HDFC Credit Card 10X Rewards Program (June 2019 Update)

By | June 10, 2019

While its good to know that the 10X benefit on HDFC credit cards still exists, its a shame on HDFC part that they aren’t updating the information on their website on time. And hence neither I got interest in writing about it 😐

With the launch of new portal for all premium & super premium cards in one place, let’s hope they update the content on time going forward. For now, here’s everything you need to know about the latest changes.

Smartbuy 10X Offer

  • Validity: 1st June’19 – 30th June’19
  • 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: Flights, Hotels & Flipkart/Amazon via Smartbuy
  • Reward points or Cashback will be posted within 90 working days from the last date of transaction month.
  • Offer T&C

So that’s a significant change, yet not a major hit I would say. Non-premium credit card holders now need to settle with 5% cashback instead of 10X points.

Diners 10X Offer

  • Extended till: 30th June, 2019
  • Brands: Tata CLiQ, Swiggy, BigBasket, Uber, BookMyShow, SOTC, Furlenco, Treebo Hotels
  • Upper Cap: 2K for Diners Rewardz, 5K for Diners Clubmiles/Premium & 25K for Diners Black
  • Upper Cap Reset: Statement Cycle
  • Points will be posted: in next statement cycle.


So with this update, you can be sure that Infinia is set to get better Upper Cap’s over Diners Black in the future. But even now, you could earn 40K points a month with Diners Black if you max out both offers.

That aside, the offer still holds good as 10X remains. Let’s hope the teaser 5X Offer never comes to reality 🙂

What’s your take on the changes happening to the HDFC 10X reward Points program? Feel free to share your thoughts in the comments below.

Author: Siddharth

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

33 thoughts on “HDFC Credit Card 10X Rewards Program (June 2019 Update)

  1. Surya

    You can actually save Rs.45000 on Diners Black if you Add 5000 reward points for Forex card reload

    1. Surya

      I keep reloading my card every month .. just hope this offer stays for a while 🙂

      1. Subhash

        So basically you load 16,666 in your hdfc forex card and transfer it back to your hdfc bank account?

    2. shushansh

      How exactly does it work? I’m a bit new to this credit card thing, some explanation would be helpful.

  2. Chintan

    I have a diners clubmiles card, my monthly spend is around 90k to 100k, I hope hdfc gives me an upgrade looking at the usage, as I can’t upgraded based on ITR. I used to make a minimum of 15k points Everymonth through smartbuy before, this will definitely change the way I use my card.

    I bought a iPhone XR 2 days back from Flipkart, I could have paid for the same in one stroke but thinking it would generate only 5000 points I opted for EMI for 6 months.

      1. Chintan

        10x is applicable on EMI for Flipkart, Smartbuy Flights and Smartbuy Hotels. You ll earn 10x everymonth for the amount charged on the card.

    1. Pragyan Sen

      If you have applied using no cost emi. You can call customer care and foreclose the emi. That way you don’t have to pay the interest + GST. I use this a lot across my axis, icici and hdfc cards.

      1. Sachin Gupta

        Thanks Chintan. I was not aware that 10X points will be given for each month’s EMI. So, it’s better to go for No Cost EMI and get full reward points each month.

        @pragyan – Couldn’t get what’s the benefit in doing that. Can you please explain?
        I believe in foreclosing the EMI, all amount would be charged at that instant, right? You may not be able to get benefit of 10X points completely.

  3. sanemate

    We were lucky. On 31st May when I checked the site, it was 5000 cap for Diners Black also. They had updated the diners black website on that day itself. Next day they took it away and it now says till 31st May (old page), but now smartbuy page is updated.

    Hope the 5000 cap never comes for black 🙂

  4. Mouli

    I think its right time to move from DCB to Infinia, not much attractive partners to earn 25000 points every month
    Most of my use is in smartbuy only and My current limit in DCB is 6.9L
    Plan to take it to my RM for Infinia. I am a Preferred customer and having 14 years relationship with HDFC
    Hope to get it

  5. Ankur Mittal

    Lets hope they add more redemption option in new platform.

  6. Prashant Gupta

    its still good that they have capped it to 15K points for Black. But for travellers now Infinia makes more sense. I hope i get one of my DCB coverted to Infinia……..

  7. Anurag Goyal

    I your opinion, should DCB members upgrade to Infinia? Especially for customers who use it primarily for Amazon purchases. ?


    Hello siddharth, been following the blog for some time , first time posting though. What happens to regalia first. Is it counted as a regalia variant?

    1. HG

      I had the same doubt too, since my wife has a regalia first, but T&C says Regalia variants are also included

  9. sagar chatterjee

    Btwn the two which one you would suggest DINERS BLACK CREDIT CARD OR CITI PRESTIGE?

    1. Umesh

      My choice would be to go with Diners Black.. However it depends upon your spending patters…

      1. Pagan g

        I meant just Tata cliq or there is luxury site which little different that’s included in 10x diners partner

  10. Kunal

    My dad holds the HDFC diners jet card, which is not of much use now, planning to close this card. Need suggestion on whether to now get diners black or infinia? Which do you guys recommend and why?

    1. Shivi

      If you read the write-ups and reviews of both cards individually, you would answer that question yourself.

  11. Prasanna


    The 10x banner you have added seems to be the old one with Zomato and Redbus listed instead of swiggy.

  12. Anubhav Tyagi

    What about offers on Payzapp? How does it compare with SmartBuy?

  13. aka

    Will UBER used internationally come under the umbrella of uber and generate 10X ?

  14. Ashok

    Now the hdfc diners black site is updated from may to june.

  15. OMKAR

    Hi Siddharth,

    I guess you need to update the list of the eligible products on amazon via Smartbuy as HDFC has recently removed the restrictions on the all the mobiles phones phones. Now the latest list as below:

    Is the Offer applicable on purchase of all products?
    No, the cashback or rewards under this Offer is not applicable on purchase of:
    a) Amazon Pay balance
    b) Amazon Flight Tickets
    c) Gold and Silver coins
    d) Gift Cards including Bank cards (Such as RBL and ticket compliment GCs)
    e) Axis Bank and Joyalukkas Gift Vouchers
    f) Bill Payments and Recharges
    g) Amazon Prime membership

  16. ManzilB

    There is a 10X offer through PayZapp (you need to login to Payzapp and go to the smartbuy through that app) as well similar to the Smartbuy one. Can someone has a better clarity whether that is in addition to the existing Smartbuy portal offer or they are same?

  17. MT

    just booked tickets via smartbuy , they recommended using the old portal ( the one that appears right in front of you on the homepage of smartbuy) for full payment of tickets by card , and to use the dedicated card portal ( under privileges section ) for points+card option… this might change in the future , i just called customer care just to be double sure of not to loose the 10x benefit


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