HDFC 10X Rewards Program further Extended (April 2019 Update)

By | April 8, 2019

Here are the latest updates on the 10X Reward Points promo running on HDFC Bank Credit Cards. While HDFC gave a shock by March end by Changing 10X Points to 5X, they revoked that idea in a day and extended the previous promo.

Here’s the previous full fledged update on January 2019 just incase if you want to compare. Here’s everything you need to know,

Smartbuy Offer

  • Extended till: 30th April 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
  • Point will be posted: 90 working days from the date of transaction. In reality, Flipkart points getting posted lot faster than amazon.
  • Offer T&C

Diners 10X Partners

  • Extended till: 30th June, 2019
  • Upper Cap: 2K for Diners Rewardz, 5K for Diners Clubmiles/Premium & 25K for Diners Black
  • Upper Cap Reset: Statement Cycle
  • New: Swiggy (instead of Zomato) & Furlenco (instead of Redbus)
  • Point will be posted: in next statement cycle.

Bottomline

Reg. Smartbuy, its safe to ‘assume’ that this is the last month of enjoying the 10X rewards. Going forward, we may need to settle with 5X points and 5% cashback. HDFC even made the 5X banners live for a while and then decided to change mind for some reason. But not for long!

Reg. Diners 10X Partners, its good to know that they’ve extended it further till June. I don’t see 10X on diners going away anytime soon, except changes in max caps and partner shuffle. This time, Redbus going away maybe a miss for some.

Overall, the fun is still on, Happy shopping! What’s your take on HDFC’s 10X promo changes? Feel free to share your thoughts in the comments below.

Author: Siddharth

I love Credit Cards! Minting reward points and cashback for years. Now exploring Airmiles & Hotel loyalty programs. Obsessed with aviation, airport lounges and luxury travel at affordable cost.

187 thoughts on “HDFC 10X Rewards Program further Extended (April 2019 Update)

  1. Mohan

    Glad that 10X partner offer is continuing and that they have kept one food delivery partner intact (Swiggy this time) … Redbus is a big miss for me πŸ™

    Reply
    1. Abhijeet

      True that … Redbus is a huge miss for me as well. I am sure there might be some catch somewhere ( knowing HDFC , they dont take too much time – 8 days in this case – update the partners. Probably as and when we read the TnC we might know better.

      Reply
  2. Majumdar

    The last 12 months havent been good personally for me. First, my employer started a travel desk. And then gold coins were removed from 10x list. No easy pickings any more. You have to now actually spend real money to earn points.

    Regards

    Reply
  3. Binay

    Good news.
    But Furlenco ? I would have really liked PepperFry or Urban Ladder. πŸ™‚

    Reply
  4. ankit kandoi

    What about transactions between 31st and 8th?

    Why have they written in t&c that it’s extended from 8th?

    It creates issue ..as bookmyshow has offer which was already running post 31st as well.

    Reply
    1. Abhijeet

      Yeah. Read the TnC now. I did 2 transactions on bigbasket between 1st and 7th April. I am inclined to believe that the program is effective from 8th till june 30th for the newly added partners and not for those who continued to be onboard.

      Reply
      1. Annie Shruthi

        Hi Abhijeet, is there anything special to be done while shopping on big basket to get the 10x rewards or just the payment is to be done via diners black card?
        Thanks in advance.

        Reply
  5. Ravi

    For a day in Amazon’s terms and conditions they kept validity date till 31st December, may be the offer is extended but they do not want to show because then customers do not spend agressively. Fingers crossed.

    Reply
  6. rks

    On the website of Redbus, the 10X offer still continues till 30 April 2019..

    Reply
    1. Ravi

      Red bus is still a 10x partner with Business Range of Credit Card i.e. Business Regalia, Business Regalia First and Business Moneyback. May be it is showing info with that regards.

      Reply
    2. Aman

      Confirmed that this benefit is not there whether it is wrrtten or not

      Reply
  7. Anshul

    One thing is for sure, HDFC has a poor team which manages these promotions and communications! Also, they need to manage their websites properly and hire better people who can write clear T&Cs and not post multiple contradictory ones!

    Reply
  8. Deepak Kumar

    hi,

    i have ~50k points with HDFC regalia card.
    Is there anyway i can redeem it for Amazon vouchers?

    Reply
    1. Amann

      You can but it will be pennies on the dollar result. First convert points to JP miles an then jp miles to Amazon evoucher.

      Reply
      1. Ket

        Amann, how does converting to JP Miles make a good deal? DCB points equal Re. 1, whereas buying Amazon voucher on JP is equivalent to less than 20 paise!

        Reply
      2. BargainHunter

        jp miles to amazon evoucher is further pennies on the dollar!

        Reply
  9. Nehal Siroya

    10X partner points are over a statement cycle. Since there was a break in between, would the same statement cycle continue (with limits aligned to your statement cycle) or all of it starts afresh? The reason I am asking this is because most of us would have less than a month left in our statement cycle. In that case, will I have a cap of 25,000 points (assuming I have a DCB) for the remaining days? Can someone clarify?

    Reply
    1. Prashant Gupta

      Its simple….month means calender month and statement cycle start from next day of your statement generation day. nothing changes.

      Reply
      1. Nehal

        So if my statement gets generated on 17th, would I get 25000 points upper cap for spending during 8th to 17th? Or would it be less?

        Reply
  10. Rushabh Shah

    Can someone help with this query on points? My statement cycle is on 17th. So smartbuy limit of 25k is on calendar month and for partner websites it’s statement cycle.

    Does it mean these 2 are independent? Can I get 25k from smartbuy and 25k on partner sites both? How is this calculated?

    Reply
    1. Amit

      Yes both are independent.

      For Smartbuy, any transaction made between 1st to 30/31st, you will get 5 points (1x) for every Rs.150 instantly (but would be available for redemption after generation of statement) and the incremental 45 points (9x) are posted within 90 days. However, for Flipkart, Hotels & flight bookings they are generally posted within few days.

      For Diners 10X also same process is followed. However, instead of calendar month, its based on statement cycle.

      There is no limit on 1x points. However, for 9x points there is a limit of 25k each both for Smartbuy & Diners 10x.

      Reply
    2. Chintan

      Yes both are independent, you can make 25k on smartbuy as well with 25k on Diners partners.

      Smartbuy counter reset at month end while partners reset with the statement

      Reply
      1. ab

        @chintan
        Is flipkart 9X incremental RP still posted in 3 days . i am not receiving same from 1st april onward till now.

        Reply
        1. Chintan

          I made a purchase from flipkart on 13th April and 9x is already credited to my card account in less than 3 days. I made a new purchase on yesterday i.e. 17-4-2019, I ll keep you posted on this one.

          Reply
        2. Chintan

          Hi, I didn’t receive 10x on the purchase I made on 16th April on Flipkart, I think they do have made some change.

          Reply
          1. ab

            what do you think will they post in 1st of next month as they made earlier or they follow amazon route i.e. 90 days after complaining by mail.

  11. Aman

    I have confirmed from the customer care that we r not going to get the 10x point of transactions done from 1st to 7th april as the offer is extended from 8th april

    Reply
  12. ankit kandoi

    Aman, for bookmyshow : offer was already on going. In that case what happens?

    Reply
    1. Aman

      Yes also confirmed that also only 10x from 8th april and not from 1st to 7th april

      Reply
      1. Ravi

        You will get 10x on Diners Partners who are continued after 31st, if not all then at-least BMS. I am confident about it.

        Reply
  13. S&S

    Fivetastic Offer discovery and experience

    1. Only make my trip shows up on the deals and offers link, while on hdfcbankdinersclub.com 5 brands appear to be part of deals and offers.

    2. The deal code hdfc5x on make my trip didn’t work for me.

    S&S

    Reply
    1. Vivek

      Same here. HDFC5X didn’t work for me. HDFC customer care was clueless and asked me to contact MMT. MMT customer care was clueless and promised to call back but never did.

      Reply
    2. Ravi

      Yes it is not working, but i have a Business Regalia card and MakeMyTrip MyBiz is a 10x Partner with business series of credit card so i use it to book flights from makemytrip.

      Reply
  14. Ramesh Kumar

    In redBus offers section still diners 10x offer is active till Apr 30th, but they’re not 10x partner as per HDFC diners website.

    Reply
  15. Sandy

    Is HDFC providing 10X points on currency upload on forex card for Regalia card holders. If yes will this be applicable on the suplementary card too, means u can mint this twice
    Also can you get airport lounge access on primary and supplementary card at the same time

    Reply
    1. Ravi arya

      You do get airport lounge access for both the primary and supplementary cards at the same time. Regarding forex i have no information.

      Reply
    2. S.S.S

      Airport lounge access available for primary and secondary card holder on HDFC diners club miles . They have not stated it anywhere but it works

      Validated at Bangalore and Hyderabad
      The total visit that we get is 6

      So 6 gets distributed to Primary and secondary card . It is not 6 each.

      Reply
  16. @ry

    @Siddharth
    it’s very good news.
    now can you please update the best credit list.

    Reply
    1. Binay

      Hahahaha, I like this comment, precise and to the point πŸ™‚

      Reply
  17. Mickey

    @Sandy – both Primary+ add on HDFC cards have the same number. So how can you get the points twice??

    Reply
  18. Pushan Sikdar

    Given that DCB has stopped 10x in foreign spends which is the best card to get now for FCY spends.

    Reply
    1. AJ

      They still give 10X for HDFC forex card recharge using DCB. πŸ™‚

      Reply
  19. ABhijeet

    Has anyone tried to do a Multicity booking through HDFC DIners black ? Currently it is not supported on the website, however is there any way to use the points and do multi city booking ? Has anyone done it ?

    Reply
    1. Prem Taparia

      You may call at their Concierge number and enquire. They can do the booking offline and send you the link for voucher redemption.

      Reply
    2. aka

      The concierge does it but obviously it is cumbersome and some connections may not be available with them..i tried to do one multi city with them but the preferred option was not showing at their end….ended up doing the second best !!

      Reply
      1. Abhijeet

        For me the concierge was very helpful. They have the flight options that i was looking at. Pricing was a bit on higher side around 5% more and i gave that feedback.

        Reply
  20. Raghav

    I did a transaction on Amazon and I bought tickets from SmartBuy (Yatra). Usually, SmartBuy would credit travel purchase 10x points within a couple of days and they would precede that with a text message to the phone as well, but I noticed that I didn’t get a text for ticket purchase this time. I called the concierge and they said that from the 1st of April, they have stopped sending texts for 10x and that points will only be credited within 90 days of the transaction. Has anyone received 10x points for the month of April for any ticket purchase? Also has anyone got an idea about how long before Amazon 10x points are credited? Does anyone think that there is a devaluation coming up and hence the 90 day delay- and thus maybe better to use Infinia website to get 2x immediately?

    Reply
    1. Mathew Puthoor

      I also didn’t get message about transaction done in smartbuy flipkart. Earlier getting the message 2 days after doing the transaction was a relief. Haven’t received the bonus RP as well. πŸ™

      Reply
    2. Diwaker

      I was going to ask for the same in context of Flipkart. Earlier, the 10X points were getting posted with 3-4 days of the transaction. But that’s not happening since 1st Apr.
      Can others also confirm on it or if there is a official word on it from customer care also?

      Reply
      1. S&S

        Diwakar and Raghav
        Same here. Haven’t received sms for flite and flipkart purchases.
        When I spoke to imperia care on April 6th, I was told:
        1. Smartbuy 10x RP for airline tickets and flipkart gets credited within 2/3 days
        2. Smartbuy 10x RP for amazon has 90 day credit window
        3. 90 days windows for any other bonus RP on ‘offer’, such as insurance 2x.

        Looks like the 10x – 5x – 10x change over has also taken its toll on bonus RP credits.

        S&S

        Reply
  21. Harish Jindal

    HDFC is very very poor in crediting the points.

    Today, I called customer care to check reg the points credit for smartbuy and diners partner merchants. I have many transactions of small size but my points credited in total were very less.

    e.g. if I have transaction of Rs 290 on uber then according to me, I should get 290*5/150 = 9.67 (they can round down to 9) 1X points and 290*45/150 = 87 9X bonus points. Total points = 87+9 = 96
    But imperia customer care told me that for every Rs 150, I get 5 points. So, if I do transaction of Rs 290, its still not 10, so I get only 5 points.
    So, according to them for Rs 290 transaction, I will get only 5 1X points and 45 9X bonus points, so total 50 points against my calculated 96 points.

    Now, 50/290 is only 17% against 33% as advertised by HDFC.

    If someone has any such experience or information, please share.

    Reply
    1. Prashant Gupta

      This has been there from long time. Every transaction ins rounded to nearest multiple of 150.

      Reply
    2. cardexpertfan

      This is correct as per HDFC t&c. You only get points for multiples of 150. For eg. If you spend 300 on 10x partner/smartbuy, you’ll receive 100 points.
      However in your case, since you spent 290, you’re only eligible for 50 points since 290 < 300.

      Reply
    3. Prem Taparia

      Your calculation is incorrect. Please be aware that HDFC credits one point on every “150” spend. If the spend is less than Rs150, then you earn no points. Also if you spend more than Rs150, but less than the next multiple of 150, then you will earn points ONLY for 150 and NOT for the balance amount.

      Which is exactly the case in your example.

      Out of your Rs290 spend on Uber, you will earn points only on Rs150. The balance 140 (since it’s less than 150) is wasted. Had your Uber spend been Rs300, then your points would have been 100 (10 1X and 90 9X).

      Reply
    4. Satish Kumar Agarwal

      @Harish
      HDFC customer care is right. You may not like it, but that’s how HDFC calculates points on its cards. So it becomes less earning on small value transactions. Better way to maximize points is to do high value transactions, which will earn you near what is advertised.

      Reply
    5. Abhijeet

      That calculation is correct. It is also written that you will get 5 points only when you do 150 rs transaction and its multiples.

      Reply
    6. Mudit

      Hi Harish
      Thats exactly how they calculate points. and their justification is that they have written 5 points for every 150.
      i have been experiencing this since i have this card (2 yrs now). so for all the transactions like 290 or 449 or 599 i use other cards for normal transactions (for 290 u will get just 5 points vs say citi primier whr u will get 12 miles). for hdfc 10x i try to add aomething to cross the 300 or 450 mark in case of bigbasket etc.
      for othrs like flights, uber u have to be satisfied with approx 20% instead of 33%

      Reply
    7. Mudit

      And yeah, you wont get amything if u do a transaction of Rs 149. neither x nor 10x.

      Reply
    8. Ravi

      Ya it’s true, you generate 5 every 150 RS.
      So if you do transaction of 299 RS you make 5 points and if you do transaction of 300 you make 10 points.
      How to calculate
      First divide amount with 150, say amount is 550 then 550/150=3.66
      Now remove value after the decimal you will get 3
      Now as you earn 5 Points every 150 multiply 5 with 3
      5×3 =15
      For 10x, 15×10= 150

      If you want to do same in Excel
      =TRUNC(C5/150,0)*5*10
      Target amount cell in place of C5

      Reply
    9. Mathew Puthoor

      What CC told is how it works. If uber fare is 290 you will get 10x for 150rs only which is 50 . If fare is 300 you will get 100 points.

      This works not just for 10x partners but for all transactions. If you swipe your card at a normal store for 100rs you get no points

      Reply
    10. Ravi

      Harish
      That’s the catch in calculation of hdfc points for low value transactions.

      Somebody gave the below formula for calculation in the forum for diner’s black

      Formula =TRUNCATE(transaction_amount/150,0)*5*10

      So for 290, value would be 1*5*10 i.e. total 50 points.
      So if transaction amount is below 150, there would be absolutely no points.

      Reply
    11. Diwaker Singh

      it has always been like that only. For Rs. 290 you will get 5 points (1X) and then 45 (9X) points later.

      Reply
    12. Srikanth V V

      Yes, thats true.
      Even if you make 299, you get 5 normal reward points +5*9 (=45) bonus points.
      This is true not only for 10X rewards, even for 1X also this applies.

      Reply
  22. Rohit Roy

    @harish Jindal
    I too raised the same question and what reply I got was the remaining amount is added to the next purchase. That doesn’t make sense at all.
    For Eg: out of your 290 you get points for 150 and remaining 140 would be added to next purchase bill which is above 150 . If that was the case I told to customer care that then if my transaction cost is more than 150 then I can very much do the calculation for total billed/statement amount. But never the points credited are right. They also said that they will send me the statement breakup which never happend. I still didn’t get 10%cashback for transaction through smart buy Amazon using debit card for month Feb. I only had hdfc card but now I am going to get other bank cards too. The only place points got almost correctly credited was flight tickets through smart buy so I didn’t bother for few points which was still around 100 to 200 points less.

    Reply
  23. Anant Agarwal

    Yes, their calculation is correct. They give points for every multiple of 150 and nothing for parts.

    Reply
  24. Mickey

    Despite having good products/ offers/ rewards, HDFC cards customer service has consistently remained (and worked very hard to remain) the WORST customer service staff ever. They even beat the pathetic service standards of uber.

    But being the no. 1 (?) Card issuer in the country, they really don’t care because 80-85% of their card holders are not even aware of the card features and benefits.

    Reply
    1. Garimasushil

      I ya even i want to know. Do we get 9x for uber eats and bigbasket dailies.

      Reply
  25. Sharad

    Has anybody experienced delay in 10x points credit in last 10 days? Earlier smartbuy Flipkart points were getting credited on 3rd or 4th day, its taking time now. I am still waiting for credit against purchase done on Apr 7th…

    Reply
  26. Ravi

    I keep thorough calculation of all the 10x points i get, to my calculation i haven’t received 10x points for RAZORPAY ZOMATO and CITRUSPAY ZOMATO done after statement generation in march and before 31st March. I received 10x for Zomato Transactions in which razorpay and citruspay is not mentioned.

    I did receive the same before in Jan Feb and Mar,
    it is just this month.

    Reply
    1. Anant Agarwal

      Hi chintan,

      I had same obswrvation for txns done in mar on zomato and bigbasket (10x diners merchants)..i confirmed with customer care and they also agreed that the point have not been granted yet. They had opened a ticket for backend team but i am waiting for status update on ticket since past 10 days.

      Reply
  27. Rajnish

    Have one query. Do we earn 10x points for SmartBuy flight bookings for vendors other than Yatra and Cleartrip?

    On HDFC diners website it mentions only Yatra and Cleartrip.

    Reply
  28. Chintan

    have anybody received a winpin BMS voucher from HDFC for standing instructions, I received one but it isn’t working

    Reply
  29. Chintan

    I received 10x points for Flipkart EMI Instantly but the same isn’t happening for new transactions.

    Reply
  30. Khushboo

    Are 5x reward points now only valid for MMT, what about Kalyan Jewellers is it removed?

    Reply
    1. Ravi

      Is it valid on MMT because to my knowledge promo code isn’t working.

      Reply
    2. S&S

      That’s what deals and offers in smartbuy says…
      But hdfc5x code isn’t working on MMT.
      Kalyan etc shows on hdfc page but doesn’t show on deals and offers page of smartbuy.

      S&S

      Reply
  31. Anoop

    Is there any minimum purchase amount to get 10x on flipkart and amazon through smart buy using DCB.?

    Reply
  32. Chintan

    I made a purchase from flipkart on 12th April for which i received 9x points on 15th, 14th is my statement generation date. Later i made a purchase on 17th for which i haven’t received 9x points yet.
    I believe they have changed that method by which 9x points get credited to account from 3 days period to next statement in flipkart same as in with diners partners.

    Reply
    1. ab

      they not providing at the statement cycle to me. i think they will post the RP’s @ 1st day of succeeding month as earlier.

      Reply
      1. ab

        they are not posting the RP’s @ 1st day of succeeding month as well. look like flikart RP now follow amazon route.

        Reply
    2. Saurabh

      As per my analysis:

      1. Partner brands like uber, big basket: They follow statement cycle and bonus 9x RP are posted on the next day of statement generation for previous cycle transactions.

      2. Flipkart smartbuy store / smartbuy flights & hotels: Bonus 9x RP posted on 1st / 2nd of the following month. Cutoff is probably 29th/30th of every month. Last day transactions are generally posted in 3rd month then.

      3. Compare & Shop, Amazon store: Bonus 9x RP are posted on 1st / 2nd of the 3rd month. Ex. Amazon transaction in April, bonus RP on 1st / 2nd of June.

      Now most importantly, the problem is that monthly limits for Bonus RP (25k for DCB) are calculated on posting month and not the transaction month.

      Ex. Amazon transactions of 60k in April, and Flipkart 60k in May, you’ll get only 25k in June. I have already lost some 20k due to this.

      Hope this helps. Please let me know if you have any other versions/observations.

      Reply
      1. Sharad

        Hey Saurabh – What is the source of below info?? If this is true then this is a big trap!!!

        “Now most importantly, the problem is that monthly limits for Bonus RP (25k for DCB) are calculated on posting month and not the transaction month.”

        Reply
        1. Saurabh

          Hi Sharad, I lost around 20k points in November last year because of Amazon transactions in September worth 60k and Flipkart transactions of another 90k in October during Flipkart Big Billion days. I received exactly 25k points on 1st November, which looked fishy to me. So I raised this issue to HDFC and after an exchange of almost 25 odd mails, I had to rest my case as they said explicitly in writing that limits are imposed on posting month and not transaction month. TnC says bonus RP in 90 days and 25k monthly limit on bonus RP, thats it, no further details. So they are not wrong for this scenario.
          I learned this a hard way, now you can plan transactions accordingly.

          Reply
          1. OP

            This is big issue, potentially then can wait for 3 month and post all 3 month in one shot to reduce your bonus points.

      2. Ajau

        This doesn’t seem to be right. The limits are on points EARNED basis and not Posted basis. There are several months when I have earned 50k plus points for smartbuy transactions due to timing of posting. Don’t know if it has changed recently but was the case till at least Feb or so.

        Reply
        1. Nehal

          @Ajay – Can someone confirm this with the customer care? That would be really helpful.

          Reply
  33. Gautam

    HDFC having 10x promotion on MMT for domestic hotels till June.

    Reply
  34. Mohit Arora

    3. The offer is valid till 31st May 2019.
    Just seen updated on Smartbuy page

    Reply
  35. Shail J

    Makemytrip has been added to the list of 10x partners. Looks like it might become a new partner post April 30 replacing one of the existing ones.

    Reply
    1. Sharathkumar Anbu

      For Makemytrip, only select hotel bookings fetch 10x reward points not every booking.

      Only select hotels bookings on MakeMyTrip between 26th April and 30 June 2019 are eligible for 10X Rewards.

      They have some specific promo code in Makemytrip for the same.

      Reply
    2. pawan

      Only select hotels bookings on MakeMyTrip between 26th April and 30 June 2019 are eligible for 10X Rewards.

      Reply
      1. Binay

        The Taj Mahal Palace, Mumbai is in list.
        Can someone tell me how to double dip on HDFC 10X and AMEX Plat Travel 10K Voucher?
        I am excited.

        Reply
        1. Mouli

          You can book the hotel using MMT through 10x and pay your food bills using Amex voucher (only if you pay during the checkout)

          Reply
      2. abhijeet

        There are two separate web pages for 10x offer on domestic and international hotels from MMT. These are specifically for diners club card holders.
        While 10x offer is for select DOMESTIC hotels ( hotel list is provided on the webpage ) along with a promocode , there is no promo code for international hotels. Also it seems that all international hotels are eligible for the 10x offer.
        Please let me know if there are any specific terms and conditions I am missing.
        Regards, Abhijeet

        Reply
        1. Rohit roy

          By default is it not 10x for any purchase through makemytrip ? or do we have to select something. I literally hate mmt because of their meaningless GST. Somepoint I even thought of exposing MMT.
          Also HDFC these days are doing lots of gimmick offers and they are not transparent at all.

          Reply
          1. Sahil

            Hi Rohit,

            Can you throw some light on GST by mmt. What exactly mmt is doing??

          2. Shrey

            You are right they can be more transparent, have less t&cs .For amazon they have list of items not getting 10x now in mmt again list of hotels getting 10x.one good thing is there customer care is prompt and on top of all this.but this is only if you have dcb otherwiseπŸ˜‚

          3. Chintan

            You can mention mention your GSTIN during the booking to claim tax credit,
            When you receive the voucher you will see GST as 0, it is because MMT do not provide you with GST Bill it is hotel which is suppose to do that.
            In december i stayed in a hotel in Daman, but hotel didn’t provide me with bill with my GSTIN on it, though i mentioned it while booking in MMT.
            So i raised complain on MMT. For which i received refund of Tax amount on bill directly to my Card. I guess MMT must have penalized hotel for the same amount.

  36. DeeJay

    Is there any way to check how much reward points are accumulated, transaction wise, for Business Regalia First? I am not able to calculate the reward points I earned against each transaction for the month of April 2019.

    Reply
    1. Rohit roy

      @DeeJay
      You cannot check. Thats the biggest con of HDFC bank credit card. Neither you will get points correctly. What you can try is ask customer care to send breakup which they never did for me. Only for high end expense i escalate and get behind them or else i just let it go.

      Reply
      1. DeeJay

        Oh. That sucks. I swear I could find many discrepancies between transactions and the rewards.
        Anyway, thanks!

        Reply
  37. vyom aggarwal

    did not recieve 9x points for smartbicalled diners, they said that reward points have not been posted for april and would be posted after 90 daysy purchases of april

    Reply
    1. ab

      I think this is because they mention during april & May extension of 10X i.e. “10X Rp will be posted within 90 days after the transaction month” earlier it was simply within 90days.
      i am also not getting RP of 25k for april month flipkart transaction

      Reply
  38. Prashant Gupta

    Hi all… when do we get 10x points for smartbuy emi transaction. Is it in 1 go or split like the emi.

    Reply
    1. Mudit

      Hi Prashant

      FOr EMI i got the points when the EMI was posted. And the EMI was pasted just on the Bill CYcle ending day… so I got the points with every cycle commensurate to the EMI

      Reply
  39. abhijeet

    Following are some quick help feedbacks on 10x on MMT via diners card.
    1. This service sucks. It shows technical error while booking. So if you have other options better ( smartbuy compare and stay works better )
    2. you need to be signed in on MMT. You need to save /register your diners club card to see the option on the checkout page.
    3. You dont get to see the option on all the hotels, wherever it is visible , you need to select the option.
    4. WHen you select the option, you cannot apply your wallet balance and also you cannot apply any other promo code.
    5. Effectively it is not more than 10% ( as against 33% claimed ).

    PS : I tried to book interlaken ( switzerland hotels ) and I didnt get the option. While I got the option when I was booking hotels in lucerne. The transaction didnt go through because of some “Technical issues” as confirmed by make my trip. No response on how they could be avoided. I tried different transactions and every time it failed.

    As usual an extremely dismal display.

    Thanks & Regards,

    Abhijeet

    Reply
  40. sandeep

    HDFC is offering 5% Instant Discount till May 7th at Tanishq

    Also double dip for 5x points at tanishq on 6th and 7th May (offer applicable at any jeweller) max 5000 points.

    This makes a possible 10% saving using Regalia/Infinia/DCB

    Reply
  41. Mudit

    Just had a conversation with the DIners CUstomer care. The April points will be posted in 90 days. For May they have got approval again and will be posted in 1 month (Like it was posted in Jan-Feb 2019 etc.)
    SO as a result the May points will be posted before the April points.

    Secondly, due to this shift their system is also confused. I got a deduction of 10x points for a transaction which was cancelled but never got the credit of those points when I did the transaction.
    Please look out for such deductions without credit and intimate them!

    They are taking note of these and reaching out to their backend.

    Lot of confusion and points loss might be their due to the different approvals if you have done transactions during this period

    Reply
    1. Rohit

      Wow, I just checked and 22k points have been deducted from me. Thanks for the info.

      Reply
    2. ab

      flipkart 10X RP for month MAY 19 is posted in three days. what about april RP’s.

      Reply
  42. Ravi

    I just got my HDFC account upgraded to Preferred Banking.
    Now, how to get Platinum Chip Preferred Debit Card?

    Under netbanking i can see Platinum Chip Card only, preferred isn’t mentioned there.

    Reply
    1. Siddharth Post author

      Branches these days have instant Preferred debit cards. Block your old card and ask for replacement via branch.

      Reply
    2. Rohit Roy

      @Ravi
      RM took form to convert account to preferred 2 days back and no response from him. How will I know whether my account is converted to preferred ?
      Its been 5 months I didnt get my 10% cashback through smart buy. Let me see how fast the RM would get it for me. If he is not able to get then i find no use of being a preferred customer. Also is there any charges for being preffered banker after year. I have seen random post where people have claimed bank has debited every quarter for maintenance charges.

      Reply
      1. Satish Kumar Agarwal

        Dear Rohit
        You are right. Earlier there used to be a quarterly maintenance charge for being part of Classic/ Preferred/ Imperia programme, but since last 1 year or so they have removed it completely. So, no more charges for being Preferred customer.

        Reply
        1. Rohit roy

          @Satish Kumar Agarwal
          Thanks for the update and how am i suppose to know. Will it mention in netbanking ? Also even though i don’t have enough balance branch manager and RM were saying thats not an issue and its under sole discretion of RM to retain or remove from preferred program. The only benefit i find is 0 balance since i have been maintaining 25k balance account for very long and already find it waste for blocking my funds.

          Reply
          1. Satish Kumar Agarwal

            @Rohit
            Though Preferred programme mentions minimum 2 lacs in savings balance or 15 lacs across FD and balances, what RM said is right. Even if you don’t maintain Preferred criteria it’s the RM who can downgrade. Don’t worry about the occasional emails telling you about fund shortfall.

        2. MT

          they removed the charges because they faced a very big backlash from the account holders…also a financial journalism magazine just went behind the MD asking about the reasoning behind the move.. he had to bow down soon…HDFC was trying to make more money out of higher end customers and compensate for the losses they face in maintaining Jan dhan/basic savings accounts

          Reply
      2. MT

        when you log into netbanking , the page will display in yellow color and you will see prefferred/classic/imperia badging on the top…just put a debit card reissue via net banking to get the upgraded debit card

        Reply
      3. Chintan

        @Rohit,

        For 10% Cash Bank on Debit Cards, Login to Netbanking
        Go to Cards > Debit Cards > Enquire > Cash Bank Enquire and Redemption

        Reply
        1. Rohit roy

          @Chintan
          I could see the option “Debit card Promotional cashback points” . Is this the place where smartbuy 10% cashback lands at. Million dollar question is why is that the customer care didnt tell about this nor the grievance team and nor the branch staff. Also i am not sure points shown is the correct points which i am suppose to get ? Anyways thanks a ton there is around 1000 points shown πŸ™‚ would have never know because I have never used my debit card before.

          Reply
          1. Chintan

            Exactly, and they haven’t mentioned about this anywhere in the terms and conditions too.

          2. A2Z

            I believe HDFC showcased how to redeem debit card cashback in their smarbuy offer terms.
            All debit card promotional cashback is pull based ie one has to redeem it to get in their account. So one need to keep checking their netbanking cashback section.
            Once redeemed the same is credited in 2-3 days in account.

  43. Rohit roy

    @mt
    Thanks for the info. Same thing happened with sbi who were charging for sms maintenance every quarter. Customers took that to rbi. I wanted to know one more thing regarding credit card. Might be
    @siddarth can answer. For dual credit card do we get 10x from both the cards? In terms and conditions there is one point states as “If a card member has more than 1 (one) HDFC Bank Credit Card, spends on the cards cannot be clubbed by the card member in order to qualify for the said offer” so how does it work.
    Can we avail other benifts like airport lounge from both the cards? Thanks in advance.

    Reply
  44. Chintan

    I hadn’t received any 10x points for my January Amazon Transactions, so I sent this mail to card customer support mentioning details of all the orders including order id. They processed my request in less than 3 days and points are credited to my card account.

    Reply
    1. Rohit roy

      @Chintan
      Thats the biggest negative of HDFC bank for not being transparent on reward points and I am 100% sure they are not crediting correctly. I escalate only for high points and ignore for daily expenses. Again I have no issues with flight tickets through smart buy for 10x points . Also cross check the GST charges.They are not accurate at all and if informed to RBI it would be a big trouble to the bank. I am ignoring the GST pricing too.

      Reply
      1. Chintan

        @Rohit

        True, what I did is, I mentioned all the transactions small and big I did in the month of January, and they credited 10x for all the transactions I mentioned in mail. It is easy just copy all Amazon transactions from cc statement to mail body, copy order Id from Amazon and send.

        Reply
        1. GTMAX

          It is next to impossible for HDFC close your complaint in 3 days. Leave closing a complaint, you will never ever receive a response within that time over email. I can safely assume what would have happened in your case something similar to what happened with me.

          I also had 3 big transactions done on Amazon in January which ideally as per the timeline should have been posted by April end. However, the incremental 9x points posting was delayed for all the customers and were done around 5th May. So you would have given them the customary call on 1st or 2nd May or would have dropped a mail around that time.

          So you are too optimistic to think that HDFC actioned on your complaint in such a short time. It is just that this points posting was delayed for everyone and was done around 5th May irrespective of whether a person raised a complaint or not.

          Reply
          1. Garimasushil

            I have not raised complained so i have not received points for amazon jan till today. Now i raised the complained and they said will be posted in 7 days. For nov dec jan they are not poting without complaining. So all plz check with them about all amazon transactions done in these months.

          2. Chintan

            May be what you are saying is right, but not one I mentioned 4 transactions done on distinct dates in January, and I received 9x credit for all the transactions at once. And this time it took 3 days but generally it take 7 days.

            I do not send mail exactly after 90 days, I generally pile up 4-5 transactions and send a single mail for all of them.

    2. Mayank

      Hello,
      I haven’t received the 10% cashback on my HDFC bank debit card for the transaction done on smartbuy in January 15th. I made the complaint and my complaint was sent to my personal banker. Till now I haven’t received the cashback. And yes i have checked debit card cashback section in netbanking. After waiting for 15 days, today I filed a complaint against my PB. Can someone tell me whether it is possible to change the personal banker in HDFC bank?

      Reply
      1. Rohit roy

        @Mayank
        PB is a joke with HDFC . Its been 2 weeks and still my account is not changed to preferred. Now i am feeling embarrassing that i am behind bank and they are not interested. I had to do follow up for everything. I dont know how in the world they are making profits. I am expecting something from the bank and if that doesnt happen then I dont think its worth to be in imperia or other progrm. Regarding the cashback thanks to this forum or my entire life i would have been fighting. I never knew that we will have to redeem from netbanking nor the staff said. the reason for them not to say is points get expired in year time. I just hate these type of cheap services by the banks in india. I made a purchase of 5201 and there were some 1000 points so probably i assume i got my points. Only god knows whether i actually got.

        Reply
    3. Gaurav Singh

      Hi Chintan, could you please share me the customer email id on which you sent the details ? Thank you

      Reply
      1. Rohit roy

        @Gaurav Singh
        For debit and savings account you can send to – support [@] hdfcbank.com

        Reply
        1. Chintan

          I send mails at

          customerservices.cards [@] hdfcbank.com

          Reply
  45. Gopal Gidwani

    Dear Siddharth and others,
    Can you please confirm if the Diners 10X reward points offer applies to recharges and bill payments done through Amazon?

    Reply
    1. MT

      No , there is an exclusion list (recharges , gift cards , etc)… if they were giving 10x on recharges , HDFC cards would have been God cards :p , they anyways dont gove points for wallet recharges , bills are paid via amazon pay (wallet) , no points

      Reply
  46. Prashant Gupta

    Smartbuy flight points are again being credited in 2 days.

    Reply
    1. MT

      Had a detailed discussion about this with infinia services , the representative told me there are subtle changes made internally at their end , my query was march smartbuy points were credited within 3-4 days of transaction (9x) , then why not april ? And again may points are getting credited within 2-3 days , she said Terms and conditions say April transactions they will post within 90days from transaction month (so she couldnt raise a complaint ) , may month she pointed out that tnc again changed and they are giving within 2-3 days

      I went through smartbuy TnCs , they just mention within 90days of transaction, so maybe some internal TnC they must have

      Reply
    2. A2Z

      Since May month:

      Smartbuy Flipkart
      Smartbuy Flights
      credited in 48 working hours

      Smartbuy Amazon
      90 days

      Reply
      1. ab

        All the RP’s of smartbuy flipkart of May month was now deducted day by day. anybody experiencing the same trend?

        Reply
  47. Hardik

    Can anyone help me regarding 10% cashback on Debit card,i have made a purchase amounting to 15k on Amazon and 15 on flipkart in April and may 2019 simultaneously, My card is hdfc premium rupay debit card( please help is it eligible for 10% too) , so how would be 10% cashback credited like direct account credit or some another way? Do reply πŸ™‚

    Reply
    1. Ankur

      Under cards section, go to debit card and there would be an option about cashback and redemption. Click that and your cashback points would be there for redemption.

      Reply
  48. Siddharth

    Hi All,
    Is the 10x offer extended for all customers or only some? As I did not get 10x on Uber. Only 5x. I called up customer care and they said it is only on flipkart.
    Please help as the reward points for me are significant
    TIA.

    Reply
  49. Ravi

    I have always done my flight booking from smartbuy website, but just today I installed Payzapp and I really like it.
    It’s easier and quicker here.

    Reply
  50. ab

    flipkart smartbuy 9X points are not posted within 3days after 15th of this month. also already posted RP’s are deducted of this month. any one else who experience the same. please reply.

    Reply
    1. A2Z

      So far nothing of this sort. Points are crediting in 3 days. Last transaction was on 19th May.
      Better check if any of your transaction is cancelled?

      Reply
    2. SG

      Even Tata Cliq points did not get posted within 3-4 days of statement generation, not sure what’s going on.

      Reply
  51. jambui

    Any insider update if this would extend further or not?

    I have almost reached the 25k point limit for may.
    Brought a lot in flipkart sale & received most of the points also.
    April points still missing.

    I am new to party(upgraded in april end). Hope this extends further. Lot of stuff to buy still.

    Reply
  52. Venkat

    How can you book a non-economy lite fare on Vistara using Smartbuy, or by redeeming Diners points? Is it only through the call center?

    Reply
    1. Mouli

      I have to the call concierge to book premium economy ticket in Vistara and hope the same applies to your case also
      Plz check with their call center

      Reply
  53. Chintan

    I purchased a couple of low budget smartphones on 8-5-2019 from flipkart, and i haven’t received 9x points for the same yet. I haven’t consulted customer care for the same as i know they would say that the terms and conditions say 90 days.

    Reply
    1. Rohit roy

      @chintan
      For me I am suppose to get 5000 bonus points for transaction done in Jan. Customer care said that since the offer is till march 31st I will have to wait additional 90 days i.e by june end max is the deadline even though I purchased in Jan. Thats bullshit because no where it is mentioned that 90 days from offer end date. By they way still they didnt credit in May statement. I think I should employee someone just to monitor this points and also looks like bank is deliberately doing this so that points wont be used when required and eventually expire as time comes.

      Reply
    2. vyom aggarwal

      for the transaction done in may smartbuy 9x points were credited 2 days afetr the purchase

      Reply
  54. Rakesh

    Anyone received points for Amazon smartbuy purchases ? I did alot of shopping on amazon this month using smartbuy !

    Fingers crossed and waiting if I can get 9x points and also April smartbuy 9x points..have not received !

    Reply
  55. RIAZ

    Hello Sid!

    I have a doubt regarding how the Smartbuy 10x is processed. Say I book two flights in a month – one for 65k and one for 70k — they give me 10x for 65k – if in the subsequent month, the 65k transaction is reversed, do I become eligible for 10x for the 70k transaction (assuming all this happens within 90 days).

    Any other souls with experience regarding the same could also chime in. Appreciate your insights.

    Reply
  56. Vyom Aggarwal

    They did it again
    Changed the 10x conditions again
    Infinia from 15000 to 25000
    Dcb from5000 to 15000
    Diners other variants and regalia 5000
    All other credit debit cards 5%cashback 1000

    Reply
    1. Siddharth Post author

      Its safe to wait for 2-3 “working” days for HDFC to come to a conclusion on 10X benefit extension.

      Reply
      1. Rohit

        I see the changes as Vyom mentioned on the smartbuy portal. So safe to assume the new caps are in place?

        Reply
  57. HG

    June offer on HDFC is quite sad. You need to transact using Payzapp strictly and not the website and for credit cards except Regalia/Diners/Infinia you get 5% cashback only

    Reply
    1. Anshul Kothari

      Where did you come to know that you have to transact using PayZapp only?
      On Smartbuy website, Deals & offers ( how to avail section), it says go to Flipkart/Amazon tab (as usual)

      Reply
  58. Ankush

    I have DCB , spoke to agent for booking Concierge services for booking Multi city Booking on smart Buy ( Multi city is not allowed on smart , u need to call Concierge Services . I made transaction of 76000 and they confirmed that 10x reward points are capped to 15000/-. 10x is capped at 15000 but normal transaction no capping..

    Reply
  59. SG

    Did anyone get this SMS from HDFC?

    We are moving to an All New rewards portal for your credit card from 10th June’19. Your existing Reward Points voucher #xxxxxx will expire on 10th June’19. In case not used completely, you can re-generate the voucher on the new portal in your next statement cycle. A separate communication regarding the new portal will be sent in the coming days.

    Reply
    1. Chintan

      The message is also there in the voucher generation window of regalia and Diners, they may combine all the websites to one. I don’t know I am not liking this change.

      Reply
  60. SG

    I had a general question as I am new to this. I am flying to Bangkok and was looking at the lounges available there. Diners shows a ton of lounges in BKK but most of them go by Business / First class / Airline name in their name. Do I get access to these if i’m flying economy and not on those airlines? πŸ™‚

    Reply
  61. Vyom Aggarwal

    I too have recieved the message. I have been very anxious since then. For the last 2 years HDFC has been reducing the rewards benefit constantly.
    Not a single change has been in positive direction.
    I called up diners customer care and they said that something is being added. They did not have th knowledge of what

    Reply
  62. Ravi

    What all people expect from all new rewards portal. The current rewards catalogue isn’t good enough.
    1. I expect the new reward portal to offer things at par with the price of reward points.
    2. I expect vouchers can be generated for Amazon and makemytrip at par or good value.
    3. I expect to see reward points breakup and identification windows where we can see all eligible 10x orders.
    4. A windows showing how many points are due in how many days like the one in Jetprivilege.

    Reply
  63. Ajinkya

    So, I haven’t received the 10x points for HDFC Forex reload offer. I loaded the money twice, once in May and once in June. Smartbuy points are usually posted on 1st or 2nd of every month. But, I have not received the points so far. Has something changed? (I know they officially say 90 days for posting 10x points but they do give the points early).

    No issue with diners 10x points. Only smartbuy points seem to be missing for me.

    Reply

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