HDFC Akshaya Tritiya Offer – Get 5X Points & 5% Discount

By | May 6, 2019

HDFC Bank has come up with couple of offers for you to buy gold jewellery on this auspicious day of Akshaya Tritiya. Here’s what everything you need to know.

5x Reward Points

  • Get 5X Reward Points on Jewellery using your HDFC Bank Credit Card.
  • Offer validity : 6th May & 7th May 2019.
  • Minimum transaction Amount: Rs20,000/-
  • Max Cap is 5000 RPs
  • Additional RPs will be posted within 31st August’19.
  • Terms & Conditions

Bank tracks the purchase using the MCC code that the jeweller is registered. So it should work well with the big stores.

This is similar to the Dhanteras 10X offer that we had during the Diwali season. So if you’ve any queries, chances are that’s already answered there.

5% Discount Offers

And the offers doesn’t just end with reward points. If you buy with Tanishq or Caratlane, you get additional 5% savings as below.


So if you’ve any jewellery spends this Akshaya Triti, feel free to swipe your HDFC credit cards over others, to get 5% discount on bill + get 5X reward points as per applicable terms above.

Are you planning to go for it? Feel free to share your thoughts in the comments below.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

17 thoughts on “HDFC Akshaya Tritiya Offer – Get 5X Points & 5% Discount

  1. Praveen Katiyar

    Planning to use Caratlane/Tanishq offer today.
    Apart from the above caratlane offer, the Caratlane officer told me over call that there is a 20% discount (irrespective of method of payment) on diamond jewellery.

  2. A2Z

    Problem with merchant category based offers is how do one identify if certain merchant MCC is counted as offer biller and banks will process the benefit!
    It’s time now POS machines and online gateway show beforehand which MCC merchant belong to for user’s ease.

    1. Praveen Katiyar

      Merchants are aware of the offer and just a call away. I called Caratlane to confirm the offer before i visited to have clarity and avoid embarrassment.
      When i visited i saw HDFC merchant services guy visiting the store, may be some issue or general routine visit, during this offer period.

  3. Praveen Katiyar

    By which date we can expect 5X points ?
    I have made a purchase of Rs. 97309 using my HDFC Moneyback card and received only 1372 points. It does not corresponds to 5X. Can anyone help me with this ? I thot I would get 2X immediately and rest 3X later but not able to reconcile. No other transaction done except this.

    1. GTMAX

      You will receive 1x now and incremental 4x points by 31st August. Details of the same are already mentioned by Sid in the article

  4. Mohit

    Wife asked for diamond jewellery shopping and I agreed immediately after knowing 5x offer. That’s like 20% off on diamond jewellery+ 15% approx as points in diners black. Thanks Sid for telling the offer.

  5. A2Z

    HDFC hasn’t credited 5x yet. 31st August over many days ago.
    When raised it with HDFC support, their response came :

    You are not one among winners

    How this spends based offer became contest? From where this winner list concept came?
    These HDFC bank executives need some training to not to harass customers.
    This has become habit of HDFC Executives.

    Have raised it to next level.

    1. Praveen Katiyar

      Same here, haven’t got the points yet. Raised the issu. Good u reminded. Let’s hope HDFC didn’t botch this one too.

      1. A2Z


        Can anyone share screenshot of offer terms as HDFC is denying 5x saying this was not applcable on Jewellery spends.
        Just upload on any image hosting site like imgur or and paste link here.
        As usual they are at their deceiving best.

        1. Praveen Katiyar

          HDFC Akshay Tritiya Offer

          Im my case when they asked me to share over email the email i got.. i shared this image (email snapshot)..
          Again to my surprise, even when they have clearly written for 5x points on image, they failed to see dat when i shared. They again wrote back to me, saying where its written.
          Next time i marked the line on image with big black arrow.

          I would like to report, i got 4x points after few emails.

  6. A2Z

    HDFC Denied 5x stating transactions were done on Addon card & not on Primary card
    Was there any such condition? @Sid

    1. cardexpertfan

      HDFC denied me too to credit the reward points. I fought for almost 2.5 months till the Principal Nodal Officer Level who accepted my argument of offer being not a lottery-type as claimed by them earlier and credited the 4x points. I shared the screenshots of the offer.

      This is my first post in last 1.5 year. Thank you Siddharth for creating this Bible of credit card.

  7. Amar

    Anyone has a screenshot of the T&C from this offer?
    After over a month of to and fro, HDFC says Tanishq transactions are not eligible as mentioned in T&C.
    The T&C link has expired – so if anyone has saved screenshot please share.

    1. Praveen Katiyar

      I have the screenshot, for Tanishq it was 5% discount for trxn done on 6th/7th May 2019.
      Plus 5x points, min trxn of 50,000.
      I request @Sid to please send the shared screenshot with Amar.

      1. Amar

        Hi Praveen/Sid – Got the screenshot, Thanks.
        But this is of the offer page only – not the T&c.
        Please if you can share the T&C page screenshot.


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