HDFC Credit Card Spend Based Offer – Feb 2021 (Targeted)

By | February 3, 2021
HDFC Credit Card Spend Based Offer – Feb 2021
HDFC Credit Card Spend Based Offer for Feb 2021

HDFC bank just sent out the targeted spend based offer for Feb 2021. This is very similar to what HDFC usually does in the past. I received the offer previously for Dec 2020 on Infinia and this is the 2nd offer I’m receiving since past one year.

Offer Details

OfferSpend Rs.XXXXX and get voucher worth Rs.XXXX of your choice (Amazon/Flipkart/Bigbazaar/Bigbasket)
DurationSpend between 02nd Feb 2021 and 28th Feb 2021
TypeSpend based / Targeted
Fulfilmentwithin 90 working days from the offer end date.
T&COffer Source

If you have not received the offer, its worth checking the “Offers” section where the bank mention the spend requirement and details of voucher value.

While I do-not see this reflecting on my offers section this time, it did so in the past, so maybe they will enable it after sometime.

This is unfortunately the only easy way to know if you’re targeted and yet not received the email. Wish HDFC develops a solid system to communicate these targeted offers, like Amex.

This is as lucrative as Dec 2020 offer but we never know how these are targeted. HDFC is quite complicated to predict and it continues through 2021.

Side Note: Amex declined LE to my recent request stating that I’m not using Plat Reserve as much as I should, to avail the LE further.

Did you receive the offer? Feel free to share your thoughts in the comments below.

116 thoughts on “HDFC Credit Card Spend Based Offer – Feb 2021 (Targeted)

  1. Ayush Agrawal

    Yup, received the offer on email. Haven’t received the December voucher yet.
    This time I had a hunch this might happen, hence put off paying my rent on the 1st, glad to see it proven true 😀

    Reply
    1. Amit Kumar Thakur

      Sorry to disappoint but the offer period this time is from 02nd Feb – 28 Feb 2021. So you may not be benefited by putting off the rent payment to 1st Feb.

      Reply
  2. Abhi

    Had got this offer for Dec and Jan, both times from 2-31 dates, nothing in Feb though.

    Reply
  3. Aka

    I never seem to get a spend based offer though I have tried various spend patterns 🙁

    Reply
      1. Manish Pathak

        Will Laoding money through paytm qualify as retail spend as per Hdfc TARGET SPEND offer ? can any body tell me ?

        Reply
  4. Multiple credit card user

    Hdfc is not honouring spend based offer for me, they are not giving promised voucher of August even i have exceeded required spend within offer period, sent multiple emails with proof of received email with offer details and my statement to prove transaction was done more than required amount, they simply reply that their backend team checked and my card isn’t meet required spend, hdfc is not trustable anymore, same thing happened with my friend for August spend based offer

    Reply
    1. Sumit Gupta

      Dear
      It happens in hdfc on many occasions. But please continue to escalate it . I also faced such things in past but after regular escalation got the vouchers. So keep trying.

      Reply
    2. kashyap ranganathan

      happened to me as well, had to escalate it to the principal nodal office and after a lot of back and forth they sent the voucher

      Reply
    3. Rohit

      My part is much funny . Last year there was some spend based offer and i was suppose to get 3 vouchers. In that i got 2 and 1 did not. Even after escalating bank claimed that they have sent it. Looks like some deliberate scam. After that incident I never get anything during extra sales days, or spend based offers etc. Also some 9x were also denied. So i use instant vouchers which works fine. Yes bank is not trustable and will pull of my funds if I dont get LTF Infinia 🙂
      By the way whether November 9x points are credited ?

      Reply
    4. AKKINENI VASUDEVA RAO

      Previously i used money back credit card at that time I received spend based vouchers from last September I upgraded my credit card to regalia first card and doesn’t receive any offer from last 5+ months
      what can I do now…?

      Reply
    5. Amit Kumar Thakur

      One reason I can think of is that you might be holding more than one credit card of HDFC and the way HDFC sends the offer , becomes difficult to know the card on which this offer is given. You might have spent on a different credit card.

      Reply
    6. Taj Dhillon

      It is very true. I had spent 5.7 lac on regalia in an anniversary year but they didn’t honour the offer of 10000 bonus rewards. Escalated to Grievence as well as PNO with statement balances but Single answer your threshold limit not completed. On the card bought iocl xtrarewards with fuel rewards points even after a month still waiting for them. It seems in coming days majority of privileges will be grabbed by these private banks

      Reply
  5. frustrated hdfc cc user

    Never got any spend based offer in my entire history of 10+ years with HDFC :(, though I get my regular emails and marketing emails on my email id. Have talked/emailed to customer care team and they say, it depends and I will get some day (god knows, when).
    Do you guys never use your hdfc credit cards, except during spend based promo? Lol? How about Diners/Infinia card holders? They must be using to get monthly gyftr vouchers for amazon/flipkart? Any tips to make one eligible for these kind of offers? they seems too lucrative and really frustrated of not receiving these.

    Reply
    1. mayank

      Completely agree. All I get is emails to convert my bigger spends to EMIs. that’s it

      Reply
    2. Jentry

      Things that worked for me to receive multiple offers, and even an upgrade from Moneyback to Infinia LTF in a very short time:

      – Decent amount of money in savings/FD. Relatively high salary
      – Applied for the basic card, used it regularly. Didn’t bother about offers/cashback/etc, didn’t spend much, just used consistently for almost all my purchases, which meant that I reliably serve up interchange fees
      – Kept balances low by paying off multiple times a month
      – Used credit limit increases whenever available, but keeping spending to its original low levels

      The trick to getting (or being offered, in most of my cases) a good deal, especially in finance, is when you can prove with demonstrable evidence that you don’t need it, don’t want it, and are unlikely to use it. I see desperation by many people for fancy credit cards and spending offers everywhere in the comments section of this blog, and I believe it is counterproductive. Repeatedly asking your bank for upgrades or offers signals to the bank that you intend to take advantage of the offers, which essentially dilutes their profit margin, unless you’re spending really high amounts which more than offset the cost of offering those rewards. You are costly to them, because you are not the intended target audience most of the time, and you’re taking away valuable minutes from their customer service execs.

      Some people in this sub do spend huge amounts, but the majority would not fall into that bucket. For people who don’t/won’t spend as much, the bank views offers as part of PR and retention, signaling that they are willing to offer good deals to customers because they’re fairly confident that they’re likely not going to take that offer up, or even call them about it (but will hopefully get a good impression of the bank in their minds). Till date, they’ve thrown vouchers, usage rewards, and large loan offers my end, which the bank knows I’ve never used (because I just didn’t need to spend anything, or the specific voucher was useless for me). Given my usage patterns, me taking too much advantage of these offers would be a negative signal for the bank, and I can be reasonably confident that such offers would decrease going further. For large spenders, it would be the other way round; offers will only increase, because the bank would be buying the offers wholesale (keeping costs low), as well as getting the retail interchange fees (which can be very meaty for super-premium cards), meaning that they profit both ways by keeping the customer spending more. And, if the customer didn’t spend much, they got to charge the annual fee anyway.

      For low-to-mid spenders of credit cards, getting really good offers is a function of being cheap for the bank to keep as a customer, and valuable enough to be profiting of you (from card interchange fees, low savings interest rates for relatively large balances kept, little to no risk of default, frequency of transactions not too high or too low, etc). They’ll decide to throw small bones frequently at you from time to time, but if you want, you can wait for the very large bone and take it when available, like the recent HDFC super-premium LTF upgrades, even though the benefits are likely to be short-lived.

      Most of such calculation and decision-making is done by by algorithms (with special events triggered by human management), and given the current state of IT systems at banks, you can expect them to be a crapshoot. I wouldn’t be surprised if intended customers are sometimes not receiving offers, or if they aren’t targeting customers properly.

      My personal opinion is that spending rewards and premium credit cards are essentially a way for banks to make a bunch of money by tricking you into spending more than you need, and/or spending in a way which disproportionately profits the bank more than anyone else. I’d count myself lucky if I don’t get these offers (apart from minor hits to my ego), it just means I’m not being played. Treat offers and rewards as a potential booby trap with limited upside, and you’ll save yourself a lot of headache and regret.

      Reply
    3. Shivi

      Spend less on your credit card for a few months together. These spend based offers are meant to push you to spend more. They won’t come if you are already spending a lot.
      Holding Infinia. Regularly getting such offers from July 2020 onwards. Spends on CC drastically down due to covid & travel restrictions.

      Reply
    4. Bhaskar

      These offer mails used to go to my spam folder earlier. After I fixed that issue, now I get the offer mails. You can also check netbanking after logging in – go to offer section. I have two CC – Regalia First and DCB. Have very large credit limit in Regalia but low limit of 5L in DCB. I get spend based offers for only Regalia First since I use it very less – maybe few thousands for those cases where DCB does not work.

      Reply
    5. Mayank

      lol. nice nick name.
      I also never got any spend based offer for last 7 years. Contacted customer care and RM several times. Every time they say it is as per HDFC internal policy.

      Reply
    6. Kesavamoorthy A K

      Hi,
      Exactly, what you said is right. I never use hdfc card until, I have any offers with HDFC.

      On Oct2020, Dec2020 and Feb2021, I got the mail for spend based offer of 5k for 1 Lakh spend for all 3 months.

      Even, I got the voucher last month for Oct2020 spend. Waiting for Dec2020 voucher. Also planning for February.

      Reply
  6. Varun

    Side Note: Amex declined LE to my recent request stating that I’m not using Plat Reserve as much as I should, to avail the LE further.

    Sorry, whats LE? I am currently negotiating with them on my Plat Charge card renewal fees, any tips?

    Reply
  7. AAJ

    Got 3k on 90k spends – Diners Black
    HDFC continues to reward while Amex Plat is continuing to cheat 😉

    Reply
  8. Siddhartha Tiwari

    Received 3K offer for 1 Lac. I think I will give it a pass.

    Reply
  9. PDX

    Got 3K on 1L spend on DCB. In Dec it was 5k for 1L. Lower, but still something. Did anyone receive December voucher yet?

    Reply
  10. Ankit Saraf

    Got 3k on 1L in Jan. Could not complete. Received again same offer for Feb. Most likely wont again 🙂

    Reply
  11. Shreyansh Soni

    Seems life HDFC has again started giving LTF upgrades
    Got upgrade from Moneyback to LTF Millenia today

    Reply
    1. Manish

      Don’t upgrade in Millenia Card as it sucks a lot in term of cashback points.
      It never give the accurate cashback points and no one is helping at customer care.

      Reply
  12. Akash

    Well going by the comments, mine definitely seems to be the worst – 2.5k voucher on spending 1.3L on Regalia!

    Reply
    1. Shri

      Hi Akash,

      I have a query regarding Regalia reward points conversion to insta vouchers. What is the conversion rate you see on the Rewards portal when you go there via Netbanking? I am particularly interested in Croma and Westside vouchers. If you try buying a Croma/Westside voucher of Rs. 2000, how many rewards points does it ask for?

      Reply
      1. Akash

        Hi Shri, I don’t use Regalia reward points for anything other than flight tickets. I get a conversation rate of 0.5 there. For vouchers I believe the conversion rate will be 0.33.

        Reply
  13. Sachin

    got a 2K offer for spending 110K on my DCB 🙁 also to be completed till 15th Feb in my case…

    Reply
    1. Sachin

      Was eyeing the new Macbook since the launch – made it a sweet deal using my DCB – apple giving 6K off on single payment, 2K off on Croma HDFC offer, 2K voucher and some 10K reward points using a mix of croma vouchers thru smart buy
      Also – allowed me to hit the feb milestone benefit

      Reply
  14. ManzB

    Got the offer of 5k against a spend of 100k. It always reaches the bulk folder. Anyway unlikely to reach the 1 lac spend hence it is a miss for me.

    Reply
  15. Anand Gattani

    I got the offer of spending 43k and getting 2k voucher on regalia first in sep 2020.
    Now upgraded to Regalia in jan 2021 but not received the spend based offer again.

    Reply
  16. Raj

    Hello Siddharth,

    I just got my Credit Card Upgraded from Diners to Infinia. I see you mentioned you have received this offer on your Infinia card.
    I have been regularly (once in 2-3 months) getting these target spend offers on my Diners, just needed to confirm if the same offers also comes on your Infinia Card. I was under impression that Infinia do not enjoy target spend offers.

    Reply
  17. RAJ

    Hello Siddharth,

    I just got my Credit Card Upgraded from Diners to Infinia. I see you mentioned you have received this offer on your Infinia card.
    I have been regularly (once in 2-3 months) getting these target spend offers on my Diners, just needed to confirm if the same offers also comes on your Infinia Card. I was under impression that Infinia do not enjoy target spend offers.

    Reply
    1. Anand Gattani

      Today I got the mail stating that Anand, claim your Rs.2000 Amazon/Flipkart voucher
      use your HDFC Bank Credit Card xxxx for ₹118000 during
      5th – 28th February 2021.

      Reply
  18. Bhaskar

    I got spend 51k to get 3k worth of vouchers Planning to pay my society maintenance advance dues to get this offer.

    Reply
    1. Manav J

      Hi Bhaskar, how do you pay your society maintenance dues using credit card? Through RedGiraffe ??? Can you pls explain, if possible?

      Reply
      1. Sukant

        Through paytm. Your society should be accepting the maintenance charges through paytm. I am paying it for last three quarters

        Reply
  19. Ajai Singh

    Got no offers from HDFC since I upgraded to Infinia. Since I hold a new FYF card I guess their system still will take time to adapt to my spends.

    Reply
    1. Anand Gattani

      Recently I have upgraded from regalia first to regalia and today got the spend based offer.

      Reply
  20. Vijay

    i have never ever got any spend based offer in the last 15 years with HDFC. Although I have an excellent credit history, never ever got such emails. Looks like the prediction model of HDFC needs some good tweaking to ensure it works well with time-series data. Or probably only the outliers get it 🙂

    Reply
  21. Kishan Khedia

    Hi Sid
    Big fan of your blog.
    Can you let me know where is the ‘offers’ section you are referring to in your above post?

    Reply
    1. Siddharth Post author

      In HDFC Netbanking, post login (not sure if it works for cc only customers)

      Reply
  22. Gautam

    I got this offer in Jan. Spend Rs. 1 Lakh and get Rs. 5k GV of your choice. I only accidentally saw the message on Jan 13th. Any other predictable way of finding out?

    Reply
    1. Gautam

      Got this offer in Feb too.. but need to spend 2 lacs to get 3k worth of vouchers. Will pass.

      Reply
  23. Rahul

    Never get any spend based offers from HDFC.
    I am a very regular user with good monthly and annual spend. Its weird as i get mails about other offers but no spend based offer.

    Reply
  24. Karthik N

    I got CLE of 90k on regalia and can see upgrade option enabled to DCB. anyone else getting these offers ?
    I still want to wait infinia. Read somewhere in the blog that opting for DCB might reduce the chances of getting infinia. Is that correct ? 🙂

    Reply
  25. Kesavamoorthy A K

    Hi,
    Exactly, what you said is right. I never use hdfc card until, I have any offers with HDFC.

    On Oct2020, Dec2020 and Feb2021, I got the mail for spend based offer of 5k for 1 Lakh spend for all 3 months.

    Even, I got the voucher last month for Oct2020 spend. Waiting for Dec2020 voucher. Also planning for February.

    Reply
  26. Sachin

    Has anyone got the Spend based offers who have been recently upgraded to LTF DCB/Infina Cards?
    I was recently upgraded to LTF Infnia, but didnt got any Spend based offer in Jan or Feb. Upgraded to LTF Infnia on Jan 2 2021.
    wife has HDFC card and she got spend based offer in Jan & Feb.

    Reply
    1. Sid

      Hi Sachin,
      How did you get LTF Infinia? Could you mention your journey? Like which card you had previously, limit etc?
      Thanks

      Reply
  27. BINU JOSE

    My offer is Rs 2000 for spending Rs 1,77,000…Feb 5 to Feb 28th….Not worth it…

    Reply
  28. Niju

    Got 2k on spend target of 1.1lakh, I guess the hsbc Viss Platinum beats this atleast in my case 2k Amazon Vouchers and further 1.5k cashback on 1lakh spend monthly until March 31

    Reply
  29. Sukant

    Received the offer today to get Rs 2000 voucher by spending Rs 66000 on my DCB between 5th to 28th Feb

    Reply
  30. Nikhil

    Today I received spend based offer on my card first time after diwali (5K amazon voucher on 61K spend). My spends are on higher side in last few months.

    Reply
  31. Rohit

    Whether November 9x points are posted ? I received Oct points on feb 1st..

    Reply
  32. jagadeesh

    I got spend based offer for 2k voucher on spend 161 K with regalia card.

    Reply
  33. ShivaTeja

    Hi SId ,
    got upgrade offer to regalia from millenia card but with same limit.
    1)should i go with this option
    2) at present im holding preffered account which is going to get upgraded to infinia very soon can i expect any change in limit of cc.
    3)MOST IMPORTANTLY i personally love your blog and i was intrested in getting in touch with you via 45 min call option but there wa a note mentioning that call service is not available now . im very eagerly waiting to speak to you .Hope you consider this request,

    Reply
  34. Satish Kumar Agarwal

    750 voucher for 19K spends on my newly upgraded DCB received today.

    Reply
  35. Mahesh S. Panicker

    Got the offer on Millennia, 2000 voucher on spend of 63000

    Reply
  36. Nirmalya Seth

    I do get regular spend based offers on emails for my Regalia First Card. It’s mostly a voucher of Rs. 500 on spending 10k. I do tend to make the most of out it in some way. Last year also I can remember I got offers in Aug, Sep, Oct and Dec and this year in Feb and I did receive those vouchers within 90 days.

    Reply
  37. Deep

    Hi Siddharth, I hold a Regalia card and recently got an offer to upgrade to Intermiles Visa signature card. Although it’s not mentioned whether it will be life time free or not. Can you please give your opinion on the Intermiles Visa signature card? I usually travel a lot (international) but due to covid it’s completely stopped for now.

    Reply
  38. Sachin

    i received BIG basket vouchers worth 1000 today for being eligible for spend based offers on HDFC Regalia during July-Oct 2020.

    Reply
  39. jeevi

    they gave a bad deal to me this time. spend 45k for 750 voucher. I will pass

    Reply
  40. Avijeet

    may sound funny to many of you, but I maintain an excel sheet for HDFC CC Monthly offers & SmartBuy Spend and track it after 90 days billing cycle .. 5 minutes work per month but worth it.

    Reply
  41. AKKINENI VASUDEVA RAO

    Previously i used money back credit card at that time I received spend based vouchers from last September I upgraded my credit card to regalia first card and doesn’t receive any offer from last 5+ months
    what can I do now…?

    Reply
  42. Karthik N

    I got the email for this offer today. Need to spend 1,81,000 for a 2k voucher by Feb end. I will pretend that I didn’t see it lol.

    Reply
  43. Varun Chadha

    hi Siddharth the offer states retail spends , Just wanted to clarify if this will be applicable on Ecommerce or wallets or is it applicable only for physical transactions at stores ?

    Reply
  44. KK

    A question related to HDFC CC but not related to this topic so any help is appreciated.

    My Regalia card is expiring this month and HDFC sent replacements to my office address but our office has moved to a new building couple of years back and I did not realize that HDFC will be sending card to my office address (occasional NetBanking popup was prompting me to confirm my residential is address). The card got returned to bank and they sent a message asking to call Phone Banking for redispatch. it is IMPOSSIBLE to talk to a human at HDFC Customer care so I am wondering if anyone knows an easy way to talk to human at HDFC bank.

    Thanks.

    Reply
    1. prateek

      Call grievance redressal team, or parag raos team. They’ll help.

      When you can’t use the card, its their income loss.

      Hdfc knows this well. Too bad amex doesnt in my experience

      Reply
    2. Srik

      If you have a HDFC savings account, select the savings bank account option in theIVR menu – you will be able to reach a human

      Reply
  45. manoj kumar singh

    I hold two cards DCB-LTF and regalia LTF as well. Regalia i have never used for last 2 years.
    Got offer to get 1k voucher on spend of 20k on my regalia card may be due to no usage and to increase spend. This is first time I got this offer from hdfc whatsapp banking and also in NetBanking page

    Reply
  46. SHIv

    Haven’t received spend based offer for the month of Feb 2021….probably because I already have 7 lakh outstanding bill for Jan, but that should not be the case may be…..God only knows how they target and how they then distribute points…I am still not sure if they will really give vouchers for December spend based offers.

    Reply
  47. Ajai Singh

    Got spend 28k get 750 on Infinia on 12th and active from 5th – 28th. Sadly did main shopping on 1st-3rd “Amazon & Amazon Pantry”

    BTW do EMIs count in these ” New ones”

    Reply
  48. MT

    Anyone got a message in their statement saying please do not use personal card for working capital, funding and business needs ?

    Reply
    1. Rohit roy

      @mt
      I got it which means every one got it. What does that mean preciously? Anyways I don’t even use the card for relatives.
      NO one is answering this – whether November month 9x points is posted. I did not get any message on that.

      Reply
    2. Anshul

      YES, Printed under the Important Information
      on the HDFC credit card statements

      Reply
    3. Shivi

      Didn’t get it. Sis & BiL also didn’t get it. It’s targeted SMS it seems, not bulk

      Reply
      1. Shivi

        Can’t edit my post. Didn’t read your post correctly. Will wait for statement generation & see.

        Reply
  49. Keyur

    Hey Sid, now that Diners black is accepted on PayZapp, I think I’ll just load PayZapp wallet to meet this spend based target. But will I get rewards on that?

    Reply
  50. manoj kumar singh

    Just a quick query. I got offer from nobroker on paying rent in hdfc card for 25000 pm for 3 months. I will get Amazon voucher for rs 2100.
    Also I have got offer for spend based to spend 20000 to get 1000 Amazon voucher. Can my spend on rent will qualify me for spend based offer. As usual t&c says that no two offers can be combined together.

    Reply
  51. Sheela devi Vaishnav

    Can I use my card in this offer insurance premium payment or bill pay etc hdfc spend based offer feb 2021

    Reply
  52. AAJ

    I got 3k for 90k spends during 1-15 Feb and another 2k for 120k spends during 5-28 Feb. Assuming I spend 90k between 5-15 Feb and 30k between 5-28 Feb, would I be eligible for both?

    Reply
  53. Kunjan jain

    Hi,
    I had got an card upgrade offer from regalia first to regalia and my concern is
    1) reward point conversion is 60%. In regalia first i am getting myntra voucher at 0.25 paise per point, anyone having regalia pls let me know what conversion value they get for myntra voucher.
    2) I had touched the first milestone limit of 3lac spend in regalia first where i suppose to get 5000 reward points at year end, if i upgrade to regalia will i get this 5k reward points of regalia first.

    Please help with a reply. Thank you.

    Reply
    1. Raja

      I had my Regalia First upgraded to Regalia about 9 months back.

      1. In Regalia, the vouchers conversion require more points than cash credit back to card so better take the cash credit which is 5 points for Rs.1. There is a cap of redeeming of Rs.7500 which is 37500 points per month or statement cycle. No charges for the redemption. I think for Amazon or Flipkart you need 6.5 points for Rs.1, so take the cash credit.

      2. The Milestone points will be credited on the same statement of achieving the threshold, not at the end of the year. Check your statement and calculate if you received the extra 5k points. Upon confirmation of receipt of the points, apply for the upgrade. All your existing points will be transferred to your new Regalia card but with a reduced ratio of about 6:5 or 5:4.

      The new card milestone starts at zero again and all earlier spends are ignored. The first year is free and you need to spend Rs. 3L to waive the next year’s annual fee.

      Reply
      1. Murali

        For better value on amazon vouchers you can use the smartbuy-regalia portal instead of netbanking. I think the conversion is around Rs 0.3/point

        Reply
  54. ashwani

    get
    a gift voucher worth ₹2000
    From: Flipkart/Amazon/Bigbasket/BigBazaar
    To avail, use your HDFC Bank Credit Card xxxxx for ₹165000 during
    5th – 28th February 2021.

    Reply
    1. SK

      Have others also receive December month vouchers? I have not received the same although I fulfilled the criteria.

      Reply
  55. Eshan Raka

    Have a quick question:
    I have been using HDFC Regalia for the past 5 years. Annual spends have been greater than 6 lakhs. I recently applied for DCB or Infinia but they seem to be too rigid about the 1.5L monthly in hand salary post taxes, most of my job is based on bonuses, they can’t seem to logically accept ITR either.
    It was quite easy to get these cards a couple of years ago, is there any way to get them now?
    I tried the the option of opening HDFC bank account as suggested by one of the customer care guys, but even that got stuck.

    Reply

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