HDFC Bank 10X Rewards Extended + Save 20% more on select spends (December 2019 Update)

By | December 2, 2019

The most rewarding 10X rewards program from HDFC Bank is further extended through December 2019 and on top of that you can also save additional 20% if you shop during Flipkart Festive season. Here’s everything you need to know.

Diners 10X Rewards

  • Valid till 31st Dec 2019
  • New merchants: Ola, First Cry
  • Txns done on both offline stores and Online websites of First Cry and Godrej Nature’s Basket are eligible for 10X.
  • Ola post-paid payment can’t be done via Diners card as of now and hence not eligible for 10X.
  • EMI transactions are not eligible for this offer
  • The incremental 9X Rewards will be posted within 30 days from the end of the calendar month
  • Offer T&C

Smartbuy 10X

  • Validity: Till 31st Dec 2019
  • Upper Cap: 25,000 Points for Infinia | 15,000 Points for Diners Black | Other Diners Cards & Regalia: 5000 Points | All other cards: 5% Cashback upto Rs.1000
  • Upper Cap Reset: Calendar Month
  • This Covers: Flipkart/Amazon via Smartbuy + Flights, Hotels via Smartbuy & Instant Gift Vouchers
  • Reward points or Cashback will be posted within 90 working days from the last date of transaction month.
  • Offer T&C

Double/Triple Dip Offers

  • Flipkart: 10% Instant Discount on HDFC Credit Cards (Max Discount: Rs.1250)
  • Smartbuy Voucher: Get 10% of the spend as Smartbuy eVoucher (Max Discount: Rs.1500)
  • Offer T&C

So basically if you’ve Diners Black or Infinia, you save 33% with 10X rewards and another 20% if you shop on Flipkart via Smartbuy. The number workout to 49% savings on the spend which is well explained by the bank itself. Ref. to the Offer T&C for more.

While the upper caps of these discounts doesn’t sound great, its still worth it if you’re spending in that range.

Note: Don’t forget to go through their exclusions list. Interestingly, even iPhone 11 is excluded.

10X on Uber Premier Rides

  • Get 10X reward points on Uber Premium Rides. 
  • Valid 1st Sept – 31st Dec 2019
  • Offer T&C

Bottomline

HDFC Bank continues to rock the space with its 10X rewards and now when they throw even further discounts and rewards, its tough to resist that purchase.

But remember that some wise men one day said “If you buy things you do not need, soon you will have to sell things you need”, so be careful 🙂

Are you guys still chasing the 10X rewards? Feel free to share your thoughts in the comments below.

91 thoughts on “HDFC Bank 10X Rewards Extended + Save 20% more on select spends (December 2019 Update)

  1. ANAND JAIN

    is there any cap on the usage of Smartbuy eVoucher ?
    Assume I purchase Rs. 15000 in Instant vouchers, I will get 10% i.e., 1500 worth of smartbuy e voucher which can be used to book flight tickets. If my flight ticket is say Rs. 3000, can i use 1500 of e voucher and balance by credit card?

    Reply
  2. Surya

    The 10% SmartBuy voucher will be extra or it is also counted for 15000 Uppercap?

    Reply
  3. Surya

    Smartbuy voucher issued for each transaction ?
    If so, thats a mind blowing offer
    Although its 1300 (since regular 200 wont be applicable), but its a kick-ass offer

    Reply
  4. Ashutosh S

    Hi,

    I have read in quite many replies that 9X points for purchases made on Flipkart through Smartbuy usually reflect within T+2 or T+3 days if made on 4th of the month onwards. If I make a transaction on 1st to 3rd, it will take 3 months. Does this still hold true?
    Also, if I make a transaction on the last day of the month, then will it surely be considered in that month’s quota?

    Thanks in advance for your replies.

    Reply
    1. boomer ok

      mine always take around 3 months if i buy from amazon or flipkart even after asking cc repeatedly,not if i am buying flight/hotel/voucher they are instant , i am holding infinia btw if that makes any difference , interested to see if what u are saying it being after 4th makes a difference or not.

      also we dont get points for redemptions right?

      Reply
    2. Shubhendu

      This doesn’t sound to be true at all! I surely haven’t experienced this. 9X points do take a lot of time to get credited 🙁

      Reply
      1. Sachin

        I always get flipkart 10x points in 5 days or lesser from the purchase date. For Amazon it takes 3 months or so. I am not sure about 4th of the month part though.

        Reply
  5. Ankush Grover

    start date ? i booked few tickets yesterday will the qualify ?

    Reply
  6. Naresh kumar

    The voucher can’t be used when booking with reward points and only 1 voucher can be used in 1 booking.

    Reply
  7. Amit Kumar

    Does that mean booking flights via flipkart is now more beneficial?

    Reply
  8. Prasad

    Hi,
    I am unable to pay using Diners Black on US websites. I tried paying for GRE, TOEFL under the discover option, but it always says that the card number is invalid. Does anyone else also face the same issue or am I doing something wrong.

    Reply
    1. sravan

      load from diners into payzapp and then use it… Most probably it should work. I do the same where diners is not accepted

      Reply
    2. Anoop E S

      I faced this issue 2 years back. I tried paying my CMA (US) membership fee using DCB. At that time, there was 10X reward points on international transactions. But as you mentioned, card was not accepted. Contacted HDFC customer care and they said they are helpless. So had to move to Visa card for making payment.

      Reply
  9. Pankaj Singhal

    Please see the following T&C:
    Not applicable on the following:
    – Select Samsung Mobiles
    – Select Apple watch series
    – GOQii Fitness smart band/Tracker
    – Infinix Hot 8Nokia 6.1 Plus,
    – Realme 5S and Realme C2
    – Redmi Note7 Pro and Redmi 8
    – iPhone 11 and 11 Pro

    Reply
  10. Anil Kumar

    Isn’t the Uber Premier 10X offer for all users? Was it revised to be a targetted offer?

    Just saw the T&C: This Offer is made available to the Customer/s selected at the discretion of HDFC Bank.

    Reply
    1. Anoop E S

      same doubt here. Uber seems to be a targeted offer. Siddharth… pls clarify

      Reply
      1. Nihar

        I did check with CC , Uber premier rides will accrue10X points . Settlement after 90 days of the transaction date.

        Reply
  11. Mayank

    How to use Smartbuy Vouchers? Can these vouchers be redeemed for Flipkart shopping?

    Reply
    1. Mouli

      Mayank,

      No.it can be used only for flight,hotel and bus booking
      When you book flight tickets normally a default coupon would be there which brings down the ticket price by 200,you need to remove that and apply the voucher that you have received
      Effective value of the voucher is 1300

      Reply
  12. Pranab

    @Ashutosh S,
    Flipkart and Gift voucher transactions through Smartbuy, it’s always 1X on T+2 days and 9X on T+3 days (not date specific as you mentioned 4th onward).

    Reply
  13. Sumit

    I have an query, if one purchase 27k product from Flipkart in 3 emis and though SmartBuy portal, how 10X rewards points calculated like for full amount 27k and one month or emi amount and all 3 months.

    Reply
    1. Prashant Gupta

      The bonus points are split and are also posted in the respective emi months

      Reply
      1. Rohit Roy

        @Prashant Gupta and others
        I spoke to Diners Concierge and they said Only to total amount 10x points would be given. I made a purchase of 68k and he said I would get only 10X for 45k and rest 1X And EMI would be converted after 3 to 4 days. Since EMI is for 3 months amounting 23k approx he said reward points would not be split. Also he said No cost EMI will fetch no points. Also somebody said in forum that purchase limit is 50k since its 9x bonus points. Customer care guy said limit is 45k and it is calculated as 10x not 9x. So what all information is true ?

        Reply
        1. Prashant Gupta

          I had booked tickets on smartbuy with emi option there itself. I got the 10X point with the emi in each month.

          Reply
          1. Rohit Roy

            @Prashant Gupta
            Thanks for the time. Still not clear since you haven’t mentioned final amount of flight ticket In my case I made a purchase of 66000 with 3 months EMI making it 22000/ month. Will I still get 10x for remaining Rs : 23000 (considering 45k per month) or I have exhausted the quota for the month. As per costumer care I have exhausted 10x. I have some more purchase to make and I dont want to loose points 🙂

        2. CAKS

          Purchase limit is 50K for Diners Black and I got 1X + 10X(15K) points for Rs50K txn of gift vouchers this Oct and Nov months.
          Customer care people would not know much – may be they often change job/dept – we know much better than them as we keep using card and keep track of offers etc.

          Reply
        3. CAKS

          Call them on different days at different times and see if you get the same reply.

          Reply
  14. Kartik

    Is 10x applicable when we book flights through Flipkart?
    Also, is 10x valid when we pay bills via Amazon pay?

    Reply
  15. Chintan

    Sid,

    HDFC has launched a new credit card named “Best Price Save Max Credit Card” in partnership with Wall-mart India and Diners Club

    Reply
    1. Shivi

      Regalia First is an independent card and Regalia is an altogether different card. Both are issued by HDFC bank.

      Reply
  16. CCFreak

    Seems like a Quadruple dip!!

    Rs.1000 voucher of BookMyShow/Flipkart/Lifestyle & more with HDFC Bank Festive Treats!
    Just spend Rs. 10000 with CreditCard till 31Dec resu.io/FSFA9RW9KQbp T&C

    Note: User specific, i got this for my Sister s Diner miles card but didn’t received this for my DCB

    Reply
  17. Pranab

    @Rohit Roy,
    The Cap is on the Bonus points (9X). I talked with Infinia customer service and she was very clear on this. That’s why 1X on T+2 and 9X on T+3 makes sense.

    Reply
    1. Rohit roy

      @Pranab
      I am using Black card and monthly cap is 15k points . If it is 9x then Spend limit is 50k and if its 10x then spend limit is 45k . I experimented last month for 48k exceeding 3k and i guess i lost that remaining bonus points or should wait for 1 or 2 days an check. Everything was getting calculated perfectly until i crossed 45k. I also got only 30 points instead of 300 for Uber voucher of 1000. Even if you see their official card site it is mentioned has 10x but again in T& C it is mentioned has 9x limit of 15000 points. As of now i lost points for exceeding 45k.
      Any idea on points for EMI ? I have some more purchase to make . Is 9x credited based on EMI value or total value of product which will max out my 9X quota for this month.

      Reply
      1. Abhi

        On the website (Diners Privilege page) it clearly says 9x limit of 15000. Where did you read otherwise ?

        Reply
      2. Mudit

        I have tried this month on month. ALways the limit has been 50k. For sure getting points even after 45k

        Reply
  18. Satyajit

    Ola and firstcry were old diner merchants.
    Why have they being mentioned as new ?

    Reply
  19. Ramki

    Siddharth and other awesome folks in this forum,

    I recently had a very strange experience with HDFC cards and wanted to take your inputs on the same. I have been working for ~20 yrs now and have a relationship with Citibank from my 1st job – have both salary account as well as a credit card with them. I was never into the world of Credit cards so didn’t realise till recently that i wasn’t really getting much love/attn from Citi so decided to explore other banking options. I applied for an ICICI Sapphiro card and was approved and card delivered within 8 days. While that would take care of my Travel benefits, I was still on the lookout for another card when HDFC called me and offered me a LTF Regalia card. Looking at the benefits, I happily accepted and shared all documents/proof. 2 weeks of no communication and then I see my status as DECLINED on their webiste.

    My CIBIL score is 850+, my annual sal is 50 lpa+ & I have opened & closed 1 auto loan (with ICICI), 1 home loan (with HDFC) with 1 home loan (SBI) still running. I have never been declined a loan/credit card or any financial instrument in these 20 years maybe because I haven’t missed any credit card payments or defaulted ever. Why did HDFC decline my card? Is it because I will never make them money?

    PS: I was so worried HDFC or these agents could misuse some of my proofs that I badgered them into returning it. I see the outsourced agency doing verification has cleared all my documents as OK but still I was denied. This has been eating away at me 🙂 Pls help.

    Reply
    1. Abhishek Roy

      There can be very strange reasons for eating rejected. They will never tell you exactly why you were rejected. All you’ll hear is a copy-paste reply that based on the internal policy of the bank we cannot offer you the cards. This happened to me in the year 2014 when I opened an account with HDFC with the sole purpose of taking a credit card. So what I did was I opened a savings account and then went on to apply for Diners Rewardz through my RM. After a few days, I didn’t get any call or anything and I got an email that my application was rejected. The same copy paste reply was given to me. I then called my RM and asked what happened. He saw my application from his back end side and said they apparently called you for verification but you no one answered. I wrote long chat messages to the RM how their team never contacted me again. A person can sometimes not hear his phone while he is travelling and since I couldn’t pick up one time, isn’t the ground for rejection. They should have called once more. So it was the fault of the third party agency that was doing the verification check. So my RM talked to my BM and then forwarded all those chats as attachment in email to the regional head of the marketing and verification team for HDFC Credit Cards. The very next day, I again got a call from the verification agent on field. I was not at home, he just said no need to come home, just tell me the aadhaar card number over phone and send me a pic of the aadhaar card over Whatsapp. I did that. The card was approved within 3 days flat and received it within next 2 days. So HDFC can be strange. Citi bank can be more idiotic. Citi once denied me twice , once the credit card application was rejected based on the fact that I lived in the same campus as my workplace. So except the first line entire address was same. So they rejected saying the home address is same as office address. Next time when I applied, they said we cannot offer you a credit card as you don’t have a corporate/institutional email address. I was working in a state government hospital that time and they don’t provide email IDs to their employees. So I was rejected. After 4 months when I applied again, no such criteria was asked and I was given the card within 7 days. So things can be very strange in India. It can be utter nonsense at times. So don’t wrack your brain on this. Apply after 4-5 months, in al probabilities you’ll be approved.

      Reply
      1. Vineet

        The exact same thing happened with me with citibank. Denied the first time because I was working in AIIMS which doesn’t provide corporate email id. Second time it was rejected because I don’t work in a corporate. So finally applied 6 months later and was immediately approved.

        Reply
      2. Ramki

        Thanks for the very detailed note Abhishek.

        Yes, I got some horrible templatised responses and gave them a piece of my mind. The point about verification brings me to another aspect of this whole process – ICICI called me twice and on 2 consecutive days and i got the card in 8 days. HDFC called me 6 times over a 7 day period (and i missed their call once and on another time, i was in a meeting and i called them back as soon as the meeting was over) and the agents didn’t even talk sense many a time. After the 4th call, I kept asking how many more and they all promised that this would be the last 🙂

        After this experience, I think i will swear off their credit cards. I plan to connect to Parag Rao and tell him to watch out – companies/businesses get disrupted precisely due to such inept & archaic practices.

        Reply
  20. Pranab

    @Rohit roy,
    Today I contacted Infinia Customer Service again for few queries.
    1. 25K RP on 10X or 9X (75K or 83250)?
    IT’S 9X! For 83250 spend, I’ll get 24975 points along with regular 2775 points (1X). He was very much clear on that.
    2. What about Amazon transactions? If I make a smartbuy amazon transaction in the month of Dec, the bonus RP cap is applicable on which month, Dec or Mar?
    It’s applicable on Dec cap.
    3. What about EMI transactions? If I make a smartbuy flipkart transaction of 15K with 3 months EMI in the month of Dec, when will I get the points?
    Points will be posted as EMI posted (means in 3 months).
    4. What about cancellations? If I cancel a flipkart transaction (say of 3000 RP), will my cap reduced by 3000?
    NO, the cancelled transaction won’t affect the cap. But previous month’s order cancellation in current month, won’t increase the cap.

    Reply
    1. Bhavin Shah

      In case of Point No.3, points will be subject to which month’s cap of 25000, transaction month (Dec ) or respective months. In my opinion its should be subject to respective months. But asking just for ample clarity

      Reply
    2. Rohit roy

      @ Pranab
      Regarding the 9x points you are right. Since i booked Uber voucher of 1000 and a flight booking of 9000 on the same day I got a credit of 330 points which made me assume that for uber voucher i got 30 and for flight 1x=300. But after 2 days i again got a credit of 2975 points rather than 2700 hence its calculated as 9x 🙂 Its a shame that the dedicated 24/7 customer care gives wrong info. Regarding flipkart as per other users we get subsequent 10x points for every EMI.
      Does it mean the cap is for EMI but not total amount. I have some more purchase to make and my EMI is 23k and have 27k to spend still left for the month (Cap of 50k) Since this is my first EMI I am really confused whether to take risk or skip the purchase to next month. Dont want to loose points .

      Reply
  21. Mouli

    Seems HDFC is having tough time with its web interface,early this week their netbanking and mobile app were down for 2 consecutive days and now I was trying to book flight tickets through smartbuy but it was not processing yesterday the whole day

    Has anyone facing the same issue?

    Reply
  22. lordsom

    Has the Smartbuy double dip offer expired?
    I’m getting that message from the link posted above (T&C)

    Reply
  23. srikkanth

    will we get 9x points on amazon website through smartbuy when partial payment is done by diners black card and remaining is deducted from amazon pay balance? didnt notice at the time of payment…only realised later..

    Reply
    1. Pranab

      Yes, you’ll get the RP on the amount paid by DCB (Total-Amazon Pay balance).

      Reply
    2. Rohit roy

      @ srikkanth
      Better not to take risk by partial payment. You can use amazon pay for almost everything. For flight tickets i was said that partial redeem and i can get 10x for rest of the balance.

      Reply
  24. Kiran

    Are transactions to purchase Amazon or Flipkart gift vouchers through SmartBuy eligible for 10X rewards?
    I did enquire with CC, but received different answers from different agents.

    Reply
  25. Pranab

    @Rohit roy,
    Are you calling to the regular customer care number? They’re just pathetic to say the least. Hope you’re aware of the Super Premium Card Services (DCB & Infinia). If not, contact them @ 18002663310/18001023310/022-28561443 to clear all your doubts.

    Reply
    1. Rohit roy

      @pranab
      lol i spoke to premium service number 🙂 They just told the opposite. I actually on many occasion was deliberately given wrong info so that I dont avail their service. For several years they never said me to enroll for imperia/ preferred program inspite of me asking them for 0 balance acc and made me keep 25k account. I never knew that we can use debit card at international terminal in india for Airport lounge. I was said that its charged and i wasted lots of money on that. I agree with many here at forum that the service is bad.

      Reply
  26. Siva Kumar

    Hello Siddharth and other members of the forum,
    I am big fan of this website and checkout the website regularly. This is my first post on this website.

    Recently i got hold on DCB card in November (with card number starting 3608) and I have few questions regarding the same. I talked to CC but they have no clue about the same.
    1) I got message from Poshvine wesite for the welcome benefits. When i log on to the website i have noticed option to redeem all the benefits with validity till 26th jan, 2020. I am already a member for some of the benefits like Amazon Prime and MMT double black which can redeemed after expiry of current membership. My question is that if claim the offer now, the coupon codes will expire on 26th Jan, 2020.
    2) I made a purchase on flipkart through Smartbuy using DCB for 48k on 3rd December and I have returned a product worth 3k on 5th Dec( in that same transaction of 48k). I usually receive the 1x points on T+2 days and 9x points on T+3 days. But for this transaction I did not receive the 9X points for this transaction till date. Will I be eligible for 9X points on balance 45k amount?
    3) Will I be eligible for Smart Buy 10% voucher of Rs. 1500/- ??
    Thank you guys.

    Reply
  27. ANKIT

    Hello Sid

    Is there any way to use DCB for payment of NPS (NAtional Pension Scheme) as currently only AMEX/ RUPAY/ MC/VISA are acceptable. Any tricks of using this card through ProtectBuy way of creating virtual card.

    Pl. help

    Reply
    1. Anshul

      There’s no way currently.. You can’t create a virtual card using Diner’s card.
      You may load payzapp using Diners card and use try to use payzapp card on NPS website. However, you won’t get reward points for Payzapp wallet load!

      Reply
    2. pratik

      i think you can select RUPAY and then try to pay as they have tie up with Diners in India. not sure but worth a try

      Reply
    1. abhijeet

      but thats waste.. Coz you cannot apply coupon and pay via Gift card simultaneously…. Talk to MMT or HDFC before buying MMT vouchers.. Complete waste..

      Reply
      1. Ankur Aggarwal

        Hi, it is applicable to flights as well and we are not able to apply card-specific coupons; others we able to I guess

        Reply
      2. George Mathews

        So the math for the MakeMyTrip offer using DCB is something like this.

        For a few hotel bookings i was looking at, the MMT discount code translated to roughly 20%. Instead, by using the Gyftr voucher (with a 5% off), this translates to a maximum discount of 37% (assuming you are ok with point redemption).

        Hope this helps anyone else like me who is looking to make it last minute bookings and are finding SMARTBUY hotels a joke. 😉

        Cheers!!

        Reply
  28. Grey Pilgrim

    Dear Sir,

    I am an avid follower of your blog and absolutely love the work that you do. I wanted a quick suggestion from your side. Yesterday my RM range me up and offered an upgrade to either of HDFC Regalia or Diners Club Privilege card. Which one do you suggest?

    Awaiting your reply,

    Thanks and warm regards,
    Hari.

    Reply
    1. Praveen Katiyar

      @Grey Pilgrim/ Hari,
      Putting myself in your shoes, how I see Privilege or Regalia as a stepping stone to ultimately reach DCB or Infinia. (Go through comments in DCB and Infinia threads if u have time).
      If ur relationship with HDFC is such dat you think u would get invitation for Infinia, den take Regalia.
      Else DCB is easier to get and also fee waiver too.
      With DCB fee equal to Infinia n Infinia’s invite only nature, it’s not easy to answer. Ur relationship with HDFC and ur spending pattern can help me to answer.

      Reply
  29. ANAND JAIN

    IRCTC – Train booking is included as part of 10 X program. Nothing can beat HDFC credit cards…..

    Reply
  30. Ankit

    Hello,

    Train ticket booking also added on smartbuy portal for 10x reward points / 5% cash back. Kindly update the article.

    Good news for frequent train travellers.

    Reply
  31. Bhavya Mehra

    Hello Everyone,

    So i just got my hands on Diners Black today. Thanks to this forum i got aware of this variant. So this is my first credit card, Request everyone to suggest how can i reap maximum benefit starting today itself.

    Thanks
    Bhavya

    Reply
  32. Pranab

    @abhijeet,
    It’s NOT a coupon. It’s an additional 5% discount straightway! So if you hold a DCB/Infinia, it’s 36.67% benefit.
    The restriction is of maximum 3 gift cards that can be used in single transaction in MMT. As the highest value of gift card is 5000, so one can pay up to 15000.

    Reply
  33. deep

    Diners club privilege is better than Regalia. More points in addition to smartbuy you have partners like myntra, swiggy, bookmyshow, ola etc. Plus it comes with privileges like Amazon prime, zomato gold etc.

    Only con is Diners acceptance lesser than Regalia which I think is MasterCard.

    Reply
  34. Deep

    Can anyone please comment when are the 10x points for Diners partners like myntra is getting credited? If purchases made in month of November then by which date in December the 9x points are added? My statement gets generated on 16th so will it come by then or after that.. Please let me know.

    Reply
  35. Rahul

    Flipkart 1x comes in T+2 and 9x in T+3. Same for hotels anf flights through smartbuy.
    Amazon 9x takes about 3 months.

    I got august ones on nov 22 for amazon.
    September ones should come by end of December.

    I have hdfc infinia card.

    My experience with HDFC concierge as well as Infinia helpdesk has been great

    Reply
  36. Mohit Singhania

    Hi

    I cannot find any exclusions as you mentioned…it neither on the smartbuy tnc nor on the amazon tnc…have they changed it by any chance or am I missing something?

    Reply
  37. Ranjeet

    Hi,
    Would you get a double dip, i mean 10X and 8% Amazon prime off on plane ticket booking, if you go to Amazon page from smartbuy and then book the plane ticket there and pay using DCB.
    Has anyone tried that.

    Reply
  38. MSJ

    So i got a Regalia (Visa) Card without even having a proper relationship with the bank.
    I opened an account with HDFC on day T, applied for the card on card-to-card basis (using my CitiBank IOCL(5.75L Limit) and Yes Preferred (7.5L limit) card) on day T+2; and got my card on day T+14 in my hand (4.75 L Limit).
    I`ll need to perform Tx of Rs 500+ ,4 times a month for 3 months, and supposedly it will become lifetime free !
    Now my next thing is to get the DCB after a few months.
    Kindly help me with any pointers, what to do, to smoothly sail into the world of DCB !!

    Reply
  39. Aman

    Reading the 10x Smart buy TnC page:

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

    Seems to be the exclusions I could find for Flipkart/ Amazon. Didn’t find bill payment exclusion Sid…
    Should I check with customer care or go ahead???

    Reply
  40. Rohit roy

    Do we get 10x smartbuy-Flipkart for Pre ordering a product ? Did anyone try that . Can we also do an EMI transaction for pre order ? I have never pre ordered before. Generally wait for reviews and then pick up 🙂
    By the way some one commented that we dont get points for loading Payzaap wallet. I got points for loading so anything changed new ?

    Reply
  41. Ashish Nikhare

    Has anyone used Cleartrip vouchers during redeeming Reward points for Hotel booking on HDFC smartbuy portal (Infinia/Diners/Regalia). Do they get applied ? Where do you find these vouchers ?

    Reply
  42. Prashant

    Hi guys. Has anyone tried to take golf lessons through DCB. How is the process and how much much are the out pocket expenses?

    Reply
  43. Mohit G.

    Hi friends,
    Just got my hands on DCB. Could you please apprise me if DCB should be used for forex transactions. Are diner conversion charges significantly higher than visa and MasterCard. Or is there a workaround/ points make up for it.
    Thank You.

    Reply

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