may be have to wait for 90days

    Reply
    1. HTC Fan

      Could you please let me know how you are tracking the point credits to specific transactions and I am unable to do the reconciliation.

      Reply
      1. Prashant Gupta

        These days with so many offers its very difficult to track points and i feel luck to get points infact. For 10x points i make an excel every month for other offers its bonus if get them as HDFC is not transparent and their CC is pathetic.

        Reply
        1. Abhishek Roy Post author

          I think I lost close to 5K points. I used SmartBuy to purchase Phone from Flipkart in September. Now after nearly 3-4 months they say I haven’t used SmartBuy so I won’t get points. Now what will you say to that?

          Reply
          1. Rohit

            Hey Abhishek,

            I finally got the Smartbuy September points on escalation. I am still following up for 5X points on Caratlane which again was a September offer.

          2. Abhishek Roy Post author

            What did you do to escalate? Did you give any proof?

  44. Rohit

    Received Offer on by DCB Card – 10X offer on spending Rs 15000 Offer Period 7th Feb – 28th Feb

    Reply
  45. sepe

    Guys any idea if the 10x points for the above offer will come in next couple of mnths or in next billing cycle.?

    Regards

    Reply

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