HDFC 10X Rewards Program – July 2020 Update

By | June 30, 2020
HDFC 10X rewards Program

What is 10X Rewards?

HDFC 10X rewards is an accelerated rewards program that gets you 10X times more rewards than usual that you would get otherwise.

The program has set of partners only through which you can get 10X rewards and not with every merchant.

However, the 10X partners covers most of the needs like shopping, travel, etc so it ideally covers everything, especially after they added Amazon & Flipkart to the partners list.

Why is it Popular?

10X rewards program is popular especially because of 2 HDFC credit cards: HDFC Infinia & HDFC Diners Black because that could fetch you returns as good as 33% on your spends.

That means, if you spend 1Lakh, you get Rs.33,000 back. This is LOT, because the best reward rate in industry is usually in the range of ~3% and max ~10% on accelerated spends but it was never anywhere close to 33%.

So everyone who knows about rewards attempted to get Infinia or Diners Black and earned massive rewards. Some even created FD (which is not a great option to invest your money) just because of this 10X program.

I can easily say that 100’s of cardmembers earned over half a million reward points and 1000’s of them earned over 100K points just with the 10X rewards.

They’re almost equivalent to real money at 1:1 as they can be redeemed for flights & hotels. So now you know why its so popular 🙂

Types of 10X Rewards

They are multiple ways to earn 10X rewards. Initially they started this program for Diners Cards and then extended to other cards with the launch of HDFC smartbuy (a dedicated rewards portal from HDFC) which expands the 10X coverage to many cards.

Interestingly though, the Diners 10X program partners are currently paused (more on that later) but Smartbuy still continues. Here are more details:

Smartbuy

hdfc bank 10x rewards program - smartbuy

Smartbuy further has multiple merchants that could fetch you 10X/5X/3X rewards. These all used to be 10X rewards prior 1st June 2020

  • Amazon
  • Flipkart
  • Instant Vouchers
  • Hotels
  • Bus Booking
  • Train Bookings
  • Flight Bookings
  • Smartbuy Offer T&C (June 2020 Update)

Do refer to savings table for more info on which earns how much.

Diners Partners

Diners Partner merchants used to give 10X points for a long time but this has been temporarily paused due to Covid-19 as managing too many partners isn’t possible at this time, mostly because those merchant partners are facing tough times due to the impact of lockdown.

Savings

Here is how much you can save on respective categories as a part of Smart-buy 10X program.

CategoryInfinia/Diners Black (points)Other Cards (cashback)
Instant Vouchers33% (10X Rewards)5%
Flights / Hotels33% (10X Rewards)5%
Bus33% (10X Rewards)5%
Rail16.5% (5X Rewards)5%
Amazon16.5% (5X Rewards)5%
Flipkart9.9% (3X Rewards)1%
Compare & Shop9.9% (3X Rewards)1%

Max. Cap (Smartbuy)

Below are the max. caps of the Bonus rewards (9X, 4X & 2X) that you can earn through smartbuy, as on 1st June 2020

HDFC Credit Card VariantMax. Cap (per calendar month)
Infinia15,000 Points
Diners Black7,500 Points
Regalia / Diners Privilege Credit cardRs. 2,000 cashback
Other Credit / Debit card / Prepaid cardsRs. 1,000 cashback

Best Practices

Here are the best practices for purchasing to avail 10X rewards, especially for Flipkart & Amazon as that’s where most of them get issues.

Here’s the foolproof way to get the 10X rewards without fail. Even if you don’t get, following these steps will ensure you have a proof for escalation. Here are the steps to earn 10X rewards:

  1. Open Flipkart or Amazon or respective merchant from Smartbuy on Desktop. Don’t use Mobile apps or Mobile web. It creates unwanted tracking issues.
  2. Keep your products ready in Wishlist (if amazon/flipkart). Empty your cart.
  3. Keep your Video recording tool ready. Its easy on Mac.
  4. Now Open Flipkart or Amazon or other merchant via Smartbuy
  5. Goto your Wishlist, open the links and add to Cart. Better don’t add to cart directly from wishlist page.
  6. Better don’t open multiple tabs. Stay in one tab and add all to cart one by one.
  7. Now checkout, pay through your credit card.
  8. You may now stop the video. Take a snapshot of the confirmation page.
  9. You’re done!

While above is the fool-proof way, not all steps are required, but it helps just incase if anything goes wrong.

Also, for Flipkart, you don’t need video as you will anyway transact on their customised store url. So the full browser snapshot at checkout is sufficient.

For Amazon, you mostly get confirmation mail from Amazon within 24 hours mentioning ‘Your order#**** is completed through HDFC smartbuy’. You can use this mail as well in future for any disputes on bonus 9X.

Tracking Points

Despite the program being hugely successful, the only disadvantage of the HDFC 10X Rewards program or any other accelerated reward points program run by HDFC Bank is that its not easy to track them.

This issue is there for years together and the bank haven’t done anything about it.

It wouldn’t take a developer more than few hours to update their net-banking and statement to reflect the reward points against transactions but HDFC haven’t done it yet.

That maybe because they don’t want to do it. Reason being, it may increase redemptions, meaning more expenses to bank.

FYI, banks like ICICI & IndusInd reports reward points against each transaction.

So how to track HDFC 10X rewards?

Create & maintain your own Excel sheet and verify every 90 days whether the points are matching or not.

To reduce time spent on tracking, just track the high value transactions. Forget the rest and see if the numbers are more or less close. If there is a difference,

  • Call Infinia/DCB support and they should be able to tell you Reward points history for both billed & un-billed statements, transaction wise.
  • If calling doesn’t help, you may email them and ask to re-look into it.
  • If it still doesn’t help, you may ask for escalation via social media.

From my experience, they used to have lot of tracking issues in the past, but lately (since 2019) I’m not seeing any major difference in points.

Unable to get the difference in points despite following above steps? Do let us know in the comments below, other experts maybe able to help you out.

Updates & Changes

June 2020 Update

  • This program has seen countless updates since its launch but this is the major update, as the primary merchants (Amazon/Flipkart) have been moved from 10X to 5X & 3X respectively. Along with it max. caps for smartbuy too reduced for Infinia & DCB to 15K & 7.5K respectively. This marks a major devaluation of the program.

July 2020 Update

  • 10X Program extended through 31st July 2020 without any changes.

FAQ’s

1. Is 10X rewards program still worth it?

Definitely, as long as you have Infinia or Diners Black as this program now makes sense only for super-premium cards.

And you still can earn 10X Rewards on instant vouchers, so you could save something or other. But I don’t think this would stay longer either.

2. Will 10X on Flipkart & Amazon return?

Before we predict, we must know the reason why it was gone. There are two main reasons: 1. the usual change, 2. due to Covid-19 outbreak.

Out of the two, Covid-19 is the primary one (I guess), reason being, they are already flooded with orders without any promotion and why would they spend for the promo at this point in time?

So it makes no sense for Amazon/Flipkart to run the program now, so its gone (almost). And I doubt its comeback under 10X in near future, but let’s hope it happens.

3. Will we get better Max. Cap in future?

I don’t think so. But current max. caps may stay for long as they’re pretty low for super premium cards anyway.

4. Should I close my Infinia/ Diners Black now?

As long as you can spend the required amount on respective cards to get the renewal fee waiver, it makes sense to hold, as 3.3% rewards is still a very good return on regular spends.

5. I can’t redeem points for travel now, so whats the point in holding?

You have about ~2 years (3 Yrs for Diners Black & Infinia) to spend the points you earn now. By then Covid-19 fear would be over and everyone would be travelling as usual (more or less).

Though, whether you & I will be alive or not is the major concern 😀

6. What can be done to make 10X rewards better?

Following the 10X rewards program updates EVERY SINGLE MONTH in such a PAIN. Wanting the top tier card members to follow new rules every other month is never fair either.

Ideally bank has to come up with quarterly or half-yearly updates to make the entire process smooth. Further, reporting regular & accelerated points transaction wise would give peace of mind for customers and less support calls for the bank.

Bottom line

Despite the changes HDFC 10X rewards program remains attractive, but of-course definitely not as good as it used to be. While the changes might not look good for most of us, its inevitable.

We saw a glimpse of these changes by April 2019 and seeing this happen after an year means a lot of time was already given. But if you’re new to the game, I feel sorry for you. I still wonder how they managed to run the 10X program for about 4 Yrs in a row.

That is unbelievable and HDFC bank definitely made a history with its 10X program. Its not just the bank, even a lot of customers earned tons of reward points in a short time that would instead take them a decade or two if they play the regular game.

That said, let’s hope HDFC finds new partners or put Amazon/Flipkart back to 10X soon to make a history, yet one more time. Meanwhile, what’s your thoughts about the major changes to 10X rewards program? Feel free to share your thoughts in the comments below.

494 thoughts on “HDFC 10X Rewards Program – July 2020 Update

  1. Binay

    I do think that 10X will return temporarily during Diwali and festivals for Amazon/Flipkart
    Also, Siddarth are u sure Diners Partners are temporairly removed ?
    If not, I will be applying for Infinia and giving up Diners.
    Please clarify

    Reply
    1. Siddharth Post author

      I’m 90% sure of that but it may take a while for the comeback given the current situation.

      Infinia is anyway a better option in most cases.

      Reply
      1. Chintan

        I believe Diners Partners will return in some form as fee for the black card is 10k which is similar to Infinia card. But who knows like they also give those memberships with the Black Card.

        Reply
      2. Arpit

        +1 if diners partner program is not more, then it definitely makes sense to move to infinia.
        Atleast diners acceptance issue is solved!

        Reply
      3. Harshit

        Hi Siddharth,

        I have Diners Black; in fact just got it in January this year. This devaluation came as a rude shock to me in spite of many comments on this website and other forums about its inevitable demise. I am now trying to see if I should upgrade to Infinia or stick to Diners Black. If you could clarify on one thing, it would be great. Infinia has an annual charge of INR 10,000 plus 18% GST. Against that, we get 10,000 points. In case, I spend more than 8 lakhs in a year, annual charges are waived off. In such a scenario, do I get the 10,000 points. The bank’s website says points will be credited on realization of annual fee. Is that really the case or do we get points irrespective of spending 8 lakhs in the preceding year.

        Reply
        1. Tejas Ghongadi

          No, you dont get 10,000 Points if you get Annual Fee Waiver.

          Reply
    2. GCA

      Confirmed with DCB Customer Support, Partner 10X is temporarily stopped due to Covid-19. Was told it will be back after the lockdown ends.

      Reply
      1. Dhaval

        Instant voucher still shows 10x reward points, any idea how that may turn up for Amazon voucher?

        Reply
        1. Nishant Patel

          there’s a limit of buying 5k amazon and 5k flipkart vouchers.

          i’ve bought them both 🙂 and will continue to buy them every month and stock it up for eventual purchase. Its a sleek way to still get full 33% cashback benefit on infinia and diners black (i have two each in the family).

          Reply
          1. George Mathews

            Hi Nishant,

            How are you using the Flipkart vouchers. Still trying to unlock some value from them other than regular shopping of electronics, etc.. are you able to pay bills,recharge etc with them?

            Thanks!

          2. bhunesh

            hi , can you post the link where they have mentioned 5k limit …it would be helpful . unable to find out.

          3. ranpreet

            but what if they stop the 10X on vouchers from next month ?

          4. Irshad

            How to buy instant vouchers from smart buy ?

          5. Madhav Boddapu

            Are you sure? I am trying to buy Amazon voucher for the past 2 days. Looks like amazon voucher is removed

    3. Nitish Midha

      You can purchase vouchers of partners brand from Instant voucher section. So go for Infinia.

      Reply
  2. Chintan

    I use mobile app for amazon and it works fine. I do receive email as well after a successful amazon transaction through SmartBuy. I guess there are more factors connected to it when you use it through phones. Specifically for me it works.

    Reply
    1. Eshwar

      Can you please tell us the process of using amazon via smartbuy on mobile?

      Reply
      1. Chintan

        Ya. Just go to the SmartBuy home page in browser, select amazon give your cell number and last 4 digits of your card. You ll then land in Amazon application, search and place your order that’s it.

        Reply
  3. Nihar Das

    Nice article Sid ! It made a good read .
    Somehow I waited till midnight yesterday to track this on smart buy. Let’s hope 10X on Amazon and Flipkart are back , not just throw GV.

    Reply
    1. Siddharth Post author

      Glad you liked it.

      Yes, many were restless since past 3 days. 🙂

      Reply
      1. Manish jain

        want to know about any other bank’s card which reward point is similar to dinners black also gives 10x rewards ?

        Reply
  4. Sree

    Fantastic article Sid. I own a regalia and i still feel something is better than nothing. HDFC is way better than what most of its competitors offer. So i guess we can all still use the benefits till they last even if they’re slightly lesser than they used to be.

    Reply
    1. Siddharth Post author

      Glad you like the article.

      That’s true. Let’s hope they’ve better promos for Diwali.

      Reply
  5. Vaibhab

    Hi. Could you share some light on how much FD would be required to get a good card with HDFC?

    Reply
    1. Eshwar

      I called the customer care recently and they require a 12L FD for now.

      Reply
      1. MrNightStar

        12L FD for DCB?!
        Last i checked they wanted 625k fd for which they would give 80% limit which is bare minimum 500k for DCB.

        Reply
      2. AJ

        It is 11L, but you will need to push them for it. Normally they will ask for 12L only.

        Reply
  6. Mouli

    Sid,

    I think for a year you are predicting this .
    HDFC introduced the new version of DCB and most are paid variant now and most of us chosen this card mainly for the 10x ,though the acceptance is less.

    Now HDFC has to add more in Diners Partners category else its tough for HDFC moving ahead
    Though its a heartbreaking still I earned good number of points and owe it to this forum to inform me about this program
    Hope something will return.

    When all good things has to come to an end ,this is the best in the credit card industry and it has to end at some point so not complaining much

    Reply
    1. Siddharth Post author

      I’m sure they would do something or other, if not they wouldn’t have run this program for this long. But the Covid-19 situation might delay them, as partners too wont be interested in burning cash now.

      Reply
  7. Aman Gupta

    What are the other recommended ways to redeem these rewards apart from travel? Not sure when the travel will return 😐

    Reply
  8. Mayank

    @Prashant. Can You share the link for the Savings account offer that have DCB LTF?

    Reply
    1. Prashant Gupta

      Hi
      U can talk to RM. *** PFB the content of mail

      Dear Sir/Madam,

      Greetings of the day !!

      Hope you are keeping safe and healthy.
      HDFC Bank has come out with an exclusive offer for you, If you choose to open a savings account with us, your existing charged card will be converted into a “lifetime free card” and you also get to earn additional reward points:

      Diners Black- 5000 Rewards point
      Regalia- 3500 Reward points

      Reply
    2. Prashant Gupta

      @Mayank.
      U need to talk to the RM and tell them about the offer. Its only for thise Who have Regalia and DCB. I submitted my documents today and selected an a/c no. 😀 a nice one. Lets see if i get my infinia ltf as verbally promised.

      Reply
      1. GTMAX

        Hi Prashant,

        Are you referring to some currently running offer? And if there is any offer source to share with the RM as they won’t be aware about it.

        Reply
      2. Siva

        Hi Prashant and mayank… . Can you tell us about this offer in detail.. I think I missed your earlier statements… Or I can’t find it in the current comments section.

        Reply
      3. Parida

        @Prashant, can you pls give some details abt the offer (if not the link)? I’ll talk to my RM.

        Reply
      4. Umesh

        Prashant – Did you get the LTF free card ? I spoke to my RM and says there is no such offers going on.. He is saying if we can provide any reference who got such offer, he can try once again..

        Reply
        1. Prashant Gupta

          There is. I am getting regular email. Account is opened, they say it will take 45 days for status change of card. Will update then.
          The offer on regalia and dcb is 5000 points and ltf.

          Reply
  9. Naval Kala

    I am holding an Infinia card. It is understandable that the earlier offer was extreme and was sustained much longer than expected. Now no more amazing as it used to be for sure. However, the thing which has disappointed me the most is the devaluation of the cash value of the points.

    It is not wrong, however, either we should have been given a certain time frame to use/redeem the accumulated points before rolling it out or it should have been effective for new points generation. I used the card excitedly in the last year in hopes of using /redeeming the value this year. But to my shock, they have devalued the points. Frankly, HDFC has disappointed me for the manner they have handled the transition.

    Reply
    1. Siddharth Post author

      Yes, HDFC doesn’t have the habit of informing these important changes via email despite them being best at emailers.

      This is because if they shoot an email, a LOT of them who are unaware of it will start redeeming. Not good for them.

      Anyway, do call them and inform that you’re disappointed about this. It might help for future updates.

      Reply
      1. Vinit Lenka

        What was the devaluation? I might have missed that. Can you please clarify.

        For DCB, is 1 point not equal to 1 rupee anymore for travel(hotel/flight) redemption?

        Reply
        1. JD

          it is .. they are talkin about converting your points to cash

          Reply
  10. Ashin

    I’m just happy that the change is only for SmartBuy 10x offer and not to the reward point ratio of 1:1 for my Infinia. I’ve more than 150K reward point and it’d hurt if they decide to reduce it before covid-19 travel restrictions are lifted.

    Reply
    1. Siddharth Post author

      They wont touch Infinia that soon on conversion ratio, so less to worry.

      Reply
    2. Rohit

      @Ashin
      That would not happen because it is case of fraud and I have already escalated about that few years before.
      I have seen many complaining with DCB not being value now after changes. I would like to say that few years back there was no 10x for amazon and flipkart and instant voucher was introduced recently. Which means you make max out of 10x only for international flights .Now with instant voucher worst case 2k to 3k is easily earned in a month for groceries .So even if you pay 12k easily 30k + points equivalent can be earned. Also people who are buying in flipkart can covert it into EMI to earn every month 7500. Still a great card and dont cancel it .

      Reply
      1. Nihal

        Bro how to use instant voucher? I bought it from smart buy and used it in amazon. But didnt get 10X reward points.

        Reply
  11. Satish Sundar

    I think one difference for people who can meet the minimum spend criteria for Diners is the welcome rewards you get every year, not really sure if that is matched in Infinia. If that is also removed, then Diners black becomes worthless.

    Reply
  12. Jimeet Gala

    A very good and detailed article Sid. Btw, can u share a excel (to track 10x points) template or a screenshot of how u have made that, wud be easy and useful to make one. Thanks in advance. 🙂

    Reply
    1. Siddharth Post author

      I personally don’t track them on sheet lately as I’ve reduced 10X spends a lot since 2018.

      But yes, will work on the sheet shortly. Thanks for asking.

      Reply
      1. PANKAJ

        Nice article Sid. Very well presented.
        I would also request to share the excel sheet and that will be very useful for us.. Thanks !

        Reply
      2. Abhishek Lakhotia

        Hey Siddharth, any other bank card which you would suggest to compensate for the loss or having erstwhile benefits of HDFC DCB or Infinia.

        Reply
      3. Zaheer Thaha

        Hey Siddharth, that be much helpful for a lot of us.

        Had maxed out the infinia 10x on the last day of May and had in past would have done at least every alternative month, but never could track the points credit properly and was going on with good faith.

        One such sheet or a tracking mechanism would be appreciated as HDFC is not providing much clarity and now there are delays than the usual.

        Between superb article, kudos !!!

        Reply
    2. Ashwin Kumar

      Great article Siddharth..I am having a Diners club black card…Please let me know how to instant voucher thing works..Let’s say If I take a Flipkart voucher of 5000 rs can it be used to buy anything on Flipkart platform or are there any exclusions.?

      Reply
      1. PANKAJ

        You can buy anything on flipkart but you wont be able to do do a utility bill payments/flight booking etc. However oif you buy Amazon voucher you can do anything you want to..

        Reply
        1. Madhav

          Looks like Amazon voucher options is removed
          Has anyone generated Amazon voucher in June?

          Reply
  13. Angmar

    I have q clubmiles card, and was planning on having it upgraded to DCB. Would that still make sense or is it better to go for Infinia?

    Separately, in case the upgrade does not go ahead, is there an alternative which gives roughly the same value as DCB or even ClubMiles, which is now just a cashback card?
    Thanks..

    Reply
  14. Manveet

    As always an engaging article Sidhharth.
    But really disappointing news. It seems they have also devalued redemption of reward points especially for vouchers such as Amazon such are now giving a meagre 15paise value for every 1 point. It seems Hdfc infinia now no more the king of credit cards except if use is for travelling. If redeemed for cash, reward points value offering seems to be only 0.9% for every Re 1 spent.
    Would request Siddharth to please come up with a updated list of card offering latest comparison for reward offerings.

    Reply
    1. Siddharth Post author

      Cash was never a primary option of redemption for Infinia Cardholders. It only complicates your life with taxes.

      Reply
    2. DHARNIDHAR GUNDU

      What devaluation are you referring to Manveet i still see amazon 1000rs voucher available for 2000 points like earlier. I have diners black card

      Reply
      1. A.A

        It has changed now to INR 0.15 per 1 point. Doesnt make any sense though since cash redemption is INR 0.3 per 1 point.

        Still, a huge disappointment since amazon was giving redemption of INR 0.5 per 1 point earlier.

        Reply
        1. nikhil

          Redemption to amazon vouchers is still at 0.5 per 1 point. I can buy 1000 amazon voucher for 2000 points. I have DCB card, if it shows something else for you then contact cc.

          Reply
      2. Shashank

        I have Regalia Credit card with limit of 3 lakhs and holding it from April. How can i get my card upgraded to Diners Black .

        Reply
    3. Rama Gurubaran

      You can buy Amazon voucher at 50p per point on Diners smartbuy site.

      Reply
  15. Dr Pankaj Gupta

    Does cashback offer for Regalia also applicable for Business Regalia ? I was given Business Regalia as I was self employed professional.

    Reply
  16. Ankur

    Hi Sid,

    Great Analysis.

    But I have one thought, previously many people got points and they did not redeemed it so hdfc would not have incurred direct hit but now they will be giving out cashback, so this will be direct expense and people will be able to calculate easily too based on transaction value as it will have to be shown in statement.

    Did hdfc went for simplified devaluation to soften the blow ?

    Reply
  17. Karan Singh

    Sid,
    I never see you mention the hotel benefits [unless i missed it] one gets with DCB, like offers from Manadarian Oriental group and Signature hotel group , through which i have many a times booked at Shangrila in YVR and HKG and got upgraded and got 100 usd hotel credit,
    I have even found their rates a tad better than on Amex Plat charge card
    I dont think Infinia offers anything similar, except for the Visa Infinite program (which is there on any other Visa Infinite card as well]

    Nice article, and totally agree wrt the Transparency of crediting points

    Reply
    1. Siddharth Post author

      I’ve never used those benefits. Will explore.
      Most of us here just stay on points 🙂

      Reply
    2. A.A

      Can you explain this – what are these offers and how do you get them?

      Reply
    3. Akshat

      Hi Karan
      CC and concierge are mute on this.

      Can you guide towards these benefits(any link or webpage)
      Thanks

      Reply
      1. Karan Singh

        Hi,
        Had posted the signature hotel benefits with a link , but for some reason it has not got posted ,
        I had mentioned that it made sense just Amex FHR for high end properties
        Regards

        Reply
  18. Dhruv Soni

    Hi all,

    Even if Amazon is now having 5x rewards i/o 10x previously, we can still buy vouchers upt0 5k each month which would fetch us 10x, right?

    Reply
      1. Ashish

        we can buy vouchers by login in from different phone numbers into Gyftr Account
        The restriction of 5000 is on each Gyftr account but not on a card

        Is that right?

        Reply
        1. Abhishek

          Terms and conditions mentions sign up for instant voucher with different credentials and should not be same as smartbuy. What does that mean .

          Reply
        2. Kamal

          I tried that thing but received the points (remaining 9x) for only 1. So, don’t try it.

          Reply
      2. Avinash

        HI Siddharth,

        Thanks for the article. I was searching for the 10x offer yesterday but couldnt find it. This article cleared my doubts. As you said HDFC should have sent a mail to inform changes.

        I have a follow up question to Dhruv.

        I never used the instant vouchers option in smart buy. Correct my below statements if wrong

        1. Instant vouchers purchased on smartbuy will give 10x reward points.
        2. We can use this vouchers in Amazon/Flipkart and it would be similar to getting 10x reward points
        3. If 1,2 are true then purchasing vouchers and using on Amazon/Flipkart is better than direct purchase.

        Reply
        1. Manzil Bora

          You are correct. But only 5K each in a block of 30/31 days. So once bought, you can’t buy for next 30 days. (it is not calendar month).

          Reply
        2. Dhruv Soni

          Hi Avinash,

          All above mentioned points are correct, short and crisp, buying from Amazon from vouchers is now more lucrative than direct purchases.

          Reply
      3. Vinit Lenka

        Is it combined cap of Rs 5000/month across brands or Rs 5000 per brand/category? I can see the terms of Rs 5000/month for Flipkart and Amazon Gift Voucher(GV) page but there is no such rule/terms for Big Bazaar, More etc.

        So if I buy 5000 Amazon and 5000 Flipkart GVs in a month, will I get 10x reward on both? Has anyone tried it?

        Reply
    1. Rohit

      @Dhruv Soni
      You can keep accumulating same with flipkart, But amazon 5k goes of for electricity /water bill. very difficult to save.
      It would be great if Paytm gift cards are out 🙂 since most states are not available in amazon.

      Reply
  19. Pranab

    Great article Sid.
    One suggestion: We need not the tracking part. You’ve already mentioned about Flipkart, like to add one more point in that. If go through smartbuy, the payment option is only HDFC cards and Payzapp. So, no tracking issues.

    For Amazon, within 24 hours we’re getting a confirmation mail from Amazon mentioning ‘Your order#**** is completed through HDFC smartbuy’. We can use this mail in future for any disputes on bonus 9X.

    Also like to thank you as only after getting information from you, I opted for Infinia last August. I was having it pre-approved (FYF) for the last 4 months prior to it but sceptical to go for it as they were treating my nobroker transactions as Paytm wallet load and not crediting any points. I was fed-up contacting and explaining them every month.

    Reply
    1. Siddharth Post author

      Thanks for the inputs. Have added them to article.

      Yes, HDFC wasn’t giving points on any Paytm Gateway txn, have seen once during in-store Paytm txn too which purchasing a mobile.

      Reply
      1. Ankur

        Funny, I was getting 3.3% RP on paytm wallet loads for several months on my DCB. But on my latest statement, I didnt.

        Reply
        1. Siddharth Post author

          They give you & then they revoke. Are you sure its not revoked?

          Reply
          1. Murad

            I am receiving reward points for electrical bill payment and gas cylinder bookings on PayTm and never revoked. The final payments are completed by Infinia Credit Card. #

          2. Ankur

            Yes, it wasn’t revoked for last 3-4 months. They revoked only on the spend on the latest statement. Now, to move back all my wallet reloads to Amex.
            [The benefits of maintaining a detailed excel sheet for HDFC RP]

            They have glitches, once a while. For example, all my redgiraffe rent payments made by Payzapp are marked by them as insurance for some reason. (helped me get 2000 bonus RP per month on their insurance 5X offer from Nov-Mar for no reason.. haha)

          3. GTMAX

            Ankur,

            That Redgiraffe 5X is not a glitch. Redgiraffe would have got themselves listed as Insurance category merchant as they started offering Insurance products/services from Oct/Nov. And people already paying rent through Redgiraffe got this additional benefit of 2000 points every month.

        2. Akshat

          Hi Ankur

          How do you get transaction wise point summary.

          In my experience cc guys are lazy around it. I have to spell each transaction to know about the points accrued, they dont really communicate transaction wise points in one go making the process a tad dragging.

          Reply
          1. Ankur

            Before starting, I tell them clearly what I want and how I want it.. Example, first – billed items for that statement date wise, with amount and RP; then bonus points, date of posting it, etc. You get my point.

            Once in a while you might get some CC person who is really bad at telling things clearly. I usually realize it in the first few minutes. I just tell them to forget it, and give a call back. Most probably I will be connected to someone better.

    2. Sudheer

      Pranab, if you complain about No broker transaction of not getting points, are you getting points?

      Reply
    3. Ankit

      Is anyone getting mail confirmation for amazon saying ‘Your order#**** is completed through HDFC smartbuy’? Did 2 transaction recently didnt get any mail

      Reply
      1. Kiran

        It depends, some products I get confirmation with in 24 hours and few after 2-3 days.

        But I’m getting confirmation on all smart buy transactions.

        Cheers,
        Kiran

        Reply
      2. Rama Gurubaran

        I haven’t received that email even once for Amazon. I used to receive sms for Flipkart transactions and not that also stopped.

        Reply
    4. Sachin

      I have never got a confirmation mail from Amazon for smartbuy transactions. But points get credited in 90-120 days. I login to smartbuy, navigate to amazon from smartbuy, lands on smartbuy page, search for the item, add to cart and then place order with hdfc card. Any idea what I am missing here.

      Reply
    5. Murad

      Even with Flipkart, I recommend to make video while doing transaction through SmartBuy. I had the final confirmation page screenshot of my one transaction for iPhone 11 Pro worth 100K and HDFC said its not went through SmartBuy. This was purchased in Nov2019. Currently the issue is escalated with both (Flipkart and HDFC) Senior Managements and ongoining.

      Reply
      1. Murad

        Finally after 6 months of escalation with both Flipkart and HDFC Senior Managements today, I received the pending 34600 reward points for my Nov2019 EMI transaction on Flipkart. Since I opted for EMI, iPhone 11 Pro cost me for around INR73800. Actual cost was INR113900.

        Reply
  20. Harshit

    Do you know any alternate credit card which can now compete with Infinia/Diners black.
    Since the valuation is reduced, there must be other bank credit cards which provide 10x reward point system just like HDFC. I am only aware that yesBank has something called as yesCart which works on similar concept.

    Reply
  21. Milan

    I was planning to upgrade from HDFC jet privilege platinum to Regalia first? Is the upgrade still worth it?

    Hdfc Jet privilege used to provide me 8 lounge access every year and in 2020 they silently made it Domestic only lounge

    Reply
  22. Saurabh

    Thanks for sharing this info.

    I wanted some clarification on the 5x reward point on amazon.
    This means Diners black customers will receive 25 points for every 150 Rs spent via Smart Buy portal on Amazon right?

    Reply
    1. Ramesh Kumar

      Yes, but 1x you’ll receive within 2-3 days from date of transaction and remaining 4x within 90 days.

      Reply
    2. Harshit Jaiswal

      Correct, 5 points (1x) in a day and 20 points after 90 days

      Reply
    3. CHALAM

      Correct.
      But try to grab Insta vouchers, You will get 50.

      Reply
  23. Rohit

    You have mentioned points validity is 2 years. For infinia/DCB is it not 3 years ?
    Also regalia users who are upset I guess previously it was max of 5000 points/month and now it is Rs 2000 which is 4000 points equivalent so You guys have not lost much when it comes to limit.

    Reply
    1. Rohit

      @Sohail
      As per bank infinia is only through invitation and if you apply they would ask ITR of 60 lakh plus. I am not sure after devalue of DCB they are offering infinia . Might be you can let us know after you enquire with bank,

      Reply
  24. Vinith

    Hi,
    Why don’t we all put out a mail to our relationship manager about being upset regarding the changes done towards DCB and Infinia.

    Sid, why don’t you draft out a mail and we all could proactively mail the same. It has worked earlier. Should work this time also.

    Reply
  25. Vishvesh Kumar

    Good article sidharth, The smartbuy mob app works fine for amazon and flipkart. Your suggestions is well taken to maintain excel sheet for transactions.
    Furter i would highlight that in last 2-3 month , the HDFC has distrubuted diners balck card like anything. Every one from HDFC was like giving diners black to everyone . I was
    In doubt that how they are distributing 33% value back . Now the things are clear to me.

    Reply
  26. deva

    Thanks sid for t article..finally rumour became tomour as said by someone …
    And what would happen to the flipkart samrtbuy emi transaction which was donr on may month ?..will it get earlier 10x or 3x..and will max cap on reward points for infinia change based on the previous 10x flipkart emi transaction..

    Reply
  27. SAS

    Hi Sid, thanks for sharing. one more good thing is, Now Pay with Payzapp at Merchant websites (not sure about payzapp app payments) also earns 10X rewards with Diners/Infinia added already on Payzapp account. I think other cards also earn rewards as mentioned on the TnC.

    Reply
      1. Rohit

        @Nipun Jain
        No where it is mentioned (checked with payzaap). Just a fake info SAS has got it.

        Reply
    1. GTMAX

      Where is this mentioned? 10X for merchant payments with Payzapp?

      Reply
      1. Akshat

        Terms and Conditions: “Offer Applicable on Pay with PayZapp option too. The offer as per the linked card used for completing the transaction would be applicable.”

        Not sure if this applies to payzapp wallet payments too.

        Reply
    2. ATS

      Pay with Payzapp was giving only 1x rewards for all HDFC cards. Do you have any offer email/URL for 10x on the same? Please share. Thanks.

      Reply
  28. Rahul Verma

    Hey Sid,
    Since the instant vouchers still have 10X points, I can go ahead and buy Flipkart voucher and then use that. This way I will still be getting 10X points. Is this understanding correct?

    Reply
  29. Mr

    Do we still get Amazon/flipkart 10x points even if we pay partially using vouchers?

    Can someone confirm?

    Reply
    1. Ravindra Saini

      Yes. I have tried this and I got 10X reward points 2-3 months back. The only caveat is that we cannot have HDFC card discount (if any) on the product that we are purchasing if we make partial payment using vouchers and rest using the card. This is the difference between having 10X through vouchers vs directly through Smartbuy- previously double dip (HDFC card discount + 10X) was possible and not it is not.

      Reply
      1. Akshat

        Are you sure about this?

        Tnc clearly say for full payment across all categories.

        The way i see it if you use amazon pay balance or any promotion on amazon or any other site then that takes precedence and the 10x rule does not apply, resultant you get only 1x points for these transactions even though you land through smartbuy.

        can others clarify please.

        Reply
        1. Nikhil

          You get 10X on the amount paid by card even if it is partial paid. It’s clearly mentioned in T&C of smartbuy 10X. Please read it.

          Reply
          1. Akshat

            @nikhil: “transaction eligibility: Applicable for Full payment across all categories (on flights / Hotels / Bus / Rail/ Instant Vouchers / Flipkart store/ Amazon store / compare and shop section / Exprience booking and DTH recharge in SmartBuy)”

            Are you sure you aren’t referring to an outdated condition.

            Smartbuy page doesn’t have anything on partial payments

          2. Nikhil

            Yes, this seems to be new update fro June, In past I have got 10X by paying partially. They have update their t&c. This changes things for those who are buying amazon/flipkart vouchers.

        2. Ravindra Saini

          Agree to your points. Not sure if ‘full payment’ condition was there before June update. I purchased an item in February’2020 worth Rs. 8499 and paid Rs. 5000 using gift card and rest Rs. 3499 using DCB. I maintain an excel sheet and my calculation showed 115 RP (1X) got credited after T+2 days and 1035 RP (9X) got credited after T+3 days. It would be great is someone else has tried it too and confirm. However, it makes sense to try again after June’s big update.

          Reply
  30. Arvind

    Hi Sid I have a DC for more than 9 months now how do I apply for infinia and will the RP be carried over to infinia (as generally HDFC does not permit 2 super premium cards)

    Reply
    1. Rohit

      @arvind
      If you ask for Infinia you should show 60 + lakh ITR. Inspite of me having invitation for Infinia they didnt give the card since they were desperate to see my ITR of 60 plus. Also they made it clear for LTF card ,it varies from customer to customer. Bank has no concrete rules at all. Might be you can try and let us know about your upgrade.

      Reply
  31. Abhishek

    Hey Sid

    Well summarized. Frankly I feel so gutted with this change.

    What are you thought in devaluation on existing points for the present 1:1 to a lower Re equivalent.

    I feel so unsecured about it because have accrued about 1.5 million points as on date.

    Reply
  32. Sourav

    Hi Siddharth,
    Thanks for the detailed article. I think all good things come to an end oneday. I have been earning lot of points since 2017 and still many left in my card now as there are no travel plans.
    One thing I wanted to check if there has been a devaluation of the reward ratio for cash also in DCB. It was 50p earlier.
    And this sms you mentioned, I have never received it. Most of the month I notice lots of points in the statement and never tried to check against transactions. Earlier there was a sms that 9x reward point will be credited after 3 months. But this has also stopped now. Do I need to call them to enable the sms you have mentioned ?

    Reply
    1. Akshat

      yes its 30p now.

      no sms, if you order through amazon via smartbuy you get a mail from amazon confirming it was a smartbuy purchase. It usually is sent 24hours post order completion.

      Reply
  33. Chintan

    I guess with reduced max cap HDFC has more control on spend then ever, just imagine after a few months if they declare that for just one month the cap will be 25000 each then every customer will opt for getting it while till it was regular people use to just take it for granted.

    Reply
  34. Saransh

    So does that mean diners club miles is completely worthless now? No 10x even upto 2k points?

    Reply
    1. Saurabh

      Yes…sort of. Even Regalia suffered huge setback and is completely worthless now. An entry level card like SBI SimplyClick now has better reward rate than these so called premium cards (upto 2 Lakhs spend).
      Only DCB and Infinia are the true premium cards from HDFC in true sense now. Or maybe we need to downgrade our definition of premium now.

      Reply
      1. Rohit

        Regalia was useless when the cap was 5000 max points. I enjoyed the benefit of regalia when there was no cap at all and also I used to use priority pass every year for international travels.I cancelled regalia when the points were maxed at 5000. And now this card is only good if you use priority pass.

        Reply
  35. CHALAM

    Dcb is a fantastic card. Despite of my tours and vacation once in 3 or 4 months, now i’m holding more than 1.9 Lakh points. For the past >2 years all my flight and Hotel bookings are free.
    You need not worry about points credit. some times some delay, but you will get definitely. Just go through the procedure said to buy. I got more points than my approximate calculation. Several times Hdfc runs promotions , sometimes which they wont even come to our notice / simply you forget.
    The combination of Hdfc and Amazon is terrific. First priority is always insta vouchers.
    You will also get 10 X ( now 5x ) for purchasing Amazon pay physical gift cards. Confirmed from my side.
    This balance can be used for anything. mobile / DTH recharges etc.
    And for petrol I always ( most of times ) use HPCL gift card available at amazon ( which can be used in limited Hpcl bunks with special swipe machine ) , which you can purchase through smartbuy or directly with pay balance. So 33% savings on fuel…..

    Reply
    1. Ramesh V L

      Hello CHALAM,

      …. tours and vacation once in 3 or 4 months, now i’m holding more than 1.9 Lakh points. For the past >2 years all my flight and Hotel bookings are free. THIS IS AWESOME!
      Sitting on 1.9 lakh points even after free trips for >2 years !!!

      We really need more tips from you to get such points especially with the current scenario where earning points is lot more difficult.

      Reply
      1. CHALAM

        It just depends on your spending , Mine around 50 to 60K per month.
        Current scenario difficult to get in those huge numbers.

        Reply
    2. Rohit

      @CHALAM
      Amazon pay instant voucher remains 10x not 5x. Only if you buy products from amazon it would be 5x. Rather buy vouchers for 10x ,accumulate then purchase . Can you throw some more info on HPCL gift card(Drive track plus card) . I checked at amazon and minimum denomination is 2500 + 100 delivery charges from seller Woohoo ? How can we check balance in the prepaid card once debited from card ? Also HPCL gift card is not available in smartbuy .

      Reply
      1. CHALAM

        Yeah its a prepaid card , I always purchase with highest denomination available. ( Just ignore that 100 /- shipping charges in comparison with rewards ). 10000 Denomination con be used for 4 months in my case.
        as i mentioned it can be used in some bigger bunks with their proprietary swipe machine. The remaining balance visible on the slip generated after every use.
        Its available in Amazon. can buy through … Smart buy > Amazon etc. The usual procedure like when you buy an article.
        Disclamer:: Totally my personal user experience. Neither promoting nor working with them.

        Reply
        1. Malav rana

          I didn’t find any this of voucher in Amazon.
          Can you help to find out this HPCL voucher.

          Reply
        2. Rohit

          @CHALAM
          Thanks for the info . I checked with HPCL near my home and they indeed said it works. My question now is how do we activate it,set pin ? HPCL office said that with phone number payment can be made. How are we going to assign phone number to a gift card received from amazon. I did not get that part. I never knew smartbuy->amazon->gift card used to fetch 10x.Do we also get 5x for smartbuy->amazon-> mobile recharge ? I used to use amazon pay balance for bill payments. By the way no one promotes here and all end users and are here to fetch the best of their cards 🙂 so no one will mistake you.

          Reply
          1. CHALAM

            The card comes with default PIN of ” 0000 ” ( four zeros ). On your first swipe you have to change it to the desired one. No phone number is assigned or I dont know that part. You need to select “CARD SALE ” option on swipe machine.
            In my view any item couriered will fetch the rewards. In that way the physical Gift cards too.
            I always use mobile or utility payment with Pay Balance which i accrued through Insta voucher / Gift card.

      2. CHALAM

        Insta vouchers are 10X.
        But there is amazon physical gift cards , which can be purchased like any other item, which will be couriered. this will give now 5x ( previously 10x )

        Reply
        1. Harshit

          Hey Chalam,

          Great advise.I did take pepperfry gift card sometime back and did receive the reward points.
          We can also purchase Insta voucher of flipkart from smartbuy. Do you know a hack in flipkart through which we can redeem it for our daily use. Amazon gift cards can be used in mobile, bill payment so it always get consumed but flipkart card are hard to use. As of now , I am using it for supermarket purchase as bigbasket voucher have been removed from instaVoucher list.
          Do you have done any hack for the flipkart gift card then please let me know.

          Reply
        2. Ashish

          Just wanted to confirm. If you buy any physical gift card from amazon by going to the site via smartbuy you still get 5x points in the spends ( thought you don’t get points on gift cards?)

          Reply
    3. George Mathews

      Thanks, Siddharth for shedding light on the new changes in 10x rewards. Looks like the end of the golden age of Indian credit cards. Thanks for all the guidance that helped us make the most of the 10x rewards.

      Is there any way to move the money in Flipkart vouchers purchased on the isnta vouchers site to phone pe balance?

      While Amazon Pay is basically enabling that, FLipkart voucher to Phone pe would make it cash equivalent given that Phone pe is also accepted in lots of places.

      Anyone who has done this ps let us know. Free beer from my end 🙂

      Thanks!
      George Mathews

      Reply
      1. Murad

        @George Mathews,

        Can you guide the way on moving money from Amazon pay to Phone Pe?

        Reply
    4. Dhruv Soni

      Hi Chalam,

      The HPCL card thing sounds fabulous, fantastic find, thanks for that.

      Do you see any list of pumps which accept this? Or shall we just go by hit and trial around us?

      Reply
  36. Ramesh V L

    Hi Experts,

    I can still see the offer in HDFC diners web site as below with validity of 1-30 June, only change is in max. cap.
    Am I missing anything?

    **********************
    Enjoy Up to 10X Reward Points & more on SmartBuy

    (Offer Valid from 1st June to 30th June 2020)

    Now enjoy up to 10X Reward Points on HDFC Bank Diners Club Black Credit Cards.on purchases via SmartBuy while you Compare and Shop, Compare and Fly and with brands like Flipkart, Amazon, RedBus, Cleartrip & Yatra, etc.
    Maximum cap on the incremental 9X Rewards is 7500 in a calendar month.
    Get up to 5% CashBack on Diners Club® Privilege, Diners Club Rewardz, Diners Premium Credit Cards, Diners ClubMiles on purchases made via SmartBuy.
    Maximum cap on the CashBack is 2000 in a calendar month.

    Reply
    1. Sudheep

      enjoy “UP TO ” is the key word there…

      but they also say incremental points 9X capped at 7500..
      which means diners have unlimited 4x and 2x ??????
      Wish if its not a TYPO

      Reply
    2. GTMAX

      You are not missing anything. You just need to correctly interpret what you are reading.

      Reply
    3. Sumit

      Keyword here is upto, so which covers 3,5 and 10 all categories

      Reply
    4. Harshit

      If you go on smartbuy website and click on flipkart or amazon.
      In the header they have clearly mentioned 3x/5x reward points respectively. Therefore, what is said in this article is absolutely correct and you will only receive 3x/5x points from June onwards.

      Reply
  37. Krishna

    Hi Sid, Last month i did one transaction in Flipkart (6 months emi) through smartbuy. For this next successive months charges, will i get 10x or 3x?

    Reply
    1. Roshan

      Just enquired with customer care, Flipkart ongoing EMI transactions will receive only 3x on remaining EMIs

      Reply
  38. SANDEEP GADGIL

    Hi Siddarth, is there any limit to the vouchers that can be purchased? Or can I earn all 7500 points in a month through vouchers only? I understand Amazon has a limit of Rs. 5000

    Reply
  39. Bhavya

    Any updates on February points ? Have not received the 9x points for insta vouchers yet.

    Reply
    1. Murad

      Same here. I was informed that the 9X will be posted within 7 days.

      Reply
  40. ajay

    Hi Sid, Why do you mention this “You have about ~2 years to spend the points you earn now.” Aren’t the points valid till 3 years from the date of earning? Or have they changed this as well?

    Reply
  41. Shiv Kumar Singh

    Nothing to worry as both my Infinia and DCB are LTF, and also my primary spends are on non 10X Category and mostly on Insurance.

    Just indicates how low are bank running on liquidity due to CoVID-19.

    Reply
  42. ManzB

    You are correct. But only 5K each in a block of 30/31 days. So once bought, you can’t buy for next 30 days. (it is not calendar month).

    Reply
    1. Dnyanesh

      I bought on 5K vouchers on 20-May and 01-June, so it is calendar month, I believe ..

      Reply
      1. Aastha Chawla

        Calendar month. Clearly mentioned on gyftr website.

        Reply
  43. Rohit

    I would be reaching my 5 lakh spend in a month time for DCB and would still have 2 months odd for reaching annual year. Would it be worth for me to get an Infinia at this point of time ? or continue DCB for another year without annual fee . I cannot reach 8 lakh spend on Infinia but I would atleast get 10000 RP for infinia fee.

    Reply
  44. FrequentFlyer15

    Hi Guys,

    Just providing an update. I bought Amazon and Flipkart Gift cards using different numbers worth 20k on Gyftr on 30th May using my Club Miles Card. Today, I received 5k points in my account.

    Reply
    1. Ankur

      Are you sure it was for May? Usually they take ~90 days to credit points isnt it

      Reply
      1. FrequentFlyer15

        I am 100% Sure. Since Jan, I was using only my Amex Plat Travel to hit the 4 Lac spends. So there is no way, they added points for anything else.

        Reply
    2. Arshdeep Singh

      so if we buy more than 5K amazon vouchers using different login on smartbuy with same cad, it will be applicable for 10X reward points. is it correct..?
      thanks

      Reply
      1. Garima

        Even i want to know. Is it possible to buy using different phn nos through same card?

        Reply
      2. FrequentFlyer15

        Yes. I have multiple smartbuy accounts with family members phone numbers which I used for buying Amazon and Flipkart Vouchers.

        Reply
    3. Rajeev K R

      Hi, I have Regalia and Regalia First with me. Both are having different smartbuy accounts. Can I use my Regalia card in both the accounts for purchasing 5k amazon vouichers each and get a cashback for 10k ?

      Reply
      1. FrequentFlyer15

        Yes. Have been doing that for months now until Jan when I switched for completing Amex spend bonus.

        Reply
    4. ghanshyam

      Hi,
      I tried with my wife smartbuy account, but when I am trying to use my credit card, transaction is always failing. How did you manage to use same card in different smart buy (and insta voucher) accounts? Did you use same name in another smartbuy account?

      Reply
      1. Ashu

        Till last month it was allowing to buy more than 5k amazon vouchers from different account using same card. Looks like now they have introduced some restriction. I bought 5k Amazon vouchers today and then unable to buy amazon vouchers of 5k from other account. Transaction is failing when card details entered on payment page.

        Reply
        1. Murad

          @Ashu
          You will need to have different (phone number) account on gyftr not smartbuy to get the benefits to purchase above 5K amazon vouchers. You can purchase every alternative days to get these benefits. if you try to purchase second amazon voucher on same/next day, then you will see error message instead of payment page or error message stating 5K limit exceeded.

          Currently I have purchased 6 amazon voucher from 01Jun till 10Jun and I have 1 more to buy to get full benefits of 9X to get 15K.

          Reply
      2. Sudheep

        forget smartbuy account..

        Gyftr Account should be different., has to be routed via smartbuy page ,smartbuy login not mandatory. (Use different mobile numbers for gyftr login)

        Reply
      3. ghanshyam

        Update: Tried it again today, and it went thru successfully. May have to do it with per day limit? Now, lets see If I get the incremental reward points 🙂

        Reply
      4. Murad

        @ghanshyam
        You will need to have different (phone number) account on gyftr not smartbuy to get the benefits to purchase above 5K amazon vouchers. You can purchase every alternative days to get these benefits. if you try to purchase second amazon voucher on same/next day, then you will see error message instead of payment page or error message stating 5K limit exceeded.

        Currently I have purchased 6 amazon voucher from 01Jun till 10Jun and I have 1 more to buy to get full benefits of 9X to get 15K.

        Reply
        1. VC

          hi Murad,

          Ive been doing the same since March of this year, but dont seem to be getting the incremental points. Is it confirmed that incremental points are given by using other numbers ?

          Reply
  45. Amann

    HDFC has run out of Amazon Insta Vouchers of smartbuy even after limiting purchase to 5k per month. Guess this was bound to happen after it withdrew 10x on Amazon website via Smartbuy. Please post whenever they are available.

    Reply
  46. bhunesh

    well yes amazon is definitely issue .. i have bought through smart buy in November and till dated not posted . have escalated the matter , don’t know how they would be able to solve it. now anyways 10x is gonna for flipkart and amazon… (/3x and 5x) so becomes less attractive . even their global programmer have enrolled but its difficult to track about bonus point and yatra voucher

    Reply
    1. Rohit

      @bhunesh
      I purchased a phone from amazon in dec month and exactly after 3 months i got 9x points. Make sure you send mail after 3 months. I did the same mistake for not receiving 5x bonus points for insurance. Now everything is messed up . Not sure for what they have given points .

      Reply
    2. FrequentFlyer15

      Always add the following email address to all emails, grievance.redressalcc [at] hdfcbank.com, they respond within a few days. I got my missed out points within a week of sending the email.

      Reply
  47. Akshat

    HDFC customer care informed me that they’re working on a transaction wise points view system that should be underway shortly.

    Unclear whether it’ll be portal like SCB or statement like ICICI

    Reply
  48. phil

    It is getting difficult to track amazon transactions as for many transactions, an email saying “order placed through smartbuy” is not being received. If I call Amazon, they say that they have no info and please ask the bank. When called the bank, they say that amazon has to track. And hence in the balance.

    Reply
    1. Gaurav

      Actually, I had sent an email to Amazon ([email protected]) and they gladly sorted the problem. They reverted with mentioning if order IDs I had sent were done through Smartbuy.

      Reply
  49. Dhruv Soni

    Hi all,

    What do you think is the best way to use your points right now on DCB?

    Previously ofcourse best redemption was on flights where you get straight 1:1 conversion. What’s the best way to use points now? Can we use them on any ecommerce or something?

    Reply
    1. Rohit

      There is no other way . Flight and hotels are the best way to get the most of the points.

      Reply
    2. Amann

      If you accept 50% value on the points, you can get Amazon gift card and redeem 1000 points for Rs. 500 /- voucher. Only for DCB.

      Reply
      1. Rohit

        How to get voucher on points for DCB. I generally use it only for flights.

        Reply
    3. Sid

      When I tried to book a flight now, it was still showing 1:1 conversion for points (on my DCB card). So I’m confused? where does it state that the conversion ratios have changed?

      Reply
  50. SANDEEP GADGIL

    Just clarifying my arlier question: Is there a sub-limit on how much amount can be spent on vouchers for 10x rewards?

    Reply
    1. Abhi

      you can use your entire cap solely on instant vouchers.

      Reply
    2. Rohit

      you can get all 7500 points just by purchasing vouchers.

      Reply
    3. deva

      got 2500 voucher in june for card upgradation(regalia to infinia in jan)..was never informed that i will get voucher..yet to get spend based voucher 5000×2 nos for last oct and december spends on regalia…strange

      Reply
      1. Rohit

        @deva
        May i know how you got yor card upgraded from regalia to Infinia ?

        Reply
        1. deva

          my limit was 8L on regalia and got call from.bank that there is an offer for credit limit enhancement to 10.5 lakhs and when i asked for what to do with limt enhancement without card upgrade .and he replied u can get infinia card (never expected) and i said please…Though i spend around 6 lakhs in sep to nov period that triggered limit enhancement and upgradation..

          and within next 2 days i received infinia

          upgradation of regalia first to regalia took 1.5 years and regalia to infinia took 10months

          Reply
          1. Rohit

            @Deva
            thats very lucky and bank has no rules on upgrading. Are you an imperia/preferred account holder. Even though my spends are huge by default every march i get a limit enhancement but never a card upgrade and i have to ask for an upgrade when my card expires (3 years). ANy ways as of now i am happy with DCB because 5 lakh spend is possible to achieve and then get fee waived off. And big con is acceptance . I loose atleast 50k worth of spend due to non acceptance.

  51. Nikhil

    It seems HDFC has credited bulk of points in last few days. They considered my several non-insurance transactions as insurance & given 4X points. Also received a random 2500 bigbasket voucher for which I have no idea under which offer as spends were low in last few months. God knows how HDFC systems works. But no complaints

    Reply
    1. Abhi

      yah its weird how their systems work. I called CC to ask for my March milestone vouchers, they said I m not eligible for any since my last March transaction actually got posted in April and I fell short of 80K. They consider posting date and not transaction date to arrive at 80K. Now I got email saying I have won the vouchers for March and can claim them.

      Reply
      1. Neeraj

        My 3 transactions done on last 3 days of May also got posted in June and fell short of 80000 milestone due to this. Customer care told they cannot do anything about it. I have complained to Nodal officer, because unless they be transparent about the transaction posting date, they can do tricks in that to deny us our benefits. Bank is clearly aware of the transaction date and still they opt for a more opaque posting date. I feel this is not correct.

        Reply
    2. shashank bapat

      Nikhil,

      Can you please tell how you are able to track points on daily basis? I am aware of only credit card statement to do this.

      Reply
      1. Nikhil

        Only way is to maintain an excel & put every transaction in it, this is only way as of now. If any discrepancy is there, you can reconcile it with CC

        Reply
    3. George Mathews

      Amazon 5k vouchers are now available. Someone had asked earlier.

      Also, anyone knows how to use Flipkart vouchers from Instavouchers to make payments on Phone Pe? If you do, pls help and explain how.

      Thanks!

      Reply
  52. Chintan

    I guess the Rs. 5000 amazon voucher is perfectly locked to calendar month now unlike before when they use to count 30 days after the purchase. I purchased 1 amazon 5000 voucher on 25th may and another today.

    Reply
  53. Adi

    What is the total benefit one can get from gytr instant vouchers.
    Can i buy Amazon,flipkart,bigbasket vouchers of 5K each meaning getting 10x for all 3 vouchers in a month or cumulative of 5K voucher?

    Reply
    1. Sumit

      Well Effectively you can buy them for 9x advantage as long as you do not cross 7500 10x bonus points limit

      Reply
  54. Ankit Saraf

    got an email (wont call it offer) to spend 2,21,000 from 3rd-30th june and get 5000 voucher among amazon/flipkart, etc.

    Reply
    1. Siddharth Post author

      Seems some got it. But I haven’t got one!

      Reply
      1. Prashant Gupta

        I got on my DCB spend 12000 and get Rs750 voucher.

        Reply
        1. Praveen Katiyar

          I got on both Regalia and Diners Club Miles. Spend between 3rd June -30 June.
          Regalia spend 61,000 and get 2000 voucher..
          Club Miles spend 89,000 and get 2500 voucher..

          Reply
        2. Rohit

          getting 750 for 12000 is insane 🙂 Was wondering what triggered the offer. Whether you dont use DCB at all ?

          Reply
      2. MT

        On wife’s DC Club miles , spend 12000 to get 750rs voucher , 56000 for 2000rs voucher on sister s DCB and 378000 for 7500 voucher on my infinia

        Reply
      3. DHARNIDHAR GUNDU

        Siddharth, Off late I don’t get any Spend Based Offers from HDFC ? Any Pointers how I could become eligible for their Marketing Targets, I have Diners Black and Spent almost 8 Lacs in Last one year

        Reply
        1. Siddharth Post author

          This month I didn’t get it either. It all depends on whom they wish to target at a given time. Will see if I could dig further on this shortly.

          Reply
          1. Keyur Mavani

            Earlier I used to get spend based offers a lot. Reason being I didn’t use my credit card much. Then they forced me to setup standing instruction on my postpaid mobile, so cc is used every month and no spend based offer for me since then

        2. Rohit

          I guess it is for people who kept their DCB in dormant. I am about to reach 5 lakh mark so probably bank is making enough money on that (MDR charges n others). I have never received spend based offer.

          Reply
      4. Aniit Saraf

        I got it first time. I just completed 1 yr with dcb. By the way what to do with bms vouchers on 80k milestone. They seem useless to me.

        Reply
        1. Rohit

          Useless for all. Mine already got expired. probably hdfc changes it since no one will be hitting theater for another year.

          Reply
    2. Rohit

      I get nothing for DCB. Might be it is for those who dont spend much with their DCB.

      Reply
    3. GTMAX

      Received the following recent spend based offers on different credit cards in the family:

      1. DCB – Spend 69K from 3rd-30th June & get voucher worth 2500/-
      2. Infinia – Spend 13K from 3rd-30th June & get voucher worth 750/-
      3. Business Regalia First – Spend 6K from 16th May-15th June within 6 specified merchant categories & get voucher worth 750/-
      4. Regalia – Do at least 1 transaction of any value in May month & get voucher worth 250/-

      Reply
      1. Srikanth Nalla

        Got 2500/- voucher for upgrading the card to Infinia

        Reply
  55. sudheep

    Hi Siddharth

    I think updation is required in max cap portion were you have highlighted as 9x . Smartbuy t&c says cap is for incremental points , it should therefore includes 4x and 2x too..

    Reply
  56. The Conscience

    Received 1000 rs voucher from corpkonnex .and no idea which campaign triggered it. Striving to get payzapp cashback and getting this. Hdfc please hire some logical employees.

    Reply
  57. Roshan Mangal

    Just enquired with customer care, Flipkart ongoing EMI transactions will receive only 3x on remaining EMIs

    Reply
  58. Mandeep Ryait

    Are HDFC commercial credit cards like Business Regalia and Business Regalia FIrst not eligible for cashback and discount offers like that on iPhone or other products?
    Also can a self-employed apply for regular variants of HDFC credit cards?

    Reply
    1. MT

      Yes , when applying for card , you need to be specific for personal variant , business variants go get cashback unless specifically expemted

      Reply
  59. Abhi

    Was expecting that after raising fee on DCB to the same as Infinia, they may match the monthly cap with Infinia’s as well. With partner brands included the cap was infact better (15K on smartbuy and 25K on partners, although the reverse would have made more sense), though partners were not really big spend brands. Instead they have literally halved the 9X cap on DCB. When Infinia cap was reduced from 25K to 15K, the cap on DCB could’ve been atleast 10K rather than 7.5K . Hopefully they ve done this to leave some room for potential 9X partners reintroduction..
    DCB was a winner over Infinia before the 9X caps were dropped, coz it additionally has monthly milestones and complimentary memberships, but now am considering switch to Infinia purely due to it’s better cap.
    Question though, would they give Infinia as LTF if one holds an LTF DCB?

    Reply
  60. Dnyanesh

    Buying Amazon pay vouchers by redeeming RP has become pathetic now – 500₹ voucher for 3300 RP

    Any idea what’s the best use of RP currently, except travel/hotel bookings?

    Reply
    1. Amann

      If you accept 50% value on the points, you can get Amazon gift card and redeem 1000 points for Rs. 500 /- voucher. Only for DCB.

      Reply
      1. Pratik

        Where is this available? On the site redemption , value of points for amazon vouchers is far lower

        Reply
    2. MT

      You must be on regalia first variant , the default reward rate calculation is for hotels/flights, reward rate for redemption for vouchers/products half of default rate , and cash redemption (statement credit) is 30% of default rate … for example , infinia hotel/flight/dth(only infinia) is 3.3% , vouchers is 1.65% and cash redemption is 1%

      Reply
      1. MT

        And ofcourse if earned under 2x/3x/5x/10x offers , the reward rate is proportionally higher

        Reply
      2. Prem Taparia

        @Murad,

        I’m not quite sure about your calculation to avail the 15000 9X bonus points (I’m assuming you’re having Infinia card, since for Diners the max cap is only 7500 9X points). My understanding is you’d need to purchase 50K Smartbuy vouchers monthly to get 15K bonus points, whereas you seem to think that only 35K need to be purchased to get the 15K points. Please recheck!

        Reply
        1. Murad

          @Prem Taparia,

          I have one last EMI of around INR11000 for the month . Hence it will max my limit of 9X bonus of 15000 RP for Infinia.

          Reply
          1. Prem Taparia

            @Murad: thanks, that explains it then…I guess you still have room to buy around Rs4500 Amazon voucher this month to completely exhaust the 15k limit…’coz the purchase should be 50K to fully exhaust 15K points….many card users think the purchase should be 45K, but it’s 50K.

          2. Rohit

            @Murad
            Hope you are aware that you would be getting only 3x for june month so you would still have balance to max out.

          3. Murad

            @Prem Taparia,

            Yes, I am aware of 3X RP for Flipkart. But I want to see the posting of RP on 16Jun and ensure its 3X or 10X for previous Flipkart purchases with EMI. Once I receive RP and still room available, then I will go head and get 1 more voucher.

          4. Murad

            @Prem Taparia,

            I have received old 10X (not 3X) benefits for my last/final EMI which was purchased on Flipkart in jan2020. Also, I have been receiving double 20X RP for EMI installments for past 3 months.

            It looks like old purchase till May2020 will attract the old 10X benefits and not new 3X benefits which is effective from Jun2020.

          5. Prem Taparia

            @Murad: The 3X RP for Flipkart query was posted by Rohit. My query to you was that you still have room to max out your 15K 9X points for June by buying Amazon vouchers worth Rs4000. You had purchased 35K vouchers and had 11K EMI for this month, which totals to 46K spends. But to max out the 15K bonus points, the total spend on Smartbuy vouchers should be 50K every month for Infinia card holders.

  61. shashank bapat

    Can someone please tell me the following
    1. Do we get 10x on instant vouchers purchased using different accounts as there is limitation of 5k for amazon vouchers per account
    2. How are you guys tracking points on daily basis. I see some people saying that the points were credited after 7 days. I thought we could only track points using the credit card statement once a month?

    Reply
    1. Nikhil

      1. I did got 9X points for transaction done in March month.
      2. Rewards points gets updated in rewards portal launched via netbanking. 1X is posted in 3 days & 9X gets posted in anything from 1 week to 6 months. Typical HDFC system. I received 9X points pending from november 19 on 1st June 😛

      Reply
      1. Rohit

        How in the world did you conclude that you got all reward points 🙂 Excel sheet is no longer working because they are not crediting points after 90 days and I have 9x transaction done every alternate days.

        Reply
        1. Nikhil

          I reconcile transactions with CC for all big transactions (>5K). They can confirm that points are against which transaction. I specifically asked for March one’s. They confirmed that it’s credited, except 1 for which I raised a complaint.

          Reply
          1. Rohit

            May i know which number or mail id you are contacting ? Last mail i sent has been more than 10 days and got an auto reply stating due to covid replies would be delayed for weeks.

    2. Sagar Agarwal

      I am also looking for the same information. Can someone please help us answer these questions.

      Thank you.

      Reply
  62. Manish Arora

    1. Fo insta vouchers could we apply promo code and get the benefits in addition to 10x rps or any one (10x vs promo code) be applied at one point.
    2. Are insta vouchers applicable on all categories? If yes, this is helpful as urban ladder, myntra etc are also included in 10x program this way.

    Reply
  63. Rohit

    Did any 1 ask for an upgrade to Infinia from DCb after devaluation of card. someone said there is an offer for preferred customers ?
    I used to get points for loading into payzaap. Is there any chances that they adjust/take back the points. Inspite of excel sheet i lost complete track of points since they are not getting credited exactly on 90th day. Points recently credited is it for Feb month ? I did not get any 9x points for March 1st week

    Reply
    1. Abhi

      DCB is gold mine for HDFC compared to Infinia. They don’t really want to move DCB cust to Infinia, unless someone can really twist arm. I have Imperia relationship, got my RM changed over this. Had multiple escalations, but HDFC won’t budge even a bit. Recently I had a case where due to DCB not getting accepted one of my order (from US) took 1 week hit and I shouted loud to change to Infinia… but HDFC just smiled and told me to FO. Had it not been for >1.5 L reward points, I’d have probably shifted to Regalia for acceptance. But seems like I am stuck for sometime now as International travel is out of question and other than that RP are waste.

      Reply
      1. Rohit

        @Abhi
        I had similar issue but much bigger. I had an invitation for infinia and 2 staff confirmed it but after they applied it got declined. When escalated they said it was a mistake commuted by staff which was BS. Worst part is they made me open/refer an account on this. I took this matter to top head but they just denied neither gave me An LTF DCb for their mistake. Finally what i realized that since i am an old customer 10 plus years with preferred account they are not bothered thinking i would stick on typical indian corporate mentality. Probably i close the account then they would come running to give infinia. Any ways now i find no difference between infinia and dcb after devaluation 🙂 and DCB has its own advantage. Just get a backup card from other bank is what i did and you are good to go.

        Reply
    2. Mudit

      Talked to CC. The points credited recently are 90 day points for Jan and 9x smartbuy for May.
      The pending 90 day points from feb would be credited in July

      Reply
  64. Alok Agarwal

    Well the wow factor seems to be gone with the updates though the benefits are still better that most of the other offerings in the market. However I feel if some competitor ups the game, I might think of moving my spends.

    The increase in annual fees and the accompanying benefits in my view are too poor in terms of the value they give. Almost less that 75% I feel. This is why:

    Marriot membership: 20% on dining. Nearbuy gives better offers on Marriot restaurants (~50%)
    MMT Double black: HDFC has tie up with cleartrip and Yatra. So either I loose 10X on flights and hotel or avail the no cancellation fee benefit given by this membership.
    Forbes: not sure how many will utilize it.
    Others are smallet ones on which you see discounts anyways through other means.

    Reply
    1. Rohit

      Previously few years back 10x was applicable only for flights and hotel. There were no 10x for vouchers/amazon/flipkart. So considering people fly less ,instant voucher is great way to accumulate points. I have no complaints on that. But reducing flipkart and amazon 10x is a bit disappointing because max cap for dcb is also reduced to 7500.
      And now inclusion of airport lounge to add on is also great and i have already utilised 7 times from Jan to March this year. In the end DCB is only beneficial for people who spend a lot and if its your back up card then definitely not worth.
      You can but MMT vouchers and get 10x but there are lots of TC which makes it not worth for me. Might be you can have a look on that.

      Reply
  65. Mohan

    Hello,
    Great article as always, Sid. Since they have curtailed our earning of points, I have a couple of questions here:

    I have an Infinia card.
    1. Will I get 5x points if I buy Amazon Pay vouchers on the Amazon Website after landing there through Smartbuy.
    2. Can I create multiple Gyftyr User accounts to utilize the Rs.5000 cap on Amazon Vouchers per account using the Same infinia Credit Card? (Will i Get the 10x benefit?)

    Thank you 🙂

    Reply
    1. ghanshyam

      I tried to use my wife’s smartbuy account (for hdfc solitaire cc) to purchase amazon voucher. when using my diners black for payment, the transaction simply failed. I have tried multiple times. So I don’t think it is possible to buy amazon vouchers from multiple account, though one user above claimed, he had bought it from two different account.

      Reply
      1. FrequentFlyer15

        Wait for atleast 24 hours before using the same card. Ideally I wait 2 days.

        Reply
    2. Sudheep

      Hi Mohan

      1.– Not SURE

      2. YES.Multiple gyftr accounts will work to override 5K barrior.

      Reply
      1. Arshdeep Singh

        Multiple accounts will override 5k barrier but will it give 10x rewards beyond 5k..?

        Reply
        1. FrequentFlyer15

          Yes. I can confirm that I have received the points bypassing the 5k limit.

          Reply
    3. Gautam

      1. You will not get any points for vouchers bought on Amazon. You can buy amazon vouchers on Smartbuy-Giftyr and get 10x.
      2. No. The bank wasn’t born yesterday. It is applicable per card basis.

      Reply
  66. shashank bapat

    Can Flipkart vouchers be used to pay electricity, gas and mobile bills?

    Reply
  67. Trinadh

    I am holding a Diners Clubmiles card.
    How these changes of 10x program impact clubmiles card?

    Reply
    1. FrequentFlyer15

      I hold the same. Unfortunately the card that has got hit the most is our clubmiles. We will now get only Rs 1000 cashback.

      Reply
  68. Abhishek Agarwak

    This might be a bit unrelated…I am using Infinia, and had redeemed my points for some shopping and travel vouchers (Worth over INR 20K). Most of these vouchers had an expiry date for either May or June 2020.

    Because of COVID, has HDFC extended the expiry dates of these vouchers? They should because most people would have been unable to redeem them because of lockdown. Any info on the same would be helpful! Thanks.

    Reply
    1. Rohit

      @Abhishek Agarwak
      I had a value of around 1200 voucher expiring in the month of march so i just booked a ticket for may month. Since the flight got cancelled airlines offered me a refund only to their wallet but gave a validity of 730 days. So i happily converted my 1 month validity voucher to 2 yrs validity.
      I have some milestone achievement vouchers such has BMS of 500 which already got expired .Not sure how it would work.

      Reply
    2. Ashish

      Even i am wondering the same, using DB and have got monthly spend voucher, ola is no more an option, BMS – HOW TO USE?, TATAclick still usable. Have anybody got any suggestions for this

      Reply
      1. Ramesh Kumar

        I have contacted BookMyShow and they extended 2 expired vouchers with validity till 30th September, so trying contacting bookmyshow customer care.

        Reply
  69. Sohail

    So i hade a ltf card dcb and got upgraded to new dcb but now after 6 months of getting dcb i got charged 10k+gst what to do? Why was i billed after 6 month when my card was ltf.

    Reply
    1. Rohit

      reason for upgrading to paid when you had LTF ? I would have never done that. You have no option but to escalate. HDFC might have their own rules for charging.

      Reply
  70. Murad

    Does anyone know how to transfer amazon voucher to phonepe and use.

    Reply
  71. Dr Patil

    Hi Siddhartha

    I am a doctor by profession. I have HDFC diners black and Amex platinum travel cards. Sometimes i do get stuck when none of the cards get accepted. So now, I am looking for a premium Visa or Mastercard. Which one would you suggest?
    Ive heard SC Ultimate is good, but dont know whats the current status of that card in Covid situation. Any other card which you would recommend?

    Reply
    1. Amann

      SC ULTIMATE is good but redemption options are e-vouchers like croma/ Bigbazaar/ MMT etc. And they keep going out of stock quickly. So if you don’t mind redeeming once in 3 months, you get 3.3% reward rate and all transaction wise points details are available.

      No Amazon / Flipkart in more than a year.

      PS rewards portal is showing a new Cash option but is not working as of now. Don’t know the plan there…

      Reply
      1. Prem Taparia

        @Amann
        The cash redemption option on the Std Chtd rewards portal is not new. It has always been there. But its only applicable for Titanium & Manhattan Card holders. As an Ultimate credit card holder, I’m more concerned that their ‘new rewards portal’ (going to be released by next weekend I’m told) may be on the same lines as the Diners redemption option. That is, 100% ratio for flight & hotel booking and 50% ratio for other vouchers. Like a trailer window, one can see the ‘Travel further with SCB’ banner on their current 360 degree rewards portal. If this devaluation (for NON-hotel-flight vouchers) happens, it will be big blow. Because these options were the only scoring points that SCB had over DCB, in terms of redemption value. Anyone having both cards would have normally redeemed DCB points for travel and SCB points for shopping vouches. Now (IF the devaluation happens for SCB) it would seem that there would be a luxury of choices for travel options while a poverty (poor redemption ratio) of choices for other shopping voucher options.

        Reply
    2. ManzB

      I suggest Axis Vistara Infinite or SC Ultimate.

      Axis Vistara Visa Infinte – Fees 10k- You get a free Buisness class ticket and 2 Upgrade vouchers (to compensate the fees). Returns on spend depneds on the value of Vistara rewards points, but approx 10% and diminishes progressively beyond 2.5 lacs PA.

      SC Ultimate Master Card – Fees 5K- Gives 5K rewards to compensate the fees plus 3.3% return on all spends including Wallet. Also gives free unlimited lounge access (domestic/ international) incl the add on cardholders.

      Reply
    3. Praveen Katiyar

      Dr. Patil,
      Now that fee of DCB and Infinia is same, try to get Infinia. Else take any basic card (like ICICI Amazon) as there is no annual spend target and cashback (Amazon Pay) earned can be used to shop/bill payment.

      Reply
      1. Dr Patil

        Thank you Praveen for your suggestion.
        Actually I received DCB as an upgrade to Regalia in Dec 2019. So not sure if I will be eligible for upgrade. Though I have spend about 8 lakhs since Jan as i paid down payment of my car on my card. I believe Infinia is only by invitation ?

        Reply
        1. Rohit

          @ Dr Patil
          there are no rules in HDFC bank. In spite of having invitation bank did not give me Infinia . Since you have already spent 8 lakhs you will have to do the sales part by telling to the bank that Many are not accepting DCB and you are having problem with that. There are chances bank might upgrade. There might be another problem too what some one pointed out. MDR charges is very high with DCb which means bank makes more money when we use more of DCB. In that context bank might deny. Something similar happened to one of the DCB holders. Bank is not bothered of customer satisfaction. There is nothing wrong if you could try and keep us posted.
          Reason why i wont be asking for infinia is :
          1. Easy to reach 5 lakh spend making the card free (12k savings)
          2. DCb has Millestone achievements.
          3. if your flight ticket is more than 50k or even lakh convert it into 3 month paid EMI so that you can get 7500 points on following months.
          Just few benefits i have listed on DCB. You can easily get ICICI amazon pay visa card which is free card as a backup.

          Reply
          1. Prashant Gupta

            U get the 10x on the spends in a month. Any emi converted will only get u 7500 and not 7500 every month. Right now its better to go with infinia. For annual fee u get points GST of 1800 can easily be recovered because of double cap on points. Milestones on DCB are useless as in any case u get 1on1 on BMS via visa infinite. And i have both DCB and infinia.

      2. Rohit

        Exactly . I got Amazon pay and rubyx for DCB. Bad thing is spends get diverted because of non acceptance of dcb.

        Reply
  72. Su nny

    In Credit Card Statement for vouchers purchase earlier it used to appear as SMARTBUY VOUCHERS NEW DELHI” but now is is appearing as ”WWW GYFTR COM GURGAON”. Do other also see this in their statement. Is there a possibility that they don’t credit 10X for the latter.

    Reply
    1. Ramesh Kumar

      That’s changed few months ago, but getting 9x on first or second day of month. For example, I got 9x on June 1st for May month transactions including voucher purchases.

      Reply
    2. GTMAX

      Sunny, you don’t need to be worried about it. 9X Points for the same(WWW GYFTR COM GURGAON) are getting credited in 2-3 days now..

      Reply
      1. Tejas Ghongadi

        Are you sure that the 9X Points are crediting in 2-3 days now?

        It isnt for me. In fact, I have over 16-17K Points balance to be credited from January till now. Due to the sporadic points crediting of 9X points by HDFC, it has really become a pain to monitor.

        Reply
        1. GTMAX

          February & March 9x points posting is still pending.
          However, received 9x points within T+3 days for txns done on 30th May & had confirmed the same with customer care (Amazon, Compare & Shop will still take 90 days)

          Reply
          1. Rohit

            I have noticed that May 30th trans I got 9x too but i was not sure for what since my points are pending since Dec 19. Is there a separate number for DCB whom i c ould call and check. or have to call regular credit card team who are useless most of the time.

      2. Rohit

        So for June month transaction from smartbuy 9X credits points in T+3 days just like how it was in april ?

        Reply
        1. Ramesh Kumar

          No, I did few GYFTR transactions(via smartbuy) on first week of June but not received 9x till now.

          Reply
  73. Nexuson

    As Travel and Hotel have become less, everyone must be wondering where to use RP for getting maximum points. One thing i found for now is for recharging your DTH which gives 1RP=1Rs. I use it to recharge my TATA Sky. Though u have to select a plan in that, bt finally only amount will get credited to your account and it will get debited on monthly basis as per your current plan.

    Reply
    1. Aims

      @Nexuson From where do u do the DTH recharge?
      Please provide more details

      Reply
    2. Vijay

      Option for DTH recharge is only for Infinia and not for DCB

      Reply
    3. Sumeet

      Thanks a lot, buddy! I wasn’t aware of this. Very helpful info.

      Reply
    4. Arun

      Do we get to recharge DTH @ 1:1 with DCB points?
      I don’t see any option in the redemption portal. How do we do that?

      Reply
    5. Rohit

      Its been almost 2 to 3 years since i last recharged DTH. I cast jio tv on my smart tv and watch it free 🙂
      Still surprised people are using DTH when we can watch things for free (Jio mobile recharge required)
      I guess now even with airtel tv you can do.

      Reply
  74. Aastha Chawla

    Hey Siddhartha,

    Very well written article. I’ve been through all the comments and it would be great if you could confirm the following as it will clear many peoples’ doubts:

    Will we get 10x reward points on Amazon Insta vouchers bought through multiple GYFTR accounts but same DCB to circumvent the 5k cap as long as DCB RP limit of 7500 is not reached? Someone above said they got it, while someone said the Bank wasn’t born yesterday so the limit is on per card basis! PLEASE CLARIFY.

    I can confirm the transaction is not failing and it allows you to purchase.

    Also checked with customer care and they said as long as a transaction is completed through DCB and portal is allowing to purchase it will be counted. But I don’t trust a customer care executive who may not be fully aware and that the ‘Bank was not born yesterday’ makes a lot of sense.

    Reply
    1. Siddharth Post author

      Well, it appears that everyone is getting points for using multiple a/c’s “for now”. And that the subsequent transaction via other a/c post hitting the limit needs to be done with ~2 days gap for better success rate.

      That said, the point to note is bank may revoke these points anytime if they wish to. So play safe!

      Reply
      1. Prem Taparia

        Agree. Now that the cat is out of the bag, I feel HDFC will come up with fresh caps, especially on Amazon Vouchers. It may either completely remove them or impose ‘card-wise’ limit rather than ‘account-wise’ limit.

        Reply
      2. Pranav Sharma

        I tried 2 months back don’t do that shit ,the payment provider which they are using will tell bank is it Amazon voucher or flipkart voucher by some id code which appears while purchasing so after 90 days you will get points only on 5000 rs , all those are scammers plz don’t waste money in this time

        Reply
        1. Rohit

          @Pranav Sharma
          Agree with you. only because of people panic purchase on amazon voucher last year this 5k cap came into existence and now genuine buyers are affected because of this. If people purchased what they wanted nothing would have happened. Now as you said HDFC would bring restrictions on this too. I neither tried nor would in spite of having short of voucher. Would advice people also not to create multiple accounts.

          Reply
          1. Tejas Ghongadi

            What’s Panic Purchase in this?

            The Amazon Vouchers are valid for 1 year and the 10X program isnt going to last forever. So if there is a chance that I am getting unlimited Amazon Vouchers at 33.3% reward rate, I will pick it up even if I don’t need it immediately. Amazon Portal has almost everything that one can think of. I don’t see the point in blaming others for the capping brought in by HDFC. Finally, its about accumulating reward points under 10X as much as possible.

      3. Abdul

        Hi Siddharth,
        I indeed checked with the HDFC Customer care , smartbuy Gyftr team as well. They repeatedly confirmed that points posting shall be as per Gyftr account basis not card. For the sake of proof I have the call recordings as well which might be helpful.

        Will these proof serve the purpose while bank contradicts in near future?

        Reply
        1. Abdul

          Also to add the point, the bank has no where mentioned in the T & Cs that points posting capping would be on card basis.

          Reply
          1. GTMAX

            Precisely. You are right Abdul.

            Hence, I would suggest other folks to not create so much of buzz by calling them or posting it here in large numbers that they take notice of the same & add the restriction of points capping on card basis.

            Until they add this dreaded one liner in the T&C, I do not think there is anything to be worried about 9x points posting & they also have no right to revoke it in the future.

    2. GTMAX

      The bank was not born yesterday isn’t making sense in this context right now.

      Reply
      1. NIkhil

        You were right. Now amazon vouchers are removed. HDFC might have noticed all this, also multiple people enquired CC about this.

        Reply
  75. Aman Gulati

    Can someone confirm if 9X rewards are getting credited in 2-3 days now? I cannot see points for smartbuy gyftr transactions made in May 2020. I did grt some points on June 1st but they seem to be for Feb 2020 transactions.

    Reply
  76. karun

    DCB is awesome card… and now its time to redeem points on domestic tickets (specially for travelers ) for those who say travel will be less it depends … Still people can earn (9X) 7500 reward points per month and in a year its 90000/-…. Also annually 5 lakhs milestone is normal . So card is basically free and so much perks… I think many people in this group are age of 25-35 …so travel , travel and travel !

    Reply
  77. Sid

    I’m a little confused – when I tried to book a flight on Smartbuy just now, it was showing me a 1:1 conversion still for points vs Rs (points earned on my DCB card) – am I missing something? Has the ratio been changed on other categories? It looks like Flights can still be booked for 1:1?

    Reply
    1. Tejas Ghongadi

      It has always been 1:1 for Flights & Hotels and 2:1 or lower for other rewards.

      Reply
  78. MSK

    Hi siddharh,

    Well, I checked with HDFC CC and also smarbuy Gyftr team too. They double confirmed that max cap of 5k is applicable per Gyftr account not on card basis. I have proof of call records of these for future purpose.
    1.Are these proofs enough if in case bank denies the such claim?
    2. No where in T&Cs it’s mentioned that capping is on card level basis, so they can’t revoke the points already credited or can deny the 9X in case of multiple accounts purchase untill the card level capping is achieved (Infinia_15K & DCB_7.5K)

    Reply
    1. Pranav Sharma

      Bro all these are just customer care agents and are parrots, will they give you points or hdfc bank system i myself have experienced this situation and denied points, do you know why hdfc changed the gateway and not using itself gateway which was earlier their only because of this

      Reply
      1. Rohit

        Agree. Also reason to credit points after 90 days is to eat away half the points. HDFC is know for that. Just follow T&C take screenshot for proof and you are good to go.

        Reply
  79. Naresh Kumar

    FOR ANYONE WANTING TO REDEEM THEIR POINTS TO AMAZON GIFT VOUCHERS, REDEEM THEM VIA DINNERS SMARTBUY PORTAL WHERE THE VALUE OF THE POINTS IS 1/2 NOW, HURRY!

    Reply
    1. MT

      Exists for a long time already, no need to hurry , people were not exercising it bcoz of higher redemption rate on smartbuy portal

      Reply
  80. Arun

    Amazon vouchers are available for redemption @ 2:1. Grab before it goes.

    Amazon Pay eGift Card INR 1000
    SRGV8027
    2000 Pts

    Reply
    1. Umesh

      How and where to buy.. The reward redemption option is from net banking and don’t see Amazon at that ratio

      Reply
      1. MT

        That ratio is only valid for infinia and dcb , all vouchers are going at 50% of smartbuy redemption rate and statement credit at 30% of smartbuy redemption rate

        Reply
        1. Abhi

          I am seeing 15% for Amazon vouchers on my DCB. Not sure if HDFC has stared differentiating with older customers even on rewards redumption as well?

          Reply
          1. MT

            @Abhi , you are right , they have changed their reward rates , i am also now seeing 5000gv for 33330 pts , making it 15ps per point for amazon and flipkart GVs , but there are others which can be redeemed upto 50ps per point…. i was defending 50ps per point for amazon bcoz just 25days ago (from this comment gate) , i had redeem 20k points for 10k worth of amazon GVs … cash redemption still stands at 30ps per points for me forDCB and Infinia both , however , given the circumstances , i think they will devalue to 15ps soon

      2. MT

        go via smartbuy portal -> privileges section , the netbanking is showing 5000gv at 33330pts , while smartbuy portal is showing 1000gv at 2000points (for dcb and infinia)

        Reply
        1. Abhi

          Wow, thanks. Never knew there are two different ways and different values 😀 Spent 10K points. But looks like gift voucher is physical and will take some time t reach.

          Reply
    2. Abhi

      Is it only me seeing much bad redemption rate? I see Amazon 1K voucher for 6660 & 5K voucher for 33330 (33K ????) Redumption rate of nearly 7:1 (Or Rs 0.15/ RP ) Half of even cash redumption @ Rs0.30 /RP.

      Reply
      1. Mohan Eluri

        Limit Enhanced on my Infinia Card…..with the crazy situation around my limit on my Infinia Card enhanced from 12 lakh to 15 Lakh…..

        Reply
    3. Rohit

      Do it only if points are going to expire. Do not panic redeem. Also I have noticed that bank is promoting to redeem points to cash 🙂
      I never got the vouchers. Is this correct
      Smartbuy->Privileges–>Select card–> rewards and then choose amazon . Is that correct ?
      or anything else.

      Reply
  81. Abhi

    Lot of folks have this query if they can buy GVs from multiple gyftr accounts using the same card to get 10X and overcome the 5K voucher cap.
    One must note that it works for some people and declines for many others, even after a 2day or even 2 month wait etc. For those for whom it works, it usually works after 2 days of a previous transaction on a different acc for same brand voucher using same card.
    Importantly, the cap is NOT levied by HDFC but by gyftr. HDFC doesn’t say that your card is capped to buy only 5K Amazon or FK GV per 30 days. That’s a cap levied by gyftr only for a given gyftr acc linked to smartbuy. And gyftr has no control over how many accounts exist in your family.
    So if you can successfully transact on multiple accounts, Hdfc doesnt have a problem, they simply track every purchase as a gyftr transaction and not based on which brand voucher you purchased, or whose account was used, so 10X is valid. Lot of people have got 10X already credited for this, and no T&C of HDFC is violated, until they change something in future.

    Reply
    1. Pranav Sharma

      I have done this and points are denied by hdfc Bank use your money wisely

      Reply
        1. Rajat

          How much time it takes to reflect Gyftr 10x Points to show in the account?

          Also, is it okay to buy different brand voucher for more then 5k and i will still get 10X reward point.

          Reply
    2. Naresh kumar

      The limit was so that everyone gets vouchers but because of these commentors, now they are gone and probably won’t come back or with more restrictions.

      GOOD JOB EVERYONE FOR MESSING IT FOR EVERYONE!!

      Reply
      1. Prashant Gupta

        Which vouchers have gone. I can see all are there

        Reply
  82. Rohit

    Should it be worth to renew by dcb card after this devaluation ,10k is too much had it been 5k it was ok

    Reply
  83. Amit

    Hi please help.. if the flight ticket is booked via diner black points and the flight is cancelled, any idea how does the refund mechanism work? Do we get back the points?

    Reply
    1. Himanshu

      I booked to n fro return tickets and only return ticket was cancelled by airline. So points related to return ticket were refunded back by end of the month.

      Reply
  84. Gurkirat

    Talked to RM, upgrading Regalia to DCB.
    Considering the annual anniversary reward points have been discontinued now, Is it worth an upgrade? or Wait for few months.

    Reply
    1. Rohit

      @Gurkirat
      Depends on your spends. If you dont travel at all with no flight and hotel booking then you can forget Infinia/DCB
      Also if your spend is not more than 5 lakh then you dont get much in return provided you get max from 9x. In a nutshell if you spend more it is for you or you can leave it. Also now the fee is 12k and not 6k so even that you should keep in mind.

      Reply
      1. Gurkirat

        My annual spends are around 8-9L , but most of it isnt via smartbuy. I’m planning multiple trips from next year onwards. May be accumulate points by then. I’ll try to shift expenditure via smartbuy.

        Reply
        1. Rohit

          If thats the case then you can get it if being offered. I think i have accumulated 40k points in matter of 8 months because of grocery so yes it is possible. Also now you get unlimited airport lounge access for Add on card. (Lounge might not be available for an year)

          Reply
          1. gurkirat singh

            Thanks for insight, but considering further rounds of devaluation in DCB, i think I’m gonna stick with regalia for now. Also is it recommended by any chance to transfer rewards for intermiles , as they’re offering 40% extra miles on transfer. PS new to intermiles is it worth.

  85. Srikkanth

    Hi Siddharth,

    Can anyone confirm what happens to pending dcb 9x points of previous months if we upgrade dcb to Infinia ? Will they deny those 9x points or credit it to Infinia credit card ?

    Reply
    1. Prashant Gupta

      You will get the points in infinia. I too got them in infinia on spends done in dcb.

      Reply
    2. Rohit

      Last time when i upgraded i waited till all my points got credited and then asked for upgrade. I did not take a chance since i had lots of pending points.Might be someone else can share info on this.

      Reply
    3. Chintan

      Maintain an excel of pending points and go for the upgrade, incase if you do not receive points call the dcb premium customer care, you will receive the same for sure.

      Reply
    1. Krishnakumar

      Please call up GyftR customer care. I called them a couple of days ago and they said that shortly they will make BB available on smartbuy. However they have not acted. So if few mare people call them they will get it sooner on popular demand.

      Reply
  86. Manpal Singh Julka

    1 question !
    I have a Regalia card.
    If i transact via smartbuy (5% cashack) ; ill get 1.3% worth of points PLUS 5% cashback ?
    Can anybody confirm please ?

    Reply
    1. Rahil Shah

      I’d the same query. I tested with a minor transaction of INR 350 on Flipkart. Received 8 points a couple of days back on my Diners Privilege card. Now, I guess we may have to wait for the cashback to be credited. I don’t know if HDFC bank would reverse the points once the cashback is credited within 90 days.

      Keeping fingers crossed!

      Reply
  87. Soham

    Whoaaaaa….

    Amazon Vouchers are not available in Instant Vouchers any more….

    Reply
  88. Naval

    Hi all,
    I have a question here; some people are saying points are credited in T+2 or T+3 (Bonus), how do you come to know when the points are credited?

    On Excel Sheet; I have created my own excel sheet wherein you need to enter the Date and Transaction amount with Type (1X/3X/5X/10X) and it will calculate everything like how much normal points or bonus points are earned in calendar month.

    Reply
  89. Siddharth Jain

    Hi Guys,

    I own a DCB and I was getting a good amount of points for my grocery spending by buying big basket gyftr vouchers.
    I don’t see those vouchers listed this month,

    I’ve already bought amazon and flipkart gift vouchers ?

    My question is : Have anyone ever tried creating two hdfc smart buy accounts and buying flipkart and amazon voucher two times.
    Since from the same account it has a cap of 5k.

    Can anyone let me know if it works ?

    Reply
    1. Rohit

      You can always move your purchase to bigbazaar and More. Considering lockdown I have moved my grocery shopping to more. Bigbasket is way expensive when compared to Amazon pantry . Bigbasket sells most of the products in MRP. Bigbasket is only useful for emergency purpose and for Senior citizens 🙂

      Reply
      1. ghanshyam

        I use Bigbasket, Grofers, Amazon pantry and Flipkart for grocery shopping for the last many years
        Grofers is cheapest, but no 10x benefit (doesn’t even accept amazon pay as payment method)
        BigBasket is good for fruit, vegetables but rates very drastically on daily basis. 3kg pack of sweet lime is priced 89-149 within a week :O. I order when prices are cheaper.
        Amazon pantry is better for packed items (ghee, sugar, oil, surf etc)
        Flipkart have limited inventory, but insane discount on select products.
        In addition, home brand products of Bigbasket, Grofers (for non-personal cosmetics) like toilet cleaners, air fresheners etc are better and way cheaper then branded ones.

        Reply
      2. Krishnakumar

        @Rohit “Considering lockdown I have moved my grocery shopping to more.”- Can you elaborate? Does More gives you online purchase option? I prefer Bigbasket because of Online option and Home delivery.

        Reply
        1. Rohit

          @Krishnakumar
          If you are at big cities more is available at a distance of less than 2 km . I have seen a banner of free delivery but not sure you can book online. but one good thing of more is vegetables are of good quality and if you use 250 voucher and extra bill can be paid through amazon pay. Big basket sells in mrp so if you shop for 1000 you would loose 200. Amazon pantry is way better but you would not get vegetables.

          Reply
  90. Jigar Patel

    Amazon Vouchers no longer listed on the Smartbuy page, only option is the 5X discount via direct purchase on Amazon. It now says ‘No Branb Available’ and you can’t even find it listed under ‘Online’ brands on the gyftr page. I guess it is not going to come back anytime soon 🙁

    No vouchers being listed was a different thing since they got replenished every couple weeks, but now ‘No Brand Available’ is worrisome. Oh well, it was good while it lasted.

    Reply
    1. Murad

      Amazon vouchers are live as of now on 16Jun20 09PM. I just purchased it.

      Reply
      1. Jigar Patel

        Yeah, thank you for the info. Apparently the brand had completely vanished for 12 hours. Came back on the next day. 🙂

        Reply
  91. Abhi

    Once you exhaust your 10X cap on DCB, and hold a Yes Excl card, shift your remaining purchase there when they run their 5X program occasionally. Translates to 7.5% RP value. Available for platforms like Amazon, FK, Tatacliq.

    Reply
  92. Amann

    More devaluation / capping of DCB:

    WEF 1ST JUL 20, 2X RP ON WEEKEND DINING WILL BE CAPPED AT 1000 RP PER DAY. FOR DETAILS, VISIT HDFCBANKDINERSCLUB.COM

    Got this in my card statement. Believe its already capped for Infinia as well.

    Reply
    1. Siddharth Post author

      Yes, they capped it on all cards. Just got the article live.

      Reply
  93. Varun

    Hi Everyone
    I have one query .Its mentioned in Gyftr smartbuy that the maximum allowed Vouchers purchase is 5k.Does that mean If I buy Uber or other vocuhers above 5k in a month O wont be eligible for a cash back.Till date I was buying more than 15k Vouchers of more Amzon Flipkart etc everymonth from Smartbuy

    Reply
    1. Pranav Sharma

      No no only for Amazon and flipkart seperately limit

      Reply
    2. Jigar Patel

      Point cap is 7500 RP on DCB & 15000 RP on Infinia, so I guess you can buy 25k worth of different brand vouchers on Smartbuy in a month provided you don’t spend on direct purchases on Amazon/Flipkart/Flights/Hotels (@5X RP) in the same month… or keep a check on transactions done in a month and calculate points accordingly (5X/10X).

      Reply
    3. Jigar Patel

      That calculation was for DCB, for Infinia you can spend 50k a month post which you will only get 3.3% RP

      Reply
  94. Pranab

    Got 20X (19X bonus) points now 3 months in a row for flipkart EMI purchase (EMI posting date: 14th June, 20X points posted today 16th June).
    Assumed this month it would be 3X (2X bonus) as per terms and conditions.
    CC is also don’t have any knowledge on this.

    Reply
    1. Murad

      @ Pranab

      Same here. I have received 20X reward points for past three months.

      Reply
    2. Rohit

      lol on other hand I didnt even receive points for 9x Feb month . Got some 2k points on may end might be for bonus points for insurance Dec 19.

      Reply
    3. ManzB

      20X .. wow !! seems like a glitch. It means 67% discount. Please confirm

      Reply
  95. Rohit

    Yesterday I was checking Gyftr site and I wanted to know whether there is an option to make payment from Amazon pay as wallet at gyftr if so then we can get vouchers for bigbasket or whatever available there.

    Reply
  96. Aakash

    Hey, All I own an HDFC DCB, and I plan to buy a product worth 40K!
    Should I go for it now or wait till July 1 to see whether 10x would be back or not? Your Thoughts?

    Reply
  97. Srikkanth

    Did anyone receive 9x amazon points for the month of March? Was it supposed to be 90 days from txn date or 90 days from last date of txn month ?

    Reply
  98. Pranab

    Today received the Feb 9X points for Amazon & Gyftr (correct points, no less or more).

    Reply
    1. GCA

      @Pranab
      Are you sure it’s for Feb? I didn’t receive any points.

      Reply
    2. Rohit

      @Pranab
      How did you confirm its for Feb since march month is also pending .

      Reply
  99. Karan Chawla

    Got for Amazon not gyftr. Can someone confirm for gyftr

    Reply
  100. Amann

    I got 9x for Amazon transactions of Feb 2020. Think at that time, flipkart & smartbuy 9x used to come in 1 week’s time.

    No sure if I got Diners 9x like First Cry transactions.

    Reply
  101. Gautam

    Mysteriously, available points on my DCB are 7k higher than what my excel sheet suggests (including 4k pending points from Amazon). Anybody else got suspense additional credit?

    Reply
    1. Chintan

      It might be because of occasional 5x program hdfc runs after every couple of months. I received 5000 points in February. When I asked the customer care they said it was for a 5x program they ran during September 2019. I did receive mail communication during sep but I wasn’t tracking it.

      Reply
  102. Pranab

    @Rohit, GCA & Karan Chawla,
    It was for ‘Feb Smartbuy’ as confirmed by CC. I got 12600 points today. My due for ‘Feb Amazon’ is exactly 12600. Also there was negative 120 points for gyftr (as I exceeded 25000 cap by 120 points), but that negative was nullified by IRCTC cancellation.

    Reply
    1. Rohit

      @Pranab
      I have posted this multiple times but no one is sharing 🙁 whom to contact no/mail id for points discrepancy on DCB. I mailed to customer care 20 days back and got auto mail due to covid you would get delayed response and actually there is no response.
      Today 19/6 I got a credit of 590 ( in that 85+165 is payzaap and amazon 1x making it 304 points) and for feb I am suppose to get 1665. I guess dec 19 5x insurance is 2000 max cap so even that i will have to check. My biggest problem is I have 9x every alternate days so it is becoming impossible to know what is getting credited since even june is coming to an end not sure it is feb or march points .

      Reply
    2. GCA

      @Pranab
      Contacted CC today. As expected due to change in PG on 25th Feb they want order ids and all for Smartbuy Insta Voucher Transactions.

      Reply
  103. Sid

    Has anyone else suddenly stopped getting email confirmation for Smartbuy transactions on Amazon? Usually I used to get the emails within 2 days but I haven’t received any mails for my purchases in the past 10 days.

    Reply
    1. Divyang Patel

      Dear i received on latest purchase of Laptop in June 1st week.

      I got mail confirmation between 48-72 Hrs

      Reply
    2. shashank bapat

      Did not receive response for May 31st transactions which I made to benefit from 10x the last time
      Did a transaction on Jun17th for which received email after 2 days

      Reply
    3. Shivang

      I purchased a phone on Amazon in June 3rd week and got a confirmation mail from Smartbuy the next day

      Reply
  104. Divyang Pate;

    Dear friends,
    pls clear my doubt,

    1) For infinia Card, If monthly capp is 15000RP, but is 9x cap calculation or 10X cap calculation?
    If its 10x cap then i use maximum 45000 per month per Infinia card,,,,,,,,,and
    if its 9x cap then i use 50000 per month per infinia card

    pls give me clarity

    2) 15000 RP cap only applicable to 10x/5x/3x/2x transaction OR applicable to over all purchase including 1x normal routine transactions???

    Pls clear my both doubt

    Reply
    1. Gaurav

      There is no limit of 1x points on any eligible transactions, you can as many 1x points.
      The cap of 15000 is on 9x. So in order to max out the 15000 bonus points, you’ll precisely need to spend 50,100 on 10x categories.

      15000 cap is applicable to all 10x, 5x, 3x and 2x transactions.

      Reply
  105. Aravind

    I think the 10X or a (lesser)X will return, ineterestingly HDFC is having a sale on flipkart from 22 – 26 June for 10% discount, may be they want the not so premium CC holders to use this advantage for a few times. Until then i dont think 1)X will return or even until the whole COVID thing dies down.

    Reply
    1. Rohit

      @Arvind
      any offer now is BS due to covid issue. I ordered phone on march 22 and still i did not get due to lock down and not even sure will get it in july but i was lucky enough to get at 12% GST so did not cancel my order.

      Reply
  106. Nithin

    In the current scheme of things,

    Is it better to redeem infinia points for Amzn vochers at 16% value or wait for travel post covid for 33% value?
    Just wondering if they will devalue the points for travel redeemption in future?

    Reply
    1. Rohit

      @Nithin
      If your points are going to expire then redeem or else hold. Travel will get to normal at max in 1 year and infinia/dcb has 3 yrs validity. They will not devalue for travel then it would become a fraud by offering onething and then giving something. Thats why we have seen a reduction in 10x program and a cap on cards.

      Reply
  107. Pranab

    @Rohit,
    Every time I get a bulk of points (not sure for which transaction), I contact dedicated ‘Super Premium Card Services’ helpdesk and ask for bifurcation of bonus points for last few days. Every time it matches.

    Reply
    1. Sayantan

      @pranab: what is the email-id or phone number of this helpdesk that you are referring to above? Even I keep facing issues in tracking Reward Points when a bunch of them gets posted en-mass to my account.

      Reply
    2. Varun

      Dear Pranab,
      Can you help, how and where to contact for this ‘Super Premium Card Services’ helpdesk??

      Reply
  108. Pranab

    @Divyang Pate,
    1. It’s ₹50000.
    2. The cap is for SMARTBUY transactions (Shopping/Flights/Hotel/Train/Bus/Gyftr). Free from any other regular transactions and occasionial promotions like insurance.

    Reply
  109. Divyang Patel

    Thnks friends for your reply, Now my both doubt is clear

    Reply
  110. Divyang Patel

    As Today’s discussion with HDFC bank CC,

    They said initially incremental points credited within 10-15 days of transaction date but now onwards from Mar 2020, It will credited after near around 90 days (Applicable to Gift Voucher and Amazon)

    GV contract change from Smartby to GYFTER directly, In statement you also observed that initially upto Feb 2020 Its Smartbuy.com, new Delhi and from Mar-2020 onwards its GYFTER.com Gurgaon

    So calculate accordingly. we will wait 90 days minimum for points

    Reply
  111. Aakash

    Flipkart Voucher Not available in Instant voucher section!! on 20 JUNE 7 PM!!

    Reply
    1. Rohit

      bro chill just after checking this website check gyftr.com official site too if that does not haave how can this one have, they are keep getting out of stock so they buy more and then upload it

      Reply
    2. Rohit

      Yes its gone and generally flipkart voucher doesnt come for 2 months odd.

      Reply
  112. Ashwin Kumar

    Any good offers to make electricity bill payment online. I have a bill of Rs. 18000 and have a diners balck card. Please suggest offer on any other card as well.

    Reply
    1. Tejas Ghongadi

      Nothing much you can do with regards to utility payment, except buying Amazon Vouchers on 10X and paying the Electricity bill via Amazon Pay.

      If you have any other card which gives you some benefit for loading Amazon Pay (Like the Amex MRCC & Gold Charge Card), then you can use the combination of DCB and such cards to load Amazon Pay and then pay the bill.

      Reply
  113. Mgadakar

    I recently got HDFC Regalia card. I am new to Payzapp. How to get reward points? Should I pay by Credit card or Payzapp wallet? Does that mean I should load the money in Payzapp wallet and pay via that (Regalia is charging 2.5% for wallet load)

    Reply
    1. Ramesh Kumar

      HDFC won’t give reward points for wallet loading, so use your card during payment.

      Reply
  114. Abhishek N Joshi

    Sid and Readers,
    I got recently upgraded to HDFC DCB from Club Miles in Feb 20. I hold HDFC Saving AC and FD of 5 Lacs.
    My May 20 bill was charged with Annual Fee 10,000/- and 18% GST. I raised concern on phone banking about the annual fee. The lady told that if I would have spent 1 lac in 1st 3 months from the issuance of card, the annual fee would have not been charged, but I spent 99,500/- (500/- less than 1 lac), hence I was charged Annual fee.
    I requested them to get approval for waiver of fee in goodwill keeping lockdown and 500/- difference (Very low).

    What is the chance that it will be waived off?
    Will the GST be refunded too?
    She mentioned that GST will not be refunded. In that case, can I ask to compensate some other way like RW points or voucher of GST amount?

    Your experiences may help.

    Reply
    1. GTMAX

      Escalate for GST refund, keep following up patiently for 1-2 months & you will get it back. However, the bank is making an exception here for you & hence cannot be 100% sure about it as you would not be able to dictate terms to them.

      Otherwise I have always got my GST refunded along with the primary amount for other banking services.

      Reply
  115. Malav

    I didn’t get any points of March,April,may and June Transaction.
    Customer service said our back in team it’s less staff so we will do it soon.wait for 90 days also for flight booking points.

    When u call SmartBuy concierge services and ask about- what is max cap limit DBC so he will answer that before we have monthly 7500 limit but we are increasing limit again now 15000.I told him in website not mention so he said still website not upgrad.even credit card customer care said no any changes in limit.

    Reply
  116. Dr Pankaj Gupta

    I received mail in first week of June that I have achieved monthly milestone for DCB for month of May 2020 and the mail asked to redeem the benefits of GV of BMS/Tatacliq/Ola. However, on logging to my DCB account to redeem these, there are no vouchers seen for month of May. The site only shows expired/claimed vouchers of previous month. This is the first time such a thing is happening. Has any one else also faced this issue ?

    Reply
    1. Rohit

      @Dr Pankaj Gupta
      yes there is a glitch. Just call to the number provided back of the card and they will fix it. Also if BMS vouchers are getting expired then ask them to extend validity. As of now my voucher validity is extended till sep end.

      Reply
  117. Rakesh

    Hi Sid,
    Found in amazon T&C – the monthly limit of Diners Black as 15000 points per month through smartbuy.

    The hdfc smartbuy page says 7500 points. Which is correct?

    Reply
  118. Lavin Bhamblani

    Hi Cardexpert team,
    I have Regalia-AmexplatTravel-Citi Premier-SBI Elite. All of them have plenty of points. Do u think can i redeem them for Amazon Vouchers and use them all together in single purchase? By redeeming them for amazon pay balance first or something like that? Awaiting revert

    Reply
    1. Kiran

      Hi Lavin,

      You can redeem them all from different banks and you would get a e gift card which will add to your amazon balance and you could purchase anything of your choice of the consolidated redemption.

      Hope this helps.

      Cheers,
      Kiran

      Reply
  119. Puneet

    I actually came across your article in response to my shock upon finding out that the 10x program had been diluted. I logged on smartbuy to go to amazon and kept thinking im seeing something wrong because its showed 5x points on amazon.
    I am so disappointed to see this happen and now feel like I missed a good opportunity.
    The smartest way to get points now IMO is to buy Rs.5000/- voucher from their instant voucher section now – it still gives 10X points but limits to Rs.5000/- voucher per month. Is there a way around this?
    What else can we do to get max points?

    Reply
  120. Karan Chawla

    Did anyone get reward points for smartbuy purchases in Feb. Its pending since a long time. Not able to get proper answers from CS.

    Reply
  121. mgadakar

    Is amazon still there in smartly? I see only Flipkart option in Payzapp mobile app.

    Reply
  122. Ritz

    Had a query. Incase I were to purchase the Amazon e-gift card through Smartbuy using my DCB, load the gift card balance on Amazon pay and pay any utility bill from there, would I fetch 5X for the purchase amount of the e-gift card. If so, I intend to divert all my ulitily spends like mobile bill, electricity bills etc. through this route, which I have so far been paying through my DCB. Please clarify.

    Reply
  123. Ritz

    Had a query. Will I be entitled for 5X reward points incase I was to purchase Amazon e-gift cards from Amazon through Smartbuy (over and above the 5K instant vouchers that I get 10X RPs on).

    Reply
    1. MT

      Not as per TnC , but if you are lucky enough , you will get , go for physical cards to be on safer side

      Reply
    2. GTMAX

      No, Read the Smartbuy T&Cs as it clearly exludes this.

      “This offer is not applicable to the purchase of jewellery/gold coins or its equivalents; or purchase of prepaid cards/gift cards or its equivalents; or purchase of flight bookings done on Flipkart / Amazon store.”

      Reply
    3. Rohit

      Few days back someone named chakra said that he has been buying for long and received 10x for gift vouchers through smartbuy amazon. To be on safer side get 5k amazon pay gift card and then buy whatever cards you want.
      By the way i am not receiving any 9x for Feb, march. Will wait till 30 and see what gets credited.

      Reply
  124. FrequentFlyer15

    Good news guys, have heard from an inside friend that Amazon has launched something called a money vault which is available for select users (for now) where you can transfer all the pay balance to bank account for 0 fees (for now).

    The process is simple to check if you are eligible, update to the latest app version from the play store, open Amazon Pay and check near the insurance section, it should show Safegold Digital Vault.

    For the past months I had used 10x for my Clubmiles to buy multiple gyftr Amazon vouchers. Once the vault is open for me, I plan to transfer all of it to my bank.

    Reply
    1. Gaurav

      Looks like digital gold scheme. Here are two downsides to this:

      1) You’ll pay ₹1000 and get gold only worth Rs 970 (3% GST)
      2) Once you sell gold, the sell price is always lesser than the buy price

      Reply
      1. Rohit

        he said money being transferred to bank account not to some gold wallet. Also amazon usa always had an option to move money to bank.I always wondered why tht is not followed in india. Probably amazon india wants to make money out of wallet.

        Reply
    2. Rohit

      I can see only Gift cards below insurance section. So am i not applicable for it ? Should we have amazon pay UPI to avail this ? Does amazon pay transfer to ICICI savings account ?

      Reply
  125. Navneet

    How can one pay electricity bill (above 10,000/-) by Diners Black for BSES, Delhi and earn reward points? Reward points that they had credited for electricity bill, gas bill, prepaid mobile and broadband for last month bill payment by DCB through Payzapp have been reversed.

    Reply
    1. Rohit

      @Navneet
      From past 3 to 4 months i have been adding money to payzap card using dcb and then used to complete payment. Every time i used to get points. Yesterday i have seen a decline of 610 points. Now looks like Bank has reversed payzaap points (have to calculate). Thats very disappointing If that the case why should i use payzaap other than 5% cashback. IF bill is high i can use paytm to pay bill and get 3.3% points.

      Reply
      1. Nikhil

        Why do you load money on payzapp? Simply use your card on payzapp by linking. You will get 5% cashback plus reward points as well.

        Reply
        1. Rohit

          @Nikhil
          CC was added in payzaap but I could find only Payzaap card. Also for cashback it was mentioned as only applicable for Visa/payzaap card and DCB was not mentioned so I did not take any chance.
          Whether DCB also fetch 5% and Points together ?
          Also do we get 5x if pay bills/buy insurance premium through smartbuy–> Amazon .

          Reply
          1. Nikhil

            Try refreshing or trey after sometime, Linked card should be visible in payzapp option. It is mentioned about visa/mastercard in T&C. but I always get cashback even on DCB.
            you would not get 5x if paid bill through smartbuy route. Simply buy amazon voucher & use it to pay bills, you will get 10X. Amazon pay is accepted almost everywhere. You can even use it to buy new insurance policies.

    2. Akshat

      did you ask cc the reason.. the diners page and tnc don’t say anything about points for utility if I’m not wrong.

      Only insurance and wallet spends are curtailed.

      Reply
  126. Ritz

    Update : HDFC customer care has confirmed to me today that any Amazon transaction done through Smartbuy, where a portion of the transaction is paid through voucher/amazon pay balance and the remaining through the DCB card, the amount paid through DCB card will qualify for 5X.

    Reply
    1. Rohit

      @Ritz
      do we get 5x if we pay insurance premium, Bill recharge or buy gift cards through smartbuy–>amazon pay.
      Did any one try this. Also an update LIC insurance is now available in amazon insurance section 🙂

      Reply
  127. shashank

    Throughout this thread I see great confusion about whether purchasing multiple amazon vouchers using different phone numbers (to bypass 5k limit) will give 10x point or not

    Can someone put this to rest as at one end you can earn attractive 9k points over 5k purchases or end up losing even 4k points which one could have earned using normal smartbuy amazon route.

    Reply
    1. Siddharth Post author

      Because its a game!

      You’re not entitled for it, ideally. Loopholes may work at times and if HDFC decides they may close the way, even debit the points.

      So play at your own risk 🙂

      Reply
      1. Sudheep

        Sid
        No way HDFC can debit points afterwards as nowhere in smartbuy t&c its mentioned about amazon/flipkart capping..whereas vouchers purchased via smartbuy are eligible for 10x is in t&c.
        5K limit is set by Gyftr for individual gyftr account., reasons best known only to gyftr. ( may be for meeting account count target-)

        so am also playing.. but its a NO risk game 🙂

        Reply
        1. Rohit

          @Sudheep
          Do you think HDFC would not have share for GV purchased through smartbuy.
          Why Big basket and flipkart doesnt exist frequently. Coz they get sold out and probably HDFC doesnt want that burden. On other hand Pizza hut or Myntra how many of us purchase. So behind the screen HDFC would have statistics what is getting sold more and accordingly they would do business with them.

          Reply
  128. cardexpertfan

    for diners club miles/black,

    can anyone confirm if we get regular 1x reward points for emi/ non-emi transactions done on amazon/ flipkart without smartbuy?

    also what is the deal when done through smartbuy?

    the terms and conditions on the hdfc website are not comprehensive enough!

    Reply
    1. Rohit

      never tried but used EMI for flipkrt through smartbuy and got 9x (previous offer) every month.

      Reply
  129. Surya

    Using multiple phone numbers is a good option. HDFC doesn’t know which voucher you’ve bought since you have Rs.5000 vouchers for Flipkart, Makemytrip, Croma, Myntra etc etc.. In statement of HDFC it appears only as Gyftr. So people go ahead with this option.

    Reply
  130. Shashank

    Since last few days on 3 separate orders I have not been receiving smartbuy amazon confirmation email which one usually gets after a few days of ordering. Is anyone else facing the same issue?

    I have video recordings of those orders, should I contact HDFC customer support now and send these videos OR should I wait for 90 days and check if 5x is not credited then raise an issue and send the screen recording video
    Can anyone who has faced this help to go about it?

    Reply
  131. srikkanth

    yet to get amazon 9x points for the month of march , did anyone receive 9x points for march?

    Reply
    1. MT

      I had called them , they said between 15th and 31st july they will credit , complaint only after 1 aug for march 2020 transactions

      Reply
    2. Rohit

      I did not even get for Feb . Will call DCB concierge on monday. I am not at all happy with bank. Even though to some extent i agree for reduction of benefits for infinia/dcb due to current covid issues but even if they dont give points on time I would say bank is getting too greedy considering their profits of 6k crores.

      Reply
      1. Malav

        Dear Rohit,

        Yes I agree with you bank don’t want to give points and now customers support service also not like before.

        Reply
      2. GCA

        Did you get any response? They have been dilly delaying for over a month now. Giving different dates each time i call them.

        Reply

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