HDFC 10X Reward Points Program Extended (October 2018 Update)

By | October 1, 2018

This Diwali season, we have the first good news in the world of credit cards and that’s from HDFC. Your most loved 10X promo has been further extended for next 3 months with few changes here and there. Here’s all you need to know,

HDFC 10X Reward Points Program Extended (October 2018 Update)

1. Diners 10X Partners

  • Extended till: 31st Dec, 2018
  • Upper Cap: 2K for Diners Rewardz, 5K for Diners Clubmiles/Premium & 25K for Diners Black
  • Upper Cap Reset: Statement Cycle
  • New: Swiggy replaced by SOTC
  • New: Uber transactions done internationally are also eligible for 10X Rewards as per this programme.
  • Point will be posted: in next statement cycle

Anyone here used SOTC? Do share your experiences in comments!

2. Smartbuy Offer

  • Extended till: 31st Dec, 2018 (but Smartbuy page says 31st March 2019, so expect it to extend again)
  • Upper Cap: 25,000 Points
  • Upper Cap Reset: Calendar Month
  • This Covers: Flights, Hotels, Flipkart, Compare & Shop ( Amazon added too)
  • Note: This is also applicable on Non-HDFC Diners Credit Cards like Regalia, Regalia First
  • Applicable for EMI Transactions (on flights / Hotels / Flipkart store). Not applicable on EMI transactions on compare and Shop
  • Point will be posted: 90 working days from the date of transaction. In reality, its getting posted by first week of the following month.

3. International Transactions

  • Extended till: 31st Dec, 2018
  • Limited to: POS Spends only
  • Upper Cap: 2.5K for Diners Rewardz, 5K for Diners Clubmiles/Premium & 10K for Diners Black
  • Upper Cap Reset: Calendar Month
  • Point will be posted: in the subsequent month

This program coupled with the HDFC Global Value Program, is the most rewarding international transactions promo program in the country for now.

However, as Online spends are no longer considered, its safe to say that this offer is gone. Because Diners Acceptance is poor in foreign countries.

How much can You Save

As you may already know, this is the reward rate you get by availing 10X promo,

Bottomline

With HDFC 10X program, i would say India is undoubtedly witnessing the golden age of credits cards. Apart from Diners 10X program, note that the Smartbuy offer is applicable to other HDFC Cards as well, which means HDFC credit cards are a must to be in your wallet.

However, remember that this is bit of an addictive offer, so spending beyond your means just because you get 10X points isn’t a good idea even if someone gives you 50% cashback. Spend wise. Save & travel the world 🙂

Have you guys reached the saturation point with 10X like me or still hitting the upper cap every month? Feel free to share your views in comments below.

104 thoughts on “HDFC 10X Reward Points Program Extended (October 2018 Update)

  1. Captain Bishuddha Bharatiya

    Great news. Thanks for the quick update. Also great to see so many new posts frequently. Keep up the good work Sid.

    Reply
  2. Mr. Verma

    Hi Sid,
    In smart buy offer, you mention non-hdfc card for regalia . I guess you meant to say non-diners.

    Reply
      1. Anish Sahu

        Hi Siddharth,

        I have a query regarding 10x Smartbuy Offer

        The post states that:
        Point will be posted: 90 working days from the date of transaction. In reality, its getting posted by first week of the following month.

        My statement cycle is 16th of every month. I made a purchase on 18th October and I have not received the bonus points till the 1st week of November. Will i get it after the 1st week of my next cycle, that is after 16th November?

        Reply
  3. AshishR

    Looks like smartbuy Compare & Fly option started charging Convenience Fee of rs 236 per booking of flight tickets

    Reply
  4. Rakesh

    International 10x offer now limited to POS transactions only ! Bit sad !

    Reply
  5. PM

    Limiting 10x on international transactions to POS will definitely influence my buying decision. Buying almost everything on sites like aliexpress with Diners Black was way cheaper option till now.
    Good for the country’s current account deficit 🙂

    Reply
  6. Sachin Gupta

    Hi Siddharth,
    I am following your blog from quite a lot of time and it has been very helpful.
    I have few queries.
    1.) Which is the best card for lounge program? I would also like for my wife to share the benefits of lounge program? Which card is best for that?
    2.) Which card is best for fuel purchases?
    3.) I hold HDFC Diners Club Black? I also wanted to take Regalia from HDFC since with that I can share lounge benefits with my wife? Is it possible, since HDFC has policy of 1 card per user?

    It would be great if you could write an article as answers to my questions. It will help others also. Fuel card article you have done but it is not relevant now I think.

    Reply
    1. Malavkumar Patel

      HDFC Regalia has limited lounge access,
      I would recommend that you apply for Yes First Exclusive credit card,
      YFE gives unlimited domestic and international lounge access to primary as well as Add On card holder.
      YFE is issued card on card bases, Other bank card is suppose to be one year old and 8L credit limit.

      Reply
    2. Siddharth Mehta

      1. There are several cards in the market that offer lounge access now. Not sure on what parameter i can qualify any card as “best” for lounge access. Once you are in the lounge, you get treated like any other guest. No special privileges for anyone. Many cards do provide lounge access on add-on card like Diners black, Yes first exclusive/preferred, Regalia and so on.

      2. Not entirely sure about this. someone else can probably answer.

      3. I do hold both Diners black and Regalia together right now. Depends how well you can convince your RM. They will split the credit limit across the two cards.

      Reply
  7. Farhan fazal

    Although wrong place. But I just landed back from Las Vegas. Used 15000 air miles from sbi air india credit card and paid just 3000 inr for a round ticket. One of the ways in business class. I am getting addicted to the miles game now. But I notice jet airways miles required for a free flight is higher than air india and plus the taxes a we need to pay are higher.

    Going to enjoy the 10x diners offer. Swiggy is a big blow

    Reply
  8. Askarshk

    Hello All , Hi Abhisekh and sidarth,  I had got moneyback CC from HDFC in 2015 with limit 49000. It has been increased to 5.5 lacs  now.  But they did not give me a upgrade offer .

    my business income of above 2.5 lacs deposited every month in my HDFC saving account . There is no RM associated with my saving account . I have sent my latest ITR once last month but heard nothing from their team . 

    I called their customer care . To be honest they are more uncles to cross well their insurance plans.  They customer care executive told me sir you are prime customer  you are eligible for all our cards but this offers will come automatically to your account .

    Only solution is that please take  a accident cover of 50 lacs from me now . While should I contact . The branch guys know nothing ,they too asking my home address to come sell some insurance products . HDFC life products . Only thing they know surrender the what ever credit card you have and apply freshly. Give 2 years ITR business continuation  proofs, office address for physical verification .business card and what not. What is point of having banking relation ship with HDCC since 2012.

    Reply
    1. Rohit

      You say that you have a Prime HDFC account which means you should have a RM name and number displayed at the bottom of your netbanking screen, anyway RM cannot do much, it is the bank algorithm which kicks in Credit card upgrades directly in the netbanking cards section.

      The bank people you are in interaction with look like fools or cunning, no need of buying any policy or 50 Lakh insurance, based on your banking value you will automatically get upgrade option in netbanking, I just had good FD amount and decent demat account with HDFC, no salary or business account like you but still i got Diners Black with 8 Lakh limit.

      And if you have such high deposits then why stay with Prime, upgrade to Preferred or Imperia, this also helps in kicking an upgrade for credit cards, I have Preferred account and have filled the form for Imperia and submitted ten days back, hopefully they upgrade the account fast, last time HDFC took 2 months to upgrade my account from Classic to Preferred. Prime is the lowest possible HDFC HNW account.

      Reply
      1. Rohit

        Update: Logged in HDFC netbanking and my account was upgraded to Imperia 🙂 Total time taken was 11 days, some time must have been spent in holidays, weekends etc and also the branch did not have Imperia accounts, so they sent the form to other branch which would have taken 1-2 days too, so all in all fast work i would say.

        I am not applying for Imperia Platinum debit card as its Visa whereas Preferred Platinum Debit card is MasterCard., so will retain it. Now, next aim is Diners Black limit increase from 8 to 10 Lakhs Plus, will try after 6 months.

        Reply
      2. Akarshak

        which form you filled for upgradation of account ?

        they have slabs in premium banking programme .

        prime -> classic->preferred->imperia

        I am on prime now . how to move to preferred ? or should I apply for classic then preferred ?

        how to ask them to update my account since I do not expect Customer care guys will allow me to do so.

        Reply
        1. Sharathkumar Anbu

          If you maintain appropriate balance in your account, Let say 1 Lakh for Classic, 2 Lakh for Preferred, 10 Lakh for Imperia, You could approach any of the nearest HDFC branch and ask them to assign a RM for you in that particular category.

          They will help you.

          Reply
          1. Askarshk

            once upgraded . will they downgrade next month?

            I maintain 4 lakh+ in account though I am a prime customer only. not upgraded to preferred. if I add cash and make it 10 lakh+ and manually upgrade to imperia.

            will they downgrade in next month if balance comes to 5 lakhs.

            any experience ?

        2. Rohit

          Firstly, Search in Google “HDFC HNW” and click the first link, then go through the eligibility requirements for all these HNW accounts, the requirements are as follows:

          Imperia Banking Eligibility Criteria*
          A minimum Average Monthly Balance of Rs. 10 Lac in the Savings account
          OR
          A minimum Average Quarterly Balance of Rs. 15 Lac in a Current Account
          OR
          A minimum Average Monthly Balance of Rs. 30 Lac in a combination of Savings Accounts and Fixed Deposit

          Preferred Banking Eligibility Criteria*
          A minimum Average Monthly Balance of Rs. 2 Lac in the Savings account
          OR
          A minimum Average Quarterly Balance of Rs. 5 Lac in a Current Account
          OR
          A minimum Average Monthly Balance of Rs. 15 Lac in a combination of Savings Accounts, Current Account and Fixed Deposit

          Secondly, Based on your eligibility download the signup/upgrade form by clicking on :”What are the Terms & Conditions?” . You can upgrade to any account which you are eligible for, You can submit the form either at your present branch or the branch at which these accounts RM is present.

          For Example: My account branch is a small one but my Preferred RM was given to the bigger branch, after this my Imperia RM was given to the biggest branch in my tier 2 city. So, you account remains at same location but RM location changes.

          If your present branch gives problems then directly go to the bigger branch and have a talk, for Imperia branches you can get the address by clicking on ” What are the features and benefits” and then “sign up”.

          Reply
          1. Askarshk

            Thank you Rohit Ji,

            HDFC says there is no charge if you do not maintain AMB in the classic/preferred account.
            ever happened with you that your AMB goes below required for some reason and they downgrade your account next month ?

  9. Mr Goel

    DCB IS THE BEST CARD RIGHT NOW IN INDIA. WAY FAR AHEAD THEN IT’S COMPETITORS. HAVE BEEN HOLDING THIS CARD SINCE DEC 2016.

    BUT I ASSUME HDFC HAS GIVEN THIS CARD TO MANY BELOW ITS ELIGIBILITY CRITERIA AND THIS CAN COST THEM MUCH.YOU ARE LUCKY LAD IF YOU GOT THIS CARD WITHOUT REACHING THEIR ELIGIBILITY CRITERIA. (MAY BE DUE TO SOME KIND OF RELATIONSHIP WITH BANK LIKE PERSONAL LOAN , BUSINESS LOAN , HOME LOAN).

    I HOPE THIS CARD AND BANK WILL TAKE INDUSTRY BY STORM AS THEY HAVE EVERYTHING FOR EVERYONE ( DC REWARDS, DC PREMIUM , DC MILES , ANF AND OFCOURSE DC BLACK.
    USED HALF A MILLION POINTS THIS YEAR ONLY.

    MY GUIDE TO EVERYONE HOLDING THIS CARD IS ACCUMULATE POINTS FOR 2 OR MORE YEARS AND THEN SPEND IT LIKE KING.
    I AM STILL LEFT WITH SOME 200000 POINTS. I HOPE THIS OFFER NEVER ENDS 😂🥂.
    CARDS I AM HOLDING RIGHT NOW.
    1. HDFC DC BLACK
    2. AMEX PLATINUM TRAVEL
    3. SBI ELITE (I USE THIS JUST FOR MOVIE TICKETS ON BOOKMYSHOW ) 2 FREE TICKETS EVERY MONTH OR 500 WHICHEVER IS LOWER.
    4. AMEX GOLD

    MY FIRST BLOG ON THIS SITE BUT HAVE BEEN FOLLOWING YOU SINCE START OF THIS SITE. GOOD WORK SIDDHARTH
    CHEERS TO ALL 🥂

    Reply
  10. Ankit

    Do International transactions done through HDFC Regalia also accrue 10X reward points?

    Reply
  11. Boopathy

    SOTC addition is of no use unless you are traveling on a package tour through SOTC. In Smartbuy they’ve added convenience fee now, so less competitive now, but still it’s a good choice because you’re getting 10X rewards.

    Reply
    1. Eshwar

      They have flight booking as well. Compared to smarty buy thier airfares are better for few destinations.

      Reply
    2. MS

      It looks like you are paying a convenience fee but when you go to the gateway the amount reflected is minus the convenience fee. anyone else can confirm that?

      Reply
  12. Nitin

    Hi,
    Can you explain by what do you mean by upper Cap Reset: Calendar Month/Statement cycle?

    Reply
    1. MS

      Are you sure? it says convenience fee but when you go to pay the amount there is minus the fee.

      Reply
      1. AshishR

        Yes, now on payment page, its showing amount without con fee.

        earlier they were charging fee even on payment page

        overall, its all good, as long as fee gets removed

        Reply
  13. KRISHNAKUMAR

    Just curious to know the following..
    If I type a product say ” ProductA” on HDFC Smartbuy -compare and shop and go to Amazon site thro the link. After reaching Amazon page, I decide that I don’t like ” Product A” and buy “ProductB” instead, then do I qualify to get 10X rewards for “Product B” ?

    Reply
    1. Rohit

      No one knows till now, one of the authors here (Abhishek Roy) tried that but he has not yet reported here whether he got the points, waiting for his report/answer. In the mean time the trick is to search creatively in the compare and shop search engine, use all the small letters instead of full sentence product names.

      Reply
    2. Abhishek Roy

      Yes. I forgot to update. I had got the points for the purchase. Though the customer care team will tell you that you won’t qualify for the points but just wait and watch, you will get the points. Besides, you can escalate if you don’t get the points but don’t tell that you went into that product from another product page.

      Reply
    3. Anil

      Good question!
      Even I had the same query. How this tracking is taking place?
      Is it similar to other affiliate tracking or hdfc follow strict search-product policy?

      Reply
  14. Amit G

    Hi All,

    Is anyone know how to book Multicity Flight through Compare and fly. I just need to book a multicity flight, which is coming at a cheaper price if booked together.
    Thanks in Advance !

    Reply
  15. Eshwar

    Hi Sid,
    Regarding the diners black card-
    It says 25,000 points Cap per cycle on diners black cards. My doubt here is

    If I book flights worth 1,50,000 Rs on cleartrip via Smartbuy – I am actually eligible for 50,000 points as it has 33% rewards conversion. For this transaction will I be getting 25,000 points in one statement and the remaining 25,000 points in the next statement summing upto 50,000 points or will I only get 25,000 points max irrespective of the transaction value?

    Please help me out with this!

    Thank you

    Reply
    1. Ajai

      The extra points are lost happened with me twice now. The way I navigate this is to use hopping flights and pay with two separate cards.

      Reply
    2. Mouli

      Points wont be taken to the next statement even if you have done transaction for more than 75000

      Reply
    3. Prashant Gupta

      U will only be gettimg 25k points on 2nd of next month as the cap is of 25k points per month on dcb

      Reply
  16. Chawdhry

    How to upgrade to Religare from money back? they are asking me to subscribe to cross-sell product within 90 days from card set update ?

    cross sell options are

    smartpay one bill registration
    one assist
    add on card
    credit shield/card sure
    general insurance etc

    what to choose ?

    Reply
  17. Subir

    Used SOTC for airtickets, got these approx 3-4% more expensive than usual sites. Still seems to be a deal as gets covered in 10X programme

    Reply
    1. Rohit

      Why did you buy from SOTC if it was 3-4% more expensive? Can’t you buy from Smartbuy compare and fly which has options from Yatra, Cleartrip etc?

      Reply
  18. Binay

    Could you do an article on what all cards you hold and how you use it ?
    I have Diners black and I feel I should be using it on all affiliated platforms and elsewhere as well for that 3.3% reward rate.
    Would love to know your idea of best case scenario.
    Thanks.

    Reply
  19. Shrey

    SOTC IS SUCH A WASTE JUST LIKE CARATELANE WAS EXPENSIVE NO VALUE FOR MONEY

    Reply
  20. ANKIT

    Do Bill payment (Landline, Postpaid mobile etc.) done through Payzapp- HDFC Regalia card earn 10X reward points?..

    Reply
  21. Sanemate

    The t&c says “2. Maximum Reward points that could be earned is 25000 per calendar month on your credit card or Maximum of Rs.1000 cashback on your Debit Card.
    3. The offer is valid till 31st March 2019.

    So it seems it is calendar month and not statement cycle for smartbuy too?

    Reply
  22. Prashant Gupta

    for last 2 months the 9X points are also being posted on multiples of 150. A small loss evey month 🙁

    Reply
  23. Nilesh Desai

    The 25K cap on Reward points is for Diners Black or is it valid for Infinia as well? Also is it valid on Amazon using Compare and Shop?

    Reply
    1. Sharathkumar Anbu

      Yes for Infinia also, there is 25K cap on reward points for purchase / ticket booking through Smartbuy.

      Reply
      1. Rajiv

        Also, for people who hold 2 HDFC cards (I have a DCB and an Infinia), is it 25K points per card per month via Smartbuy? This gives us a total of 50K points per month via Smartbuy, correct?

        Reply
        1. Malavkumar Patel

          Yes you are correct, I also hold two cards, Regalia and DCB.

          Reply
        2. Amit

          How did you manage to get DCB and an Infinia both? Would love to do that 🙂

          Reply
  24. HTC Fan

    Hi Siddharth

    Can you write an article on how you could manage to get 2 HDFC card issued as this seems to be quite difficult these days. This would be quite helpful

    Reply
  25. shrey

    Recently there has been Amazon beside Flipkart in smart buy does it mean we get 10x on all amazon products as well?

    Reply
    1. Garima

      Yes on smart buy it is mentioned that we will get 10x for Amazon also.

      Reply
      1. Shrey

        But on website, smart buy they have mentioned purchase from compare and shop and not from amazon directly can someone clarify ?

        Reply
    2. Priyesh

      Seems so, but you need to visit amazon website from smartbuy website with an empty cart Great addition by smartbuy . HDFC is killing everyone with its offers 😀

      Reply
  26. Srikanth

    FlipKart Big Billion days has a discount for HDFC cards, so buying it through flipkart (ofcourse from flipkart store in smartbuy) will get 10% discount and 10X reward points?

    Reply
  27. Askarshk

    Hello All HNW account holders of HDFC ,

    is it not a loss for us to maintain 5 lakhs or above 10 lakhs in HDFC mainly in saving accounts. considering the interest rate they give is just 3.5 % . I am pointing FDs but saving accounts balance.

    will the benefits HDFC offers compensate the interest rate return we are going to give up?

    #I am asking this because I maintain a high saving amount in Yes bank . it give 6% . I may going to transfer it to HDFC saving and make my account to HDFC imperia.

    what your opinion on this?

    Reply
    1. Malavkumar Patel

      If you maintain FD worth 30L in HDFC Bank then you will become IMPERIA Customer, their FD rates are very competitive, you get 100% discount on locker fee for any locker size for being imperia, HDFC has biggest locker which costs 40,000 a year, so that alone should reap you a lot of money, besides you can check HDFC website for full benefits of IMPERIA program.

      Reply
          1. AshishR

            the branch i go, has xtra large , which is biggest, which cost 12k+gst

      1. Askarshk

        Thank you sir , so only SA and FD deposits are considered as NRV ?

        Any other like demat account holding,mutual fund holding,general insurance or health insurance with HDFC considered in NRV ?

        Reply
        1. Malavkumar Patel

          Current Account, Savings Account and Fixed Deposit are considered for NRV,
          Mutual Funds, Any Kind of Insurance or Demate holding is not considered for NRV.

          Reply
  28. Rohit

    Has anyone got 10x points by buying through HDFC Smartbuy Compare & Shop – Amazon ?

    Reply
    1. GTMAX

      Yes Rohit.. you get 10x for that..
      And now they also have a separate link for Amazon similar to Flipkart Store and you can go ahead and order through that

      Reply
      1. Sharathkumar Anbu

        Amazon smart buy link is not same as Flipkart smart buy link.

        Flipkart has a dedicated website for Smart buy which has unique logo and look and feel is different.

        Whereas for Amazon, it still goes through tracking website and you can’t prove the purchase unless you record a video. However for flipkart, the website has different logos, once you purchase, screenshot is sufficient for proof of purchase.

        Flipkart purchase points always get credited on 2nd or 3rd of every month whereas for Amazon you may need to wait around 90 days.

        Reply
  29. Neeraj Pansari

    Amazon vendor also added like flipkart in smartbuy portal.
    Page gets redirected to amazon.in website, where you can search and purchase anything.
    Confirmed with HDFC customer care.

    Reply
  30. PD

    Does Smartbuy 10X on DCB work through Payzapp app as well? Appreciate if someone who tried and validated this can confirm here.

    Reply
    1. Gkcards

      Diners card cannot be added in payzap. It’s wierd that HDFC app doesn’t allow one type of HDFC cards

      Reply
  31. Joseph

    Do you have to log in to smart buy to avail this offer? I recently bought a laptop on flipkart going through smart buy page but as guest. Now there is no record of that transaction on smartbuy page. How do I escalate if 10x points are not credited (as many people have experienced previously).

    Reply
  32. Nitin Arora

    Hi guys
    I have a query regarding smart buy. Will I get 10x points for my regalia if I use no interest emi of flipkart for my transaction of buying of mobile during big billion days?

    Please help.

    Reply
      1. Siddharth Post author

        Yes, you do get 10X points in this case. But note that it’ll be posted in parts based on how much being charged to card every month.

        Reply
  33. Mukul

    Hi
    Can anyone comment is it possible to get the details of the point earn both 1x and remaining 9x since I think they have missed one of my 9x point for transaction done 3 month back 🙁

    Reply
  34. KRISHNAKUMAR

    A new 10X offer now.. Under Smart buy- Jewellery Purchase in any shop Max Reward points 10000

    Reply
  35. Sayan Das

    Just to confirm for DCB
    Upper Cap reset for 10x partners of DCB is statement cycle
    Upper Cap reset for smartbuy is calendar month
    And 25K limit is mutually exclusive for Smartbuy and DCB partners

    Example 1: In November, If statement cycle is 15th of every month, i can purchase tickets on 14th from SOTC worth 75K, again from SOTC on 16th for 75k, again on 29th through SmartBuy worth 75k and finally from smartbuy on 2nd of December worth 75k, together i will get 100K points credited. Are there any violations happening as per T&C?

    Reply
    1. Ganesh

      @Siddharth
      Can you share some knowledge on this offer
      10x partners offer is per statement cycle ? means if my statement generated date is 5th of every month cap will start on 6th ?
      smartbuy offer is per calender month ? every 1st it will reset ?

      Reply
  36. stilllearning

    HI Op
    Is add on card also eligible for 10X point ?
    (If I do transaction using add on card it also occur 10X point on prefered partner ,smartbuy and pos international transaction ? global limit will combined diners reward)

    Reply
    1. Malavkumar Patel

      You can get 10x for add on as well, Primary card holder and add on both have same 10x upper cap.

      Reply
    2. Gautam

      HDFC primary card and addon cards are treated as a single card. They have the same card number. Even CVV number is same.
      All transactions done on either card will be counted on primary card.

      Reply
    3. Prashant Gupta

      Yes they are with a combined cap on all primary and addon cards

      Reply
  37. Prasanth

    This card is crazy & like you aptly pointed out ‘addictive’ rewards! I have received at least 3.7L (transaction volume around 35L) in rewards in the last 13 months! Thanks to Card expert & Siddharth!! – I wouldn’t have gone for this card otherwise!

    Reply
  38. Sayan Das

    Can somebody help with the below query.. HDFC Customer care seems clueless – Specifically there is nothing mentioned about reset cycle

    Just to confirm for DCB
    Upper Cap reset for 10x partners of DCB is statement cycle
    Upper Cap reset for smartbuy is calendar month
    And 25K limit is mutually exclusive for Smartbuy and DCB partners

    Example 1: In November, If statement cycle is 15th of every month, i can purchase tickets on 14th from SOTC worth 75K, again from SOTC on 16th for 75k, again on 29th through SmartBuy worth 75k and finally from smartbuy on 2nd of December worth 75k, together i will get 100K points credited. Are there any violations happening as per T&C?

    Reply
  39. Sid

    Hi Mates…Need some help here. Any idea if 10x offer is applicable for voucher (eg. lifestyle) purchase from Amazon or Flipkart?

    Reply
  40. Ankit

    Please help with the below query…….
    International Transactions :-
    Limited to: POS Spends only
    Upper Cap: 10K for Diners Black
    Upper Cap Reset: Calendar Month
    Example :- If i will use my Diners Black credit card for Rs. 30K on 30th Nov @ POS International Txn and again use the same card for Rs. 30K on 1st Dec (post previous calender month) then will i get 10,000 RP each for both the transactions done in the month of Nov & Dec.

    Reply
    1. Tarun Gopalakrishnan

      Not necessarily because even if you make the transaction on 30th, merchant may claim it 4-5 days later. Happens every time in my case actually. Hdfc always takes the settlement date and not txn date for calculation. It differs for international transactions always

      Reply
    2. Arun Kumar Allu

      Be watchful of when the 30 nov transaction is claimed by the merchant. Reward points for outstanding authorization amounts are not credited. Once the amount is moved to billed debits, then on that day the reward points will be considered.

      In your case, it may probably be claimed by merchant in next month in which case you wont get points.

      I am sure this happens with online transactions but not sure of pos transactions.

      I lost 14k points because of this issue. I always keep 2 days buffer for not getting into this issue.

      Hope this helps.

      Reply
  41. Guna

    Thanks Cardexpert for the valuable tips. Living with DCB for the last two months, could get 20k points, remaining still on the way… exited to accumulate and use for air travel…

    I used to pay dues of Air India SBI Signature card using SBI debit card. With this process I used to get reward points from the debit card too… Is there any way to pay HDFC DCB Credit card dues using SBI, Axis bank or HDCFC Debit card other than netbanking… Pls Suggest..

    Another minor issue, while booking air tickets through smartbuy, insurance option is not available along with reservation.. usually smartbuy books the ticket through yatra,cleartrip …. somebody can suggest…

    Reply
  42. Mathew Puthoor

    Hi,

    I have recently got a diners black credit card. I did a transaction on Redbus – which is a 10x partner – a few days back. I have received only 1 reward point for the transaction, and not 10. I booked the ticket via normal route. Does is take time to credit 9x points like in smartbuy or is there something special I should have done to avail the 10x offer.

    Reply
  43. Ramesh Kumar

    TnCs updated for 10x on Smartbuy: jewellery, gold and gift vouchers purchases exculded from 10x eligibility. Maybe lots of enquiries went into customer care team about eligibility for gold and GV purchases on Smartbuy.

    Reply
    1. Puneet Singal

      This is big change! As a practice for past several months, I had been purchasing gold coins from Flipkart using the Smartbuy route. Will bank be able to track what is being purchased from Flipkart?

      Reply
  44. Joseph

    1. Has anyone bought international flight tickets on smartbuy? How was the experience? Did you face any problems with the booking or with the airlines? Did you get 10x points. I am considering booking an international ticket, that’s why.
    2. Also my credit limit is less than the total cost for the flight tickets for four people. So how do I book without splitting booking into two tickets?
    Thanks

    Reply

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