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.

182 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. Srinjoy Sengupta

      There is a smart way out. 😉

      You can use your HDFC Credit card to top up your HDFC Regalia Forex card. in that case you will be get 10X reward points with a cap of 5K points per month. Moreover the conversion rate on the forex card is much lower compared markups for transactions done from a credit card.
      I use their Infinia card, hence it is almost a 32% saving if I deduct forex fee, if the transaction value is ~15k INR.
      Will use it to do a train travel booking in Italy.
      Works well for Diners Black too.
      Hope this helps.
      Cheers!

      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
      2. dinersClubGuy

        Looks like it doesn’t work like that. They cap it to 25K anyway. The posting happens every month as per the EMI amount. But they then stop posting points once the limit of 25K is reached.

        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
      1. OP

        I recently observed that Amazon Pay balance is not getting even normal reward point. Looks like they are treating it as any other wallet load which does not get 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
    1. Shikhar Makkar

      Hello aka,

      I haven’t received it as well. Have you received yours? I’m chasing their customer care team but dealing with them doesn’t seem to result in any resolution.

      Reply
    2. raulnayak

      Oh is that what it is?

      I have been getting BMS vouchers every month from HDFC. I enjoyed them but never understood why I got them. The latest one I got on 28th Jan.
      They send an SMS to give a missed call to 2 different numbers for either BMS or Bigbasket vouchers

      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
    1. Shivi

      @ Maulin:

      HDFC and SBI doesn’t. ICICI does on their credit card monthly statement. You can try emailing card’s customer care and request.

      Reply
  24. aka

    continuing my earlier query – ” 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. ”

    I believe nobody has any clue as to when it shall materialize.. how to follow this up ??

    Reply
  25. bb kumar

    hi
    I am not getting any 10X point from transaction done on amazon on October its already 90days passed, purchased some electronic items, so many points are not credited what to do now , where to complain any help for this?
    what is time line generally HDFC post 10X point ?

    thanks

    Reply
  26. aka

    i received the Rs 1000/- BMS voucher for yes bank ( spends 09-31st Dec.,2019) today but am yet to get the Rs 500 voucher of BMS/Lifestyle for a spend in HDFC card of Rs10 K in the period w.e.f 31st Oct-08th Nov.,2018 !

    Reply
  27. Chintan

    Hi, in HDFC Diners club privileges it says one can earn maximum 5000 Reward Points with DC ClubMiles card under 10x category. I want to know this category of 10x is limited to Diners Club Partners or also smartbuy. Because smart buy says one can make maximum 25000 Reward Point through smartbuy. Can I make 5000 reward points with partners like UBER and BMS and 25000 reward points with smartbuy using ClubMiles per month.

    Reply
    1. Maulesh Patel

      Hi did you find your answer then let me know. Total rewards point for diner club miles is 5000 or 5000 + 25000 from smart buy ??

      Reply
    2. raulnayak

      It is 5000 for 10x partners plus 25000 from smart buy so you can potentially earn 30000 bonus RPs from this.

      Reply
  28. Nandhakumar

    Where I will complaint if my 10x is not received for hdfc regalia first

    Reply
    1. Rohit

      Yeah, just now checked the Diners website after seeing your comment, Sad to see no more food apps on Diners 10X partners. First Dominos, then Swiggy and now Zomato also gone.

      Reply
  29. Gautam

    Now the 9x points would get credit in 2-3 days of the transaction as per customer care.
    No need to wait for one month.

    Reply
    1. Chintan

      I have lost track of my 9x points, they keep getting credited through-out the month, I have no idea which is which the amount just jumps to 1000 points up randomly. 😂😂

      Reply
  30. Abhinav

    mine amazon 10X is not getting credited in account from October , also flipkart point is not credit for month end , where to contact for missing point also how to prove I am eligible for 10X transaction ,

    Reply
  31. Chintan

    We shall keep 2 min silence for the sad demise of beloved Zomato from over 10x partners. So sad

    Reply
  32. Deepak

    That is great news but where to order food now no swiggy no zomato also no 10x on gold spends i dont see any way to get 25k points every month from now on dcb @sid find a hack?

    Reply
    1. Chintan

      Swiggy still has 5x reward point option if you wish to use promotion code: HDFC5X

      Reply
      1. Rohit

        Thanks for the info, The coupon is valid till 31st March, will stick with Swiggy now. Hopefully HDFC adds a 10X food partner soon.

        Reply
      1. Chintan

        Wow really, I shall check that out then. Thanks
        I only keep apps of 10x and 5x partners installed.
        I hope Diners or Zomato read this.

        Reply
      2. GTMAX

        N I was wondering all this while to try it out on UberEats to see if it would earn 10x points. Thanks for this info!

        Reply
  33. Mayank

    Just want to confirm. Wiil we get 10x rewards points if pay using payzapp on flipkart.??

    Reply
  34. Vishal

    Has anyone received Free Flight Cancellation offer email from HDFC?
    I find it somewhat interesting. What do you guys think?

    Reply
    1. GTMAX

      Haven’t received an email. But it is applicable for the everyone. Certainly an interesting campaign and looks like a first of its kind also with no constraint on the website/app used for booking

      Reply
    1. GTMAX

      Unless you have confirmed this with DCB customer service team, I think there is some error as the old page is reflecting again along with the already expired international spends offer.

      Reply
  35. Rohit

    Nice to see Zomato back, Swiggy also has HDFC5X coupon, so good times continue for food orders.

    Reply
  36. Rohit

    Many people are asking questions about points and gift vouchers, i will give my personal experiences:

    Points: HDFC is depositing points for everything Smartbuy Flights and Flipkart within one month, Amazon takes 90 days, other 10X partners like Zomato, Uber within a month. Different timelines But in the end they do deposit the points. The only thing to keep in mind is to allow proper tracking of your transaction by following these basic steps for Amazon/Flipkart:

    “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/flipkart link and add all the products one by one, it will be tracked and you will get points.”

    Gift Vouchers: HDFC is terrible with Gift vouchers, most of the times they will not send it, I had to register a complaint with them to get my Amazon voucher for September 2018 Spend based voucher reward, they sent me in Jan End after i logged the complaint in Jan first week.

    Reply
  37. Ankit

    Received 9x point of transaction done through Flipkart smartbuy within 2 days of transaction…confirmed through cc…who told that now they hve special arrangement with Flipkart, flights and hotel smartbuy portal for point posting within 2-3 days of transaction….for amazon will still have to wait for 90 days.

    Hope for amazon and other 10x partner reward points posted in such accelerated mode….

    Reply
  38. Rakesh

    Anyone received 9x points of Smartbuy for January ? Every month use to get 2 or 3rd, but this month haven’t received yet !

    Reply
    1. PM

      Yes. I got 9x points for smartbuy flight bookings done on 15 January on 1st Feb.
      Additionally, for hotel bookings done on 3rd Feb, I received all 10x points on 5th Feb. This wasn’t expected, so I called up the DCB customer care and they confirmed that they have a new system now to track smartbuy transactions for flipkart, flight and hotel booking, allowing all 10x points to be credited immediately.

      9x bonus points on Amazon, Forex loading and other partners are still going to take ‘more than 90 days’.
      Customer service person confirmed that for bonus points Amazon transaction that I did on 2nd November 2018 is yet to be credited (she could see the transaction).

      Reply
      1. Anshul

        They have issues with tracking Amazon transactions through smartbuy. I am yet to receive Amazon 10X even after 90 days. Have escalated to them.

        Reply
      2. Mayank

        I also did transaction on smartbuy transactions for flipkart on 3rd Feb, but still haven’t received 9x points.

        Reply
        1. Shivi

          @ Mayank – 90 days is what they have written on their T&C for crediting the points, not 3 days 🙂

          Reply
      3. Balpreet Singh

        Hi PM,

        just inquisitive, how do you get to track that you got points credited? on netbanking of HDFC or .. where?

        Reply
          1. Shivi

            Why would anyone call up DCB customer care for HDFC card related transactions?!

          2. GTMAX

            Shivi

            DCB here referred by everyone is for HDFC diners club black credit card and not DCB bank

        1. PM

          @Shivi
          DCB is the acronym used for ‘Diners Club Black’ in this context. The customer service for DCB and Infinia card is different from regular HDFC credit card customer care and is much easier to deal with.

          Reply
  39. Captain Bishuddha Bharatiya

    If we buy One Plus 6t of Rs. 45,999 via smartbuy ( Amazon ) in no cost EMI for 6 months than will we get 10X reward points. Reply fast please.

    Reply
    1. Biplav

      EMI Transactions with Flipkart will be eligible. Not Amazon. I think one should be able to find one plus on Flipkart, post new rules on not having “exclusive items” on ecommerce websites

      Reply
  40. GTMAX

    Copy pasting from Smartbuy 10X offer T&C:

    Applicable for EMI Transactions (on flights / Hotels / Flipkart store). Not applicable on EMI transactions on Compare & Shop, and Amazon exclusive store

    Reply
  41. Captain Bishuddha Bharatiya

    I did the transaction today but I didn’t get SMS from HDFC which usually says that I will 10X reward points. Feeling sad.

    Reply
      1. Hussain M H Bootwala

        I just ordered some stuff from flipkart and still dint get any msg from smartbuy

        Reply
        1. Sharathkumar Anbu

          You will get Smart buy message only after 2 days of transaction in Flipkart smart buy site. i.e. When your Smart buy flipkart transaction is settled by HDFC.

          Usually credit card transactions are settled in T + 2 days.

          Reply
  42. Hardik

    I also thought they might have sended msg regarding it, but the truth is check amazon smartbuy page as it mentions exclusive cellphones, mi phone and some other cellphone or items aren’t eligible for 10% or 10x rewards, if you didn’t get sms you don’t get points, happened with me earlier, booked 5 cellphone, 2 were not eligible for 10x and didn’t got sms too! 😕😭

    Reply
  43. Hardik

    Is the Offer applicable on purchase of all products?
    No, the cashback or 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

    Hope this helps 🙂

    Reply
  44. Captain Bishuddha Bharatiya

    I have cancelled my order and after that I ordered the same phone One Plus 6T again by paying the entire amount at one go. Still didn’t received the Smartbuy SMS. I will raise a complain if I don’t get 10X points within 90 days. Lets see.

    Reply
  45. Sharad

    Thanks Hardik. This info is useful.
    I don’t think that such restriction is there while buying from SmartBuy-Flipkart page???? Please correct me if I am wrong.

    Reply
    1. Hardik

      Thanks sharad,
      As per my notice, i can’t find any faq page on flipkart and smartbuy regarding restrictions like amazon, so maybe flipkart doesn’t have such restrictions apart from gold coins or jewellery maybe🙂

      Reply
  46. Vishal

    I recently bought a mobile phone from Flipkart using smartbuy flipkart exclusive store. I still did not receive the 10x points message from smartbuy. Will I get 10x points?

    Reply
    1. Mayank

      I also have not received any messages for transactions done on flipkart and amazon using smartbuy.

      Reply
  47. Priyank

    Hi All,

    I have a couple of doubts listed below:

    1. Recently, on 13 Feb 2019, I made a purchase worth 99,990 on flipkart using SmartBuy. Considering there were no other transactions made using SmartBuy in February, what would be the calculation of the 10x total points I am supposed to get?
    is it 2664 (1x) + 23976 (9x) = Total of 26640 points
    or
    10x points calculated in single shot with a capping = Total of 25000 points.

    2. Now, along with the above transaction, if I were to load money into my Forexplus card (offering 10x points upto 5000 points). Will I get 5000 points on that or is the capping shared for this offer with the SmartBuy transaction?
    Also, how to maximize this offer usage? By loading 20,833 INR worth of currency (if 5000 points are calulated for 9x points)
    or By loading 18,750 INR worth of currency (if 5000 points capping is calculated for complete 10x) into it.

    3. Were anyone able to find the query about the expiry date of Club Vistara, what should we enter while redeeming it?

    Please advise as I need to take an action by EOD today/ tomorrow morning.

    Reply
    1. Chintan

      Hi,
      Smartbuy, forex and 10x partners all are mutually exclusive
      So, you can make like 25000 + 5000 + 5000 = 35000 Reward Points every month.

      Reply
      1. Priyank

        Thanks for the quick reply Chintan!

        Can you also please confirm if caping of 25k and 5k points is on 9x additional points or on total 10x points?

        Reply
        1. Chintan

          I don’t know that, but one more thing smartbuy cap reset in calendar month, so if for instance your statement cycle is from 14-13 you can make 50000 in one statement. And for instance if your have already made 25k before 13 in same month then you can’t make more even after the statement generation in same month. While forex and partners go with the statement.

          So technically you can make 25000+25000+5000+5000 in one statement in a particular scenario.

          Reply
          1. Priyank

            Thanks for the reply Chintan.

            I was aware of SmartBuy that a calendar month time is being followed.

            However, I was not sure of the same for Forex and 10x partners for Diners card.

            Just a small question, can you please confirm if the 9x points for the forex load given soon like Flipkart transactions have been given in a couple of days or do I have to wait for 90 days to get the additional points?

            Reason for asking this – planning to redeem the points to club vistara soon

          2. Chintan

            I don’t have a forex card. You can ask Customer care, don’t get disappointed on first call. At least call three times, you ll get someone on line who has some idea about what you are talking about.

    2. ab

      @priyank: query no. 01 :- i got 1X RP after 2-3 days and 25000 RP in the first week of next month every time i crossed the flikart purchase over than 95k. in your case you will get 2664 points by 15 feb and 25000 RP in first week of march 19.

      Reply
  48. Priyank

    Has anyone used HDFC debit card for 10% reward rate using SmartBuy on flipkart?
    If yes, in how much time does the point get credited, considering that flipkart transactions are awarded with additional 9x points as soon as 2-3 days post transaction. What is the real time taken for debit card cashback (if anyone has done transactions lately)
    Please advise.

    Reply
    1. Chintan

      I don’t know how many days it takes, but the cash back do not get directly deposited in bank account.

      In net banking go to cards – Debit Card – Enquiry – Cash Back Enquiry and Redemption – select account

      You will be able to see redeemable cashback here, select and redeem. After redeeming it take around 5 days to appear in Balance.

      Reply
  49. ab

    RP of flipkart Transactions made on feb 2019 month is still not posted. generally they posted on 1st of succeeding month which reflects on 2nd. has anyone experience same thing. please share.

    Reply
    1. Mayank

      Yes for me also. I haven’t received reward points for my transactions in Feb month.

      Reply
    2. Chintan

      since 2019 now they post flipkart point within 3 days of the transaction. check again you may have received it already. give it a count.

      Reply
      1. ab

        thanks bro.
        ya i think you are ri8. myself thinking that those RP were my amazon RP which comes after 90 days. what about amazon RP , still posted exactly on 90th Days or any changes you found. please share.

        Reply
  50. Prashant Gupta

    Has anyone received november amazon points. I raised a complaint today.

    Reply
    1. GTMAX

      I also have not received it for my Nov Amazon transaction. However, as per them they have already done the 9x fulfillment for Nov Amazon transactions. I also raised a complaint 2-3 days back.

      Reply
      1. Tarun

        Have not received it either. Have raised a complaint yesterday as well.

        Reply
    2. Ramesh Kumar

      Not yet, they told me that in March month statement it’ll be credited. In fact, they told the same last month also.

      Reply
      1. Chintan

        How you track that whether you have received 10x points of a particular Amazon transaction or not. I called customer care but the were not able to assist me.

        Reply
        1. Ramesh Kumar

          I used to keep track of reward points received on daily basis, because HDFC reward system has bugs and several times they won’t credit until you escalate. Also used to create reminder for targeted offers & amazon transactions, after 90 days from date of transaction. So that it’ll be easy to cross check and raise issues with needed proof, because if you don’t have this details they’ll just reject your complaint saying reward points posted as expected or ask you for proof. In last one and half year, I have raised ~20 compliants and after lots of escalate received ~35-40K reward points for ~15 of those compliants for remaining 5 still chasing them.

          Reply
          1. Chintan

            Well, i do try to keep track maintaining an excel. but when 10x points get credited i am still unable to keep track as they come in batches, like when i call customer care and ask ask them which point i received they say it like i received 2500 for partners which is total of my payments in zomato, bookmyshow etc. but they fail to tell me individually.

        2. Shivi

          You just calculate the reward points of the 10x transaction and add it to the RP of your statement. That will tell you whether or not they have been credited to your account.

          Reply
  51. Srikar

    Is this 10x also applicable for VISA Infinite (which comes with default 2x) ?

    Reply
    1. Shivi

      Never heard of default 2x on Visa Infinite variant! If you are talking of HDFC Infinia card, then the 2x reward point is not on all transactions but only on HDFC Infinia site for booking hotels and flights! And yes, 10x RP applies on Infinia too on SB. That’s a whopping 33.33% cashback as RP!

      Reply
  52. Murali

    I plan to buy Redmi Note 7 Pro using DCB. Is 10X applicable for new models at FlipKart? Are there any exclusions ?

    Thanks,

    Reply
    1. GTMAX

      Only possible exclusion for Flipkart is Jewellery, Gold coins, gift cards & equivalent. Should not be a problem for the mobile phones.

      Reply
    2. Prashant Gupta

      Check out the conditions on smartbuy site if this model not mentioned then u can surely buy.

      Reply
    3. rays

      definitely.
      i bought Redmi Note 7 4pcs @48k and got 1X RP on 8th & 9X RP on 9th march.

      Reply
      1. Gaurav

        How did u buy 4 Note 7? if you buy from the same account then they cancel the order, it seems u have used different flipkart account but using same DCB card?

        Reply
        1. rays

          @gaurav
          Actually at that sale flipkart gives 6 minute for payment. yes i am using four account to book all these with 2 browser at a time in one mobile.

          Reply
    4. Ramesh Kumar

      Yes in flipkart, except gold purchase you’ll receive 10x. But amazon has some more exclusions.

      Reply
    5. Rajk

      No exclusions on Flipkart. So yes you will get 10x points on Redmi Note 7 Pro

      Reply
  53. Prashant Gupta

    Wow points posting has become quick. Purchased a ticket from smartbuy on 6 worth 79k and a galaxy S10 worth 67k from tatcliq got the 9x points on 9th. Other partner merchant points for feb were also posted.

    Also point posting is confusing customer care told they multiply with.0333 to post points which i found true for some but wrong for other. Anyways points will always be short by 40 points

    Reply
    1. Chintan

      Yes you can calculate like that, i have created an excel formula if you wish to use for calculation.
      Formula “=TRUNC(C5/150,0)*4*10” replace C5 to target transaction amount it shall tell you the 10x accumulation on a particular transaction.

      Reply
      1. Ab

        @chintan
        I complain escalation team for my incremental RP of amazon made in dec. They asked me to provide transaction order id, where to find now.

        Exact wording are like this”We understand your concern and basis your request we have laise with the concern team and we request you to share the transactions order ID to us to investigate further”

        Reply
        1. Shivi

          It is mentioned on the Amazon receipt of the product purchased by you

          Reply
        2. Chintan

          Go to Amazon – Your Orders – Select Particular Order – View Order Details –
          Here you will get
          Order Date
          Order ID
          And Amount

          Just share this information

          Reply
          1. Ab

            I did the same. now they are responding with following:
            “We understand your concern and basis your request we have laise with the concern team and we inform you that 9X additional reward points for Dec’18 eligible transactions will be processed by this month end.Hence we kindly request your patience.”
            Will they post my point or only playing time game.

  54. Gopal Gidwani

    Hello Siddharth,
    I am a regular reader of your articles. Thank you so much for sharing such valuable information about credit cards. This has helped tremendously in increasing my knowledge about how to use credit cards for various benefits. I will be very thankful to you if you can answer my queries. I have 3 questions:
    1) The 10X program mentions that we have to visit Amazon, Flipkart, Yatra and Cleartrip through Smartbuy. So does that mean for other partners like say BigBasket we visit the merchant site directly and pay through HDFC Diner credit card and avail the 10X reward points offer? I have recently received my HDFC Diner’s card after reading about it from your website.
    2) If I use a promo code applicable for HDFC credit card holders on the BigBasket website, will I get the benefit of both: promocode disount and 10X reward points?
    3) This is a generic question and not related to HDFC credit cards. I have subscribed to your emailing list a number of times. But I have still never got a single email from your side for any new article that you post on the website. How do I subscribe to your mailing list?
    Thanking You!
    Gopal Gidwani

    Reply
    1. Saket

      Is EMI transaction on flipkart smartbuy valid for emi transaction? And will I get entire points in the month of transaction on in the month when emi is charged?
      Moreover, 25000 points limits is on net transaction (net of return) or gross transaction?

      Reply
      1. Chintan

        Yes emi transaction on smartbuy Flipkart is eligible for 10x. Points get credited after 2 days of statement generation. 25000 is a calendar month limit. In case of emi the month it is credited in is considered, so technically you can make more than 25000 points in one transaction.

        Reply
        1. Saket Goel

          Is it valid on Diners black? Got EMI schedule mail and it is written that emi transaction is not eligible for rewards points. Same is written on diner website also

          Reply
  55. Mohan

    Any idea/information on 10x offer getting extended beyond March 31st? Thanks!

    Reply

Leave a Reply

Your email address will not be published. Required fields are marked *