Get 10X Reward Points on Jewellery with HDFC Bank Credit Cards

By | November 2, 2018

As Dhanteras is around the corner, HDFC has come up with its popular 10X promo yet one more time to celebrate this Diwali even better. With this offer, You can now get 10X Reward points on Jewellery purchases with your HDFC Bank credit cards.

10X Reward Points on Jewellery with HDFC Bank Credit Cards

HDFC 10X Points on Jewellery – Offer Details

  1. Offer: Use your HDFC bank Credit card on Jewellery purchase and get 10X reward points.
  2. Type of Txn: Both Online & In-store POS terminals
  3. Offer period: 4th & 5th Nov 2018
  4. Min. Txn Size: Rs.20,000
  5. Max. Points: 10,000 Bonus Points (Maybe: 10K JPMiles on Jet Cards)
  6. Excluded Cards: Corporate Cards, Commercial Cards, Dealer Cards, Distributor Cards, Business Cards, Value Plus Cards
  7. Excluded on EMI transactions.
  8. Fulfilment: Maybe ~90 days from campaign end date
  9. Source

This can save upto 33% if you hold Diners Black/Infinia. Also, as most Jewellers charge ~2% on credit card swipes, it now makes sense to use your credit card for Jewellery purchases as the Points will no only offset the charge but also get you extra savings.

Other Offers on Jewellery Purchases

HDFC Jewellery Offer

  • 5% Cashback on Caratlane. Source
  • 5% Discount on Tanishq. Source
  • 5X Points on Kalyan Jewellers. Source

You can avail above offers along with the 10X points on jewellery to maximize the savings.


This is a sweet deal from HDFC as its not so easy to get points on jewellery purchases in a normal day. So this is the good time to go ahead and do some Jewellery purchases for your wife/mom or the significant other and make them happy while you enjoy the 10X points.

With this 10X Promo on Jewellery & 10X Happy Hours promo, HDFC is very aggressive with their credit card promos as they not only running these awesome deals but also promoting it with celebrities like Taapsee Pannu & Yami Gautam. That’s a whole new level!

What’s your take on HDFC 10X Promo on Jewellery? Feel free to share your thoughts in the comments below.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

33 thoughts on “Get 10X Reward Points on Jewellery with HDFC Bank Credit Cards

  1. Ameya

    Most jewellers in Pune charge extra 1.5% for accepting credit cards. With this offer, it finally makes sense to buy jewelry with credit card

    1. Parth Buch

      Kalyan doesn’t charge extra on Credit Card.
      We just bought some gold from them and they charged the same bill value for cash vs card.

      Though i didnt know the minimum of 15k bill value for reward and missed out on that.

  2. manyam

    I received this offer on mail as well (postal!).
    HDFC also has a running offer for 5X rp at Kalyan Jewellers, with limit of 15,000 rp. Double-dipping can potentially mean a good additional 25K rp!

    1. Jay

      Regarding your plans to double-dip..the T&C for 10k RPs offer on 4&5 Nov state the following

      Max cap of 10,000 Reward points applicable at promotion level no two offers can be combined during the offer period

  3. Majumdar

    Actually my experience in Delhi is somewhat different. Many local jewellers and all the established brands (Senco, Malabar etc) dont charge anything extra on CC swipes. with 10x, it is a sureshot bet.


  4. Prashant Gupta

    the T&C says “Above offers is by way of a special offer for select HDFC Bank Credit Card members only “

    1. Siddharth Post author

      Its for all. Confirmed. You may cross check with DCB support as well, so you’ll have a proof just incase.

      1. S&S

        It shows on smartbuy if one chooses explore offers and ticks 10x offer option.


      2. Mihir

        Do you mean DCB concierge? I called phone banking and they had no such information, they said that just read the T&C on the deals page to make sure your transaction is eligible.

  5. HTC Fan

    The star for this year in terms of offer is HDFC by a long margin. Pleasantly surprised by the HSBC offer as well. Life’s good for shoppers this season!

  6. Shrey

    Is it over and above the apparel and electronic offer or a total of 10000 points during the complete offer period

  7. GTMAX

    This would work even for gold coins purchases. And also for in-store spends, it would be determined basis their merchant category registration with respective card network? For Jewellery stores, I believe there would not be any other categorization and all of them ideally should be registered as Jewellers.

    Please confirm as I will be going ahead and making purchase from a Jewellers store in Tier 3 town.

    Also who is ideally the right person from the store to get this thing clarified??

  8. Mihir

    Did you call DCB concierge to verify this offer? Phone banking had no information, they could not confirm.

  9. Ebin

    My friend was using regalia first card with 30000 credit limit. Called HDFC to upgrade to regalia and the request was denied. Asked if CL increase possible. It is 8 Lakhs now. Hail HDFC…

    1. Captain Bishuddha Bharatiya

      Ebin how your friend went from Rs. 30 thousand to 8 lakhs. Amazing.
      How much was his annual income and how much he spend annually ? How much investment he has with HDFC ?

  10. GTMAX

    Hi Sid,

    Spoke with DCB Customer care. They said that this offer is valid for all HDFC Bank Cardholders however it is valid only for only in-store spends(offer has been listed under instore offers on Smartbuy website). Also, that it is valid only for jewellery and not gold or silver coins. Not sure how the bank is able to figure out from the merchant/transaction that the spend made was on Jewellery and not coins.

    Anyone aware if they are able to find out transaction specific details from the merchant and get to know that the purchase was coins and not jewellery?

    1. Tarun

      I don’t believe they would be able to differentiate. They would not get the purchase details from the store. I believe they are saying this just to discourage people from buying coins

    2. Prashant Gupta

      Customer care said that we can buy anything including coins. But only from shops and not online. They will differentiate basis the merchant registration. I am taking a risk of buying gold coin today. Its too tempting to pass.

      1. Siddharth Post author

        Not worth risking.

        They “may” as usual skip adding points and when you ask, they’ll request a bill. If they see coin purchase on bill, then they’ll simply refuse.

        1. Prashant Gupta

          I asked many time about coin and was told everytime buy anything it doesnt matter. Fingers crossed. Already purchased 10gm gold now 😀.

          1. Malavkumar Patel

            Why risk with jewellery offer?
            I buy gold coin from Flipkart via Smartbuy every month and get 10x points like clock work.

  11. Anand


    Is double dipping allowed if we buy from Kalyan Jewellery stores?. I went through T&C,but no where I found that two offers cannot be clubbed. Can someone please confirm.


  12. Captain Bishuddha Bharatiya

    Today my friend purchased 20gms gold ( Rs. 68,00 ) from PC Jewellers. Lets see whether I get 10X points or not on Regalia First. I wish I had Diners . I would have saved tons of rupees.

  13. Prashant Gupta

    Got another diwali offer from hdfc. Spend 10k between 30oct-8nov and get bms/lifestyle Rs500 voucher. It is a targeted offer.

    1. Rohit

      How did you get that targeted offer? Any way to activate these emails?

      1. Prashant Gupta

        Dont know….i have been getting regular mails from hdfc, maybe i am a regular spender on cards. Do you get emails from Hdfc? If not check with cc.

  14. Prashant Gupta

    Got the 10X points today -10K. Confirmed on customer care. Risk worth taken…….

  15. Rakesh

    I too got 9000 pts on Dec 2nd as I already got 1x points of 999 after the transaction is posted !


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