HDFC Bank adds Gift Vouchers to Smartbuy with 10X Benefit

By | November 6, 2019

As you might know, 10X Rewards on smartbuy has been one of the amazing ways to save money on online shopping, hotels & flights for a while now. This is now getting even better with the new feature on smartbuy portal that now sells gift cards directly.Β 

As some of you might know, its been there for past 2 weeks but I had to delay the post to make sure it actually stays. Its tough to predict HDFC these days as to how fast they change T&C, etc πŸ˜€

With this new feature, we can now get 10X rewards even on purchase of gift cards from various brands, including but not limited to flipkart, amazon, pantaloons & lot more.

How to Avail?

Note: Always goto any offer pages like amazon/flipkart & Gyftr in this case from HDFC Smartbuy page as we never know what/when they’ll change/update/track links in future.

So basically you can buy “almost” anything under the sun with this. That’s 33% OFF on everything, if you hold Infinia or Diners Black (upper limits applicable) as seen earlier.

Hard to Believe, Isn’t it?

Yes, I get that! I’ve checked with Diners support multiple times and they did re-confirm that instant vouchers are also part of Smartbuy 10X program.

A couple of other readers have also reported that they’ve received the 1X & 9X points on gift card purchases.

So its sure that it is working well as of 6th Nov 2019 and just incase if you’re not aware, the smartbuy 10X program has also been extended through Nov 2019 (without any blackout days like in the past).

Whatsoever the case, the thumb rule with HDFC is, whenever there is any promotion with no proper T&C, always call support and get their word before you transact, so that there will be a record to refer in future, just incase if anything goes wrong.

My Thoughts

These days its interesting to note that every brand is getting into all kinds of business where the money is. If you look closer, with the HDFC Smartbuy portal, the bank is getting into many other businesses other than banking, as smartbuy portal acts as a OTA, e-commerce portal and now a gift card company.Β 

If any of these categories on Smartbuy works well for them, who knows, they may even build their own brand from scratch to increase their bottomline.

Whatsoever, this is an amazing opportunity to rack up some reward points for your next vacation. Remember, this offer maybe short lived as you can see where it’s heading to.

Until then, grab the points and stay loyal to the Bank 😊

146 thoughts on “HDFC Bank adds Gift Vouchers to Smartbuy with 10X Benefit

  1. MT

    Got 10x points on smartbuy + 900cashback(linited amazon flight offer) on my current flight booking… will enjoy till it lasts

    Reply
      1. MT

        Probably fellow readers may have maxed out their monthly smartbuy quota already

        Reply
        1. Abhijeet

          Egv cannot be used to buy another Egv.
          How can they track if I am buying egv via egv or not?

          Reply
      2. Ankit

        11nov: now hdfc has removed the amazon and flipkart giftcards.
        Anyone knows when these giftcard available again.

        Reply
    1. Rohit roy

      @mt
      I had no issues with 2k amazon voucher purchased on 6th Nov. I think every customer has a max limit of purchase. But again someone commented that they have purchased 45k gift voucher from Amazon.
      How do we track whether we got the points for amazon voucher and when exactly can we expect. Any options to check in net banking for reward points?

      Reply
      1. Krishna Prasad M

        I purchased 45k Amazon Voucher. I got points credited within 3 to 4 days.

        Reply
        1. Mohammed Murad Gangolli

          What is the validity of the amazon pay vouchers? I have Infinia CC and wanted to know validity prior to purchasing to avoid expiry of vouchers.

          Reply
    2. Sondip

      I bought vouchers for 2k yesterday afternoon…

      and in the evening .. not available…

      very sad… dont know when they wil be available as this would have given us immediate points … instead of waiting for 90 days from the end of the month πŸ™

      Reply
  2. Sourabh

    I didn’t buy Amazon till now doubting if they will honor. Today read your post, confirmed on couple of other websites as well and now Amazon is out of stock. πŸ˜” Being infinia card holder, should have bought 50k Amazon earlier. Useful in all utilities bills and everything else.

    Reply
    1. MT

      they are back for now (as of writing this comment on 8th nov… and you can read in below comments by fellow readers that 10x points are being credited

      Reply
  3. Saurabh

    Maxed out with Amazon Pay vouchers already for this month! 10x points also credited with a TAT of 3 days. Incredible!

    Reply
    1. Rohit Roy

      @saurab
      How did you confirm that you got points for Amazon voucher in 3 days ? Did you get any sms for points. Also is payzapp required for cc 10x points . For debit card it is mentioned that payzapp has to be registered and it would be credited on that.

      Reply
      1. Saurabh

        Access your Account Information through netbanking on daily basis, and keep a track of “RP balance – Current”. You’ll get a hang of it within a week and will be able to track RP postings with the simple 5 RP on 150 for 1x and 45 RP on 150 for balance 9x RPs.

        No SMS notifications. Though I’m registered with PayZapp, but I’m not sure if that affects the 9x RP posting.

        Reply
        1. Rohit roy

          @Saurab
          Thanks a lot. It works. Now i want to know if we buy Amazon voucher for 2000. Then is this correct (2000/150) * 5= Approx 66 * 9 =594 and remaining 1x during statement or we are suppose to get 10x completely . Also what happens if transaction amount is Rd 195 or 800. Generally points are given for every 150 spent so remaining 45 and Rs 50 excess amount how is it calculated πŸ™‚ It is practically impossible to match what we get and what we are suppose to get.

          Reply
          1. MT

            Excess 45 or 50 rs do not accrue points in your example… if you do Rs. 299 transaction , you still walk with 5 points only for the first 150rs , rest 149rs do not accrue points… this is HDFCs system of calculation

          2. KK

            You get 5 points for FULL 150 spent (assuming infinia / DCB). Even on Rs. 299.99 spending, you get 5 points as per 1x. Add 9x, it would be additional 45 points only.

            So for Rs. 2000 spend, it would be 1x = 65 points immediate, and 9x = 585 points later. Total is 650 points only.

          3. Prashant Gupta

            You always get points in multiple of 150. This way it will always match your calculation. If tx amount is Rs195, you get 5 points and not in fractions.

    2. Murthy

      Wondering how could we verify the credit of 1x and 9x reward points before the statement generation? Is there a way?

      Reply
    3. Mohammed Murad Gangolli

      What is the validity of the amazon pay vouchers? I have Infinia CC and wanted to know validity prior to purchasing to avoid expiry of vouchers.

      Reply
  4. Nishith

    Everytime I call the customer care up to confirm a ongoing offer, and no one there has any clue about it.

    Reply
  5. neil

    Does 10x also work if we logon to smartbuy –> amazon–> buy gift vouchers??

    Reply
    1. MT

      probably not if you end up buying gift vouchers/flights,amazon pay wallet reload ,etc… i suggest go via Instant vouchers on the SB portal , many readers (i got 10x for 31st oct transaction) are reporting 10x points being honored , and plus you can get any additional cashbacks which respective websites offer ( i got 450 extra cashback ..i.e 900 cashback – 450 convinience fee) on amazon flight tx on 3 rd nov

      Reply
  6. neil

    I have two queries before availing this amazing offer. Maybe someone who has availed it already can help.

    1. Do we need to log in to the GYFTR website? or just Smartbuy login is sufficient?
    2. Many GV have BOGO where in the get one is a promo code. What exactly is the promo code? is it for the same brand or for some other product?

    Thanx
    Neil

    Reply
  7. Eshwar

    Hi Sid, thanks for the update!

    I had a question regarding combining rewards points in Diners black.

    In November, suppose i buy a flipkart voucher worth 45K I will be eligible for 15,000 points.
    And in January I buy IPhone 11 pro on smart buy using both 45k voucher and 55k as payment via CC, will my net savings be 30,000 points? I wanted to know if we can combine and delay the purchase for extra reward points?

    Reply
    1. Sunny

      You can go for emi option. There is further instant discount on Flipkart

      Reply
    2. Pranab

      For sure. Also why don’t you accrue 33333 points? Nov & Dec: 30K points on 90K, Jan: 3333 points on rest 10K (either GV or through smartbuy).

      Reply
  8. Kishore

    Anybody confirm Money back cards eligible for this 10Γ— points offer..?

    Reply
    1. Murad

      Whats the validity for flipkart and amazon voucher? I am holding Infinia CC and don’t want to get the vouchers expire.

      Reply
  9. George Mathews

    “Buy any ABC Gift Voucher and Get Complimentary Promo Code Free”

    This is what most of the brand vouchers are saying, and almost all primo codes having BOGO in the offer name.

    Does that mean that apart from the 33% points, there is some additional offer on these voucher purchases?

    Anyone who purchased these vouchers pls reply..

    Thanks!

    Reply
    1. MT

      its usually a voucher code for another product… i got 300 rs worth PVR promo code on 31st oct when i bought amazon vouchers …this offer no longer exists for november , but it may be similar for other vouchers also

      Reply
  10. Aka

    On a different issue…would anybody advise what is the best use of payback points…sitting on load of them !

    Reply
    1. Aman

      Do cashback via mobikwik it is the best option u will get ur pac back point into mobikwik cash like paytm cash

      Reply
    2. MT

      most of Paybak redemption options are valued at 0.25 rs per point , from fuel(for ICICI HP card) to bookmyshow to brands , lot of redemption options

      Reply
      1. aka

        yes..it still shall only give 0.25 rs per point…was trying to find out whether there is a way to get more out of payback points !!

        Reply
      1. Ankit Saraf

        Got.. opened flipart page and changed the word flipkart to amazon in the link. Ordered 5K.

        Reply
        1. Mohammed Murad Gangolli

          What is the validity of the amazon pay vouchers? I have Infinia CC and wanted to know validity prior to purchasing to avoid expiry of vouchers.

          Reply
    1. Anurag Goyal

      I can’t see Amazon pay vouchers through instant vouchers link on smartbuy page. I have cleared browser and cookie history and retried.

      Reply
  11. kalyan

    Is the max limit on points applicable to only 10x or total points accrued including normal spends? I have taken 75K amazon vouchers πŸ™‚ Now wondering if I get the normal 5points per Rs150 for my other spends.

    Reply
    1. Neo

      Kalyan,
      The cap is only on the incremental 9X. You will continue to earn the 1X even after exhausting your monthly quota

      Reply
    2. Amann

      Kalan

      10x limit is there as per card per month. For DCB it is 15,000 points meaning spend of Rs. 45,000/-. For infinia, 25,000 points meaning Rs. 75,000/-. 10x includes basic points of 3.33%. You get 9x bonus points after 90 days. This includes all smartbuy transactions.

      Any more than above and you’ll only get 3.33% and no 9x.

      Reply
    3. Mudit

      Leave something for others πŸ˜› πŸ˜› πŸ˜€

      If you used DCB, then you will get 10x till 50k, balance you will get 1x.
      for the balance 25k, actually no use getting from smatbuy as buying from Amazon will also fetch you the same 1x.

      Different story if you have Infinia(83,333 Limit)

      Reply
  12. Surindar

    I have noticed one thing on SmartBuy portal that quite a lot of items are very expensive as compared to their actual rates. For example , I tried to book a very decent Hotel in Mumbai on SmartBuy portal and the rate quoted was 6900 whereas I could book the hotel directly from their website at 3200+GST. Many more similar examples too. Yes, of course , there would be many excellent buys too like IPhone XR etc. Pls correct me if I am wrong somewhere

    Reply
    1. George Mathews

      This is correct. Flights fares are more at par with other websites.. hotel fares u need to compare.

      Reply
  13. Mohan

    This is indeed a great addition to the already most rewarding card portfolio … Just wondering what happens if we cross the 15k for DCB/25k for Infinia threshold for smartbuy transactions? Will we get 1x for the spend above threshold?
    Also the 15k/25k threshold is for 9x reward points or 10x reward points?
    Trying to understand the nuances so that we can maxout on the benefits. Thanks!

    Reply
    1. Neo

      the Threshold is for 9X. and for any spends beyond, you will continue to get 1X.

      Reply
  14. venkatesh

    Both Flipkart and Amazon pay vouchers are not available. Customer care does not have any clue whey will be back.

    Reply
  15. Rohit Roy

    The way these gift vouchers are going looks like 10x for flight and hotel would be gone since people can make more points through flight. Flipkart and Amazon might stay since it makes no sense to give gift voucher but not to shop through smart buy.
    I hope they bring limit to these Amazon, flipkart vouchers πŸ™‚since many are not able to get it.

    Reply
  16. George Mathews

    Bought 5k Myntra voucher and got 1k myntra voucher free. The 5k voucher has a 1 yr validity so can be used for any of the big sales that come. Who knows if Myntra would be a 10x partner then?

    Wish the Amazon voucher would come back. Never got a try at that.

    Ola and uber voucher also seem good; for all those transactions that slip out as they are less than 150/- ( Ola) or non premiere ride (uber).

    Reply
      1. George Mathews

        Hi Gaurav,

        The 1k was a promo code and a bit of a let down.. actual value was rs 300/- off on a Ra 5000/-purchase.

        But no harm done, anyways the idea was to buy and stockpile the Myntra gv code for one of the end of season sales through the year so I’m still quite happy.

        Regards
        George

        Reply
    1. Pratik

      The site says get Rs 1000 promo code. Is it the same as Rs. 1000 GV? I dont think so. Are there any T&Cs for usage for the 1000 promo code?

      Reply
    2. Mudit

      Hey, what is the TnC for the Myntra 1k voucher ? Looks like even if we buy the 500 voucher we will egt the 1k voucher free

      Reply
      1. vishal verma

        Myntra voucher Terms & Conditions

        1.Get upto Rs 1000 off on the Myntra app or website on spends of INR 2500 or more valid till 31st Dec 2019
        2.Valid only on a selected catalogue
        3.Maximum discounts, i.e., product discount and coupon discount, are subjected to product level cap enforced by seller
        4.The code can be used once per Customer
        5.This offer is not valid at any of the alliance partner retail outlets/stores
        6.Multiple coupons cannot be clubbed in a single order
        7.The balance amount, after the discount is availed, will have to be paid by the customer at the time of purchase
        8.In no case, whatsoever, can the discount amount be refunded, encashed or partly encashed
        9.Myntra’s Return and Exchange Policy offers you the option to return or exchange items purchased on Myntra’s application within 30 days of the receipt. In case of return of the purchased item, please refer to the β€œReturn Policy” on the website/ app or call Myntra Customer care
        10.All orders would be subject to availability at the time of purchase and will be governed by the standard terms and conditions listed on the App
        11.All disputes arising out of or in connection to this scheme are subject to exclusive jurisdiction of the courts in Bangalore only
        12.Disclaimers: Company is not responsible for any typographical error leading to an invalid coupon
        Note: – For any help on how to use the voucher please call on 08061561999

        Reply
      2. Rushabh

        It’s applicable only on a special collection with minimum spend of 2500.

        Reply
      1. George Mathews

        Yes Naresh!

        Purchased in advance for end of reason sale. just in case Myntra stops being a 10x partner in the future.

        Reply
    3. Aman

      Ola voucher are applicable before ride and u have to use the full voucher in one ride while uber is the best as the voucher amount is credited to the uber credits and you can use any time any ride. So dont purchase ola vouchers until ur rude is of same amount . Confirmed from gyftr cc .

      Reply
    4. Aryan

      Ola voucher is valid for single use , I bought 1000 and used it for 150 ride and it’s over now πŸ™

      Reply
      1. Raghu

        Ohhhh :(.. Thanks for the tip.. I have bought Uber one for 500 bucks, hope its for multiple usage..

        Reply
        1. ankit verma

          Yes uber voucher is for multiple use. I purchase 4 voucher of Rs 500 each and added to my uber account. It shows Rs 2000 as uber credit. I also have booked two cabs, for which 260 rs were spent and the remaining amount can be used for future rides.

          Reply
        2. Ramprasad G

          Yes. I have purchased Uber GV of 8K (at 3 different points in time) till now & they work for multiple rides.

          Reply
    5. Satish

      Looks like they removed all the gift vouchers. It may not come back like payzapp.

      Reply
  17. Vyom Aggarwal

    The biggest advantage of amazon and flipkart vouchers is that you can double dip with jet privilege.

    Reply
      1. Nihar

        Buy Gift card here – avail 33% rewards . Use these gift cards to shop via the jet privilege shopping link . You will get the JP miles . Few months back used DCB on JP shopping link for Bigbasket to double dip .
        But there’s hardly any value left with Jet privilege now. Its on a slow death.

        Reply
  18. Ankur Aggarwal

    Lifestyle voucher which is valid on homecenter and lifestyle stores is a very good option. For diners black card it is at least 15% discount (if we take cash) and can be used during sales as well. Validity – 1 year

    Reply
  19. PointsPandit

    Amazon and Flipkart vouchers are getting exhausted due to Wedding Season. They make for an excellent Wedding Gift, esp Amazon Pay vouchers, due to their cash equivalent value.

    Reply
  20. Nihar

    Guys the gyftr smartbuy link is ” Under Maintenance ” on 13th Nov morning, wondering if there is more to it !

    Reply
  21. Pranav

    They should add a limit for the vouchers per month then i think justice will be done to all, i doubt the Amazon voucher will ever come

    Reply
    1. MT

      They already have a limit… for card holders the smartbuy limit and smartbuy gyftr amazon coupons are sold out , normal gyftr website is still selling them

      Reply
  22. Prashant Gupta

    Got the reward points in 2 days. Amazing return. Bought Rs7000 ShoppersStop vouchers and git Rs500X4 the man company vouchers and 2300 points 61% return.

    Reply
    1. Prashant Gupta

      Its says no 2 coupons or offers can be clubbed together. Its only 1 time use. No other conditions mentioned. I havent used them yet.

      Reply
      1. Sourabh

        I have many man company vouchers now, i selected soap worth 600 and tried to apply voucher says not applicable on selected product.
        These are promo code and not vouchers. cant find terms and conditions anywhere about how to use them. If some one finds out,please update here.

        Reply
  23. anshul

    is 15000 limit combined for smartbuy amazon/fk etc and smartbuy gyftr? ( or are they different)

    Reply
    1. Anoop E S

      I have the same doubt. Siddharth, pls clarify…

      Since the terms and conditions are specified seperately under different deals, is it like we are getting upto 15000 reward points each for insta vouchers and smartbuy flights.

      Reply
  24. Rohit Roy

    Payzapp is new to me and dcb is not accepted everywhere but they accept payzapp wallet so Do we get 1x points for loading money in payzapp using dcb ?
    Or it’s like we don’t get 1x but get points if we use payzapp wallet for paying gas, electricity, etc. If we don’t get then probably use master/visa card.

    Reply
    1. Suresh

      i checked with cc. No reward points for loading payzapp wallet and using it elsewhere.

      Reply
  25. HC

    Hi Siddharth,
    I hold both Diners black and Infinia. Do I get separate caps for both cards similar to two different consumers holding these cards? I.e. 25K for Infinia and 15K for diners? Does it combine? And hopefully I get the offer for both cards and not just one.

    Reply
  26. Garima

    If we buy uber coupon from amazon u get some off also around 3-7% depending on the offer going on. So better to buy from amazon.

    Reply
  27. Jayanth

    Where do I check whether my 10X rewards have been credited? My smartbuy 10X purchase hasn’t been credited in 20 days..

    Reply
    1. MT

      Account information under enquire tab after you login to your CC account on HDFC website

      Reply
  28. Prashanth Krishnan

    Hi, When will the 15000 reward point benefit of diners black card reset ? Is it the first of the month or as per the dates in credit card statement.

    Reply
  29. DinersIsAwesome

    Have I missed the train? No more Amazon/Flipkart vouchers? Or should I expect them to reappear?

    Reply
      1. Ajay

        Hey MT or sbdy can you confirm if they reappeared after getting over the last week. I have been checking regularly but they haven’t reappeared after few days of Sid posting this thread. May be they came and went away before I could see them. Thanks.

        Reply
          1. Rohit roy

            @mt
            Yes 8th was last I got 2k. I think this month there will not be any more amazon /flipkart due to heavy purchase . I checked with customer care and they said they have no track when and how it gets available.
            Hope its not gone forever.

  30. DinersIsAwesome

    Siddharth, please let me post my comment. I think my comments are getting moderated.

    Reply
    1. Siddharth Post author

      Was away for a week. I don’t see any of yours pending, but just cleared huge set of comments by others today.

      Reply

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