HDFC 10X Reward Points Program Extended (January 2019 Update)

By | January 2, 2019

While you’re all having a great start of the year, HDFCBank has come up with an update to their 10X Rewards program. Here’s the previous update on October 2018 just incase if you want to compare.

HDFC 10X Reward Points Program – Jan 2019 Update

1. Diners 10X Partners

  • Extended till: 31st March, 2019
  • Upper Cap: 2K for Diners Rewardz, 5K for Diners Clubmiles/Premium & 25K for Diners Black
  • Upper Cap Reset: Statement Cycle
  • New: SOTC txns limited to packages and so no flights/hotels
  • New: Purchase of Gold Coins & gift cards excluded in TatacliqUber transactions done internationally are also eligible for 10X Rewards as per this programme. Source
  • Point will be posted: in next statement cycle

2. Smartbuy Offer

  • Extended till: 31st March 2019
  • Upper Cap: 25,000 Points
  • Upper Cap Reset: Calendar Month
  • This Covers: Flights, Hotels & Flipkart/Amazon via Smartbuy
  • This Offer is also applicable on Non-HDFC Diners Credit Cards like Regalia, Regalia First
  • Note that Gold coins & gift cards are clearly excluded on all merchants going forward.
  • Point will be posted: 90 working days from the date of transaction. In reality, its getting posted by first week of the following month except for Amazon which takes 90 days.

3. International Transactions

10X points on International Txns has been discontinued for now. They “may” restart again during the next holiday season or anytime soon, as they still did not remove that section on Diners Privileges.

Bottomline

HDFC bank’s 10X program is the best rewarding program for availing accelerated points on select merchants and it continues to be great even after the current update. Happy spending until March 2019!!

What’s your take on the recent changes with HDFC Bank’s 10X offer? Feel free to share your thoughts in the comments below.

65 thoughts on “HDFC 10X Reward Points Program Extended (January 2019 Update)

  1. Sourav

    Hi Siddharth,
    Is 10x discontinued for international transactions? Which one should be beneficial now for international spends – Hdfc Diners Black or yes bank preferred ?

    Reply
    1. Siddharth Post author

      Diners black when topped up with Global Value program.

      Reply
      1. Sourav

        Swipe will be on an eductational website and nothing related to travel. So, the Global Values program is not of use. Since the 10x reward points are not there and Yes Bank preferred has slightly lower mark up charge, I am thinking of going with Yes Bank. Let me know your views.

        Reply
      2. Hardik Parikh

        The Global value program website mentions that it is applicable to a few select cards and the diners club cards are not a part of them.

        Reply
  2. Rinky

    Diner club always have higher forex conversion rate compared with visa/master top it with global value it is only good for diner club black holder for others they get better reward rate with yes first 1.75 fee

    Reply
  3. VYOM AGGARWAL

    wHAT CAN BE THE ALTERNATIVE TO GOLD COINS TO ACCRUE POINTS?

    Reply
    1. Mohit singhal

      Were you buying gold coins with the card to accrue points? What did you do with those coins? Can you sell those to a jeweller? I mean, shouldn’t we buy products only for end use and not for reselling (as per the tnc of all sites) ?

      Reply
  4. Mehul

    Where is a clear exception for gold coin on flipkart mentioned…. I could only see the gold coin exemption mentioned for amazon.in (on the dedicated amazon.in page) & tatacliq (on diners privileges)…. there is no such exemption mentioned for the dedicated flipkart site if i am not wrong!!!

    Reply
  5. Ccgeek

    Deletion of 10x on international spends is a bummer 🙁 seems like the honeymoon is finally coming to an end.

    Btw is there a way to track bonus reward points. I always have a feeling that there is something fishy with their math.

    Reply
    1. ravi

      Never had an issue with 10x for the past 1.8 years. They are always added with clock like precision

      Reply
  6. Garima

    I received 10x points for gift voucher purchased from Amazon in Oct.

    Reply
  7. Ravindra Saini

    I have a query about EMI transaction on Flipkart under 10X program. If I buy iPhone (Price 1.1 Lakhs), will I get 9,777+9,777+9,777 (Total 29,333) rewards points when I use Regalia with 3-months interest free EMI? OR will I just get 25,000 reward points which is the cap for a month?

    Reply
    1. Siddharth Post author

      Technically 29,333 as they credit points when its charged to ac. I’ve been waiting for a while to do the same 🙂

      Reply
      1. Avinash

        That’s one way to beat it. U get points for when the transaction is posted to the card. U can beat the 25K limit by paying a little for GST.

        Reply
  8. Rohit

    Got the points for a Amazon transaction i made 2 months back, At that time Amazon was not a direct 10X partner and i had to do creative searching on Smartbuy compare and shop. Bought car tyres Michelin Primacy 3ST by searching by speed rating”91V”, Nothing else was giving the search result i wanted and the price at that time was too good to be missed as imported tyres tax has increased now along with weaker rupee has resulted in 10% higher prices for imported tyres.

    It is good to see that Amazon process has been simplified a lot after the launch as 10X partner now with direct link but still if there is same product on Flipkart at the same price then i go for flipkart as there is dedicated website, we get SMS after transaction and points are also deposited fast for Flipkart transactions.

    Reply
    1. Shrey

      Yes,but when i was in us i had to switch to us app store and re install the app maybe there is a bug and initially uber scans the card to save it there wasnt an option to manually enter the card details and diners club black is not easy to scan once yo are done with this it will work like charm also try to use promo code if you buy a new us sim card it will give you upto 25dollar off depending on offer

      Reply
      1. Siddharth Post author

        The surprise i got recently is my HDFC card when used in Singapore Uber got charged in local currency, while my friend’s HDFC card got charged in INR equivalent at XE conversion rates, no markup fee charged on that. Anyone got an idea as to how to achieve the latter?

        Reply
        1. Shrey

          I did that ls possible only with android but if I mention it here it is likely to get exploited and finally fixed.

          Reply
  9. Abhi

    A very minor change, flight tickets bought on smartbuy now attracts a proper convenience fee (I was charged Rs 326, I think it should be same irrespective of transaction value.) Earlier it used to be Rs0 or Rs1

    Reply
    1. Manohar

      I think its based on the type of Card you use. I see still no convenience fees on Diners Black.

      Reply
      1. Sharathkumar Anbu

        Hi @Manohar,

        I have tried with Diners black, but when it goes to the Payment page, It automatically adds 236 rupees as convenience regardless of the card.

        Are you sure that there is no convenience fee? Are you talking about smartbuy or reward points redemption site?

        Reply
        1. Rohit

          In Novermber i was charged Rs 236 as convenience fee on Smartbuy , the card was Diners Black. but on December 20 i got an email from HDFC saying that convenience fee will be only Re. 1 on Smartbuy bookings. Looks like they are changing this every few days and that is why we are getting different experience from everyone booking on different dates.

          Reply
      2. Abhi

        I am also using DC Black.
        @Rohit, I never got charged more than Rs 1 before. But then maybe I did not book anything when they introduced charges 🙂

        Reply
  10. Sheetal

    Quick question on Amazon procedure – can you add all “eligible” products on Amazon to the Cart, and then go to Smartbuy linked amazon page for checkout of all of them and be fine for 10x rewards? OR do you need to add each product from the Smartbuy linked amazon page only? The latter option sometimes is a problem since Amazon opens a new tab for new products when you search for products in the categories!!
    HDFC customer care hasnt responded to this to me yet. The process works with flipkart without any issues!

    Reply
    1. Rohit

      Do not add anything to cart beforehand !! First disable all the adblock, tracking blocker browser extensions if you use, then go to smartbuy page, then use the Amazon link and add all the products one by one, it will be tracked and you will get points.

      Reply
      1. Manohar Aravapalli

        Hi Rohit,

        you mean to say that if don’t use the link in SmartBuy page, those purchases wouldn’t be considered for points accrual? Are you sure About this.

        Hi SIdh, Hi Everyone,

        Can anyone of you comment on this.

        Reply
        1. Binay

          Yes, its an issue sometimes with tracking, first empty you cart, disable any adblockers, then go to smartbuy and navigate to Amazon from it.

          Reply
  11. Ahijeet Apte

    Restrictions on Gold Purchase on Tata Cliq is effective from 1st Jan ? Coz I have not seen this restriction earlier. How many days typically it takes to get the RPs posted to account ?

    Reply
  12. Rajeev

    Hey guys – Sorry, piggybacking on this post as had been thinking to ask this question since some time. I have been holding Diners black for an year. But my limit is very low, only 1.5L. Does anyone else have such a low limit ? Could it be because I have another old card from hdfc (moneyback) with the similar limit ? Not sure how to get it increased as website doesn’t show the option. Will surrendering moneyback help as I am anyhow not using it ? My other cards have limit of 3L (yes preferred) ,3.75L (amex), 3L (icici/amazon). I was issued card on basis of payslips which met their montly salary critera.

    Reply
    1. Sharathkumar Anbu

      Hi Rajeev,

      I think you may request to transfer the credit limit from Money back card to Diners black card. I just wonder if they even issue Diners black with 1.5 L limit.

      I heard that the minimum limit was 4 Lakhs when I was issued with Diners Black after upgrading from Jet Airways Signature credit card.

      Reply
      1. Priyansh Modi

        Yeah. Even I was shocked to hear the credit limit here.
        I have a diners club premium, and my limit is 3.75 lakhs (trying hard for DCB).

        So a 1.5 lakh limit seemed insane unless someone manually asked to keep limit low

        Reply
        1. Rajeev

          Thanks Sharath and Priyansh for the replies. I will contact the bank for the limit change. May be surrendering the other one will help.

          Reply
    2. Chintan Dholkiya

      You can manually request to upgrade through sending an acknowledgement letter to Chennai. Won’t be an issue for you.

      Reply
  13. Kumar

    I didn’t get any point still for amazon transaction, from October, when will point getting credits ?

    Reply
  14. nk

    It’s impossible to keep track of points. Some points are credited next month and other take longer. Although I take screenshot of all Amazon and Flipkart purchases but I don’t know which transactions were missed by HDFC to provide points.

    Reply
    1. Binay

      You can contact HDFC Customer care for the list of RP , but yes, its a serious issue with this reward system.
      HDFC not working on this actually scares me, because they might discontinue it if they are not working towards it.

      Reply
      1. Abhijeet Apte

        HDFC Super Premium Card number ( Dedicated for Infinia and DCB ) is extremely helpful to know RP and anything that you may want to know about your transactions / offers and their details etc. ( Please note that anything related to concierge and points redemption related stuff will be answered by the concierge team mentioned on hdfcbankdinersclub.in / com site and not by this number. )
        A call to the dedicated super premium card number , will give you RP posting per transaction. Eg . You may ask about a specific transaction’s RP and the people are couteous enough to respond with exact points and the date of posting.
        As per my knowledge , there is no issue with RPs and its logic and it works everytime.

        Reply
  15. ANKIT

    Did anyone had experience of Golf course access via DCB. Apart from green fee waiver, what else is complimentary (i.e. cart, club, gloves etc.) and what are chargeable….Do share your experiences ?….

    Reply
  16. L K

    Not receiving any smart buy transaction of amazon what is time line to get points?

    Reply
  17. Shiladitya

    I recently bought international flight tickets worth >1Lakh on smartbuy website using compare and fly through DIners Black card. My statement cycle is 17th of every month.
    WHen should I expect the 10X points to be credited – In Jan 17th Statement? Feb17th Statement?
    OR, Feb 1st irrespective of the statement date?

    Reply
  18. Abhijeet Apte

    I am not able to see any international hotel listings on smart buy. It seems that they have stopped international hotel bookings as well.

    Reply
  19. Vaibhav Taranekar

    Do we have proper information regarding e wallet transaction reward points? will they provide RP for direct card transactions instead of using add money or have they completely stopped it?

    Reply
    1. Prashant Gupta

      No points on any type of wallet transaction whether wallet loading or paying via wallet gateway.

      Reply
      1. Sudarshan

        You can pay using PAYZAPP wallet promoted by HDFC to get reward points and 10% cashback

        Reply
      2. Vaibhav Taranekar

        do we have any alternative to earn RP for paying electricity bills? does the payzapp app yield RP for paying through credit card?

        Reply
        1. Sudarshan

          yes… Transaction through Payzapp app can give you reward points and flat 10% cashback (limit – 250 per month).

          Reply
      3. Abhi

        Actually, a little while ago I did get RP for loading YesPay wallet (I think, as there is no sureshot way to track, but without counting RPs from that transaction it wasn’t matching up.)

        Reply
        1. Srikanth V V

          Couple of months backs, i have paid a LIC policy using diners card in paytm and got the reward points. That is the only transaction done in that month on that card and havn’t done any transaction in the previous 3-4 months (so no chance of bonus rewards also).
          I am not sure what is the status now.

          Reply
  20. JAGAN

    Hi Sid,
    Using smartbuy, paying electricity bill via amazon is eligible for 10X rewards?, let me know thanks.

    Reply
    1. GTMAX

      Copy pasting T&C from Amazon Link on Smartbuy website.

      10X rewards under this Offer is not applicable on purchase of:
      a) Amazon Pay balance
      b) Xiaomi phones: Mi Max 2 (32 GB), Redmi Y1, Redmi Y1 Lite, Redmi 5, Redmi Y2, Redmi 6 Pro, Redmi 6A
      c) Samsung phones: J3, Galaxy J5
      d) Apple phones: iPhone 6S and below models
      e) RealMe phones: RealMe 1 (3+ 32 GB | 4+ 64 GB)
      f) Honor phones: Play, Play AI
      g) Gold and Silver coins
      h) Gift Cards including Bank cards (Such as RBL and ticket compliment GCs)
      i) Axis Bank and Joyalukkas Gift Vouchers
      j) Bill Payments and Recharges
      k) Prime membership

      Also, EMI transactions on Amazon do not accrue any reward points.

      Reply
  21. aka

    on a different tangent , did any body get the Rs 500 voucher of BMS/Lifestyle for a spend of Rs10 K in the period w.e.f 31st Oct-08th Nov.,2018 ! Mine is yet awaited.

    Reply
  22. Kalyan

    I have Business Regalia First card. Am I eligible for amazon 10x points on smartbuy?
    I am a bit skeptical because in the terms and conditions of smartbuy website it is written “Corporate Cards, Commercial Cards, Dealer Cards, Distributor Cards, Value Plus Cards, Jet Cards are excluded from the promotion.”

    Please help.

    Reply
  23. Maulin

    Hi Siddharth,

    Do banks give a separate statement for points on request?

    If not why don’t they?

    Reply

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