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

By | July 12, 2021
hdfc credit card spend offer - July 2021

HDFC Bank has been rolling out spend based offers on their credit cards since long time. Recently we see that HDFC has become quite aggressive on this as you could see the offers that many received on April, May June 2021.

But now this offer “seem” to have got less aggressive as of July 2021. Here’s everything you need to know:

July 2021 Offer

OfferSpend Rs.XXXXX and get voucher worth upto Rs.XXXX of your choice (Flipkart/Bigbasket/Lifestyle/Myntra)
DurationSpend between 05 July 2021 and 31 July 2021
TypeSpend linked / Targeted
Fulfilmentwithin 90 working days from the offer end date.
T&COffer Source

The offer is similar to previous ones, except that the voucher value got reduced. The target that I received (89K) gives me additional 2.8% on the spend which is over and above the regular rewards. Decent savings!

That aside, there is also an EMI offer bundled in this promo.

  • EasyEMI offer: Transact using HDFC Bank EasyEMI on your Credit Card for Rs.15,000 or above and get an Amazon/Flipkart/Myntra voucher worth Rs.750
  • Add-on offer: Spend Rs.5000 and get Rs.500 voucher.

EMI offer might be useful for those who intend to avail HDFC EMI, but the problem is HDFC EMi rate of interest is very HIGH (even higher for self-employed) in the industry, as seen below:

HDFC Credit Card EMI Rate of interest

For your info, Yesbank Credit card has an offer to convert to EMI or take as cash loan at ~9.9% – that’s the only good thing about Yesbank cards though.

My Thoughts

It’s good to see that the HDFC spend linked offers are getting rolled out often for many lately but with what I see from multiple reports, high value vouchers (like 7K voucher) are not targeted for anyone for July 2021. Hope it comes back sometime in future.

What’s the offer you’ve received on your HDFC Credit Card? 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 wondering where is the creator of this beautiful planet Earth.

75 thoughts on “HDFC Credit Card Spend Based Offer – July 2021 (Targeted)

  1. Gaurav

    Hey Sid – Yours is much better than mine. I got an offer where I get voucher of INR 2k on a spend of 102,000 between the same dates as you mentioned. They’ve possibly considered average spend in recent months and are trying to make you spend more than what you do. Is that the case with you as well?

    Reply
    1. Siddharth Post author

      I couldn’t find any pattern in these offers and that maybe because my spends don’t follow a pattern as well. So its tough to say!

      Reply
  2. Ankit

    How do you get spend based offers? I never have got anything over and above what regular CC users get. Do I need to register somewhere?

    Reply
    1. Siddharth Post author

      Automatically decided by the bank based on various metrics.

      Reply
      1. Manu Kumar

        They have folowed the billed amount , my monthly billed amount is touching 50 k for last few months, the offer I got was 1000 for 49 k…

        Reply
  3. Mugunthan

    (X-posting from Apr-June, thread)

    I got two vouchers offer this month: 5-31 July. Card: Infinia LTF.

    1. Rs.1000 Flipkart/Myntra/Bigbasket voucher for a total spent of Rs.24000/.
    2. Rs.750 Flipkart/Amazon/Myntra voucher for Shop with EasyEMI for Rs.15000/.

    Reply
  4. murali

    I got an offer for Rs.2000 for a spend of 1,52,000 for infinia

    Reply
  5. Aakash Coimbatore

    Vanakam brother,

    I have a HDFC DCB, and this is my 2nd or 3rd spend promo in the last 3 years with this card.
    Since April 2021 I haven’t use much of this card. Like bills of ₹4000- ₹20,000 from March till June!

    Well I just received a SPEND promo,
    I got “spend ₹25,000 from 5th to 31 July and get ₹1000 voucher”

    Reply
  6. Satish Kumar Agarwal

    My offer on DCB: 2000 GV for spending 110000 and above

    Spouse offer on DCP: 750 GV on spending 15000 and above

    EasyEMI offer is same for everyone as per the looks

    Reply
  7. addy

    Never got spend based offer on any of my hdfc card in the last 10 years. Currently holding Infinia LTF.

    Reply
  8. AJ

    I got this on dcb…. 2k voucher on spending 364000. Couldn’t believe my eyes and checked again. But it is this way only.

    Reply
  9. Ravi Sharma

    Where do you see the offers? I don’t see in my email.

    Reply
    1. Kumar

      For those who are like me and don’t see these offer(s) coming in emails/SMS, I generally login netbanking around 15th of the month and check if any exists under offers tab. no wonder RBI put a hold on HDFC due to their legacy IT systems.

      Reply
      1. Mayank

        Same here. I also do the same thing. Generally by 15th they update the offer details. I got the same offer last month and in Apr 2021.

        Reply
  10. DD

    I got an offer of – spend ₹ 20000 to get ₹ 750 voucher on my Diners Club Black card.

    Reply
  11. Rajesh Kodityala

    I received offer of “1000 voucher on 40 K SPEND” on my DCB

    Reply
  12. ashwani

    Got the offer of Rs.2,500/- GV on spends of Rs.2,11,000/-.

    I am again gonna pass this one, and bringing down my spends on Infinia, now that I have StanC Ultimate and i have met the annual spend requirements of HDFC.

    Reply
  13. Krish

    When will HDFC will resume start issuing credit cards again is there any tentive date ?
    I hope our thala will have some information

    Reply
    1. Siddharth Post author

      I’ve high hopes for that to happen this quarter. Let’s see.

      Reply
  14. Umesh

    Last month (Jun), it was 1000 on spend of 56,000 and u availed the offer. For this month (July), it’s 2000 on 264,000…. May be they have increased this as i have availed this last month

    Reply
  15. Abraham Rohith Roy

    I got the offer of 500 voucher on spend of 10k

    Reply
  16. Hari

    Offer on my DCB – Spend Rs.23,000/- and get Rs.1000 voucher

    Also, received a spend based offer on my SBI card today.
    Spend Rs.10,000/- by July 30th and get Rs500 Voucher.

    Reply
  17. The Quintessential Poor

    Spent relatively heavily during the first week of this month and I get like spend 45000 to get a 1500 voucher. Laat month it was 3k voucher for 38000 with no spend in the first week of the month.

    Reply
  18. KK

    I got “Your Regalia Credit Card xxxx comes with a gift voucher worth ₹1000
    To avail, use it for ₹13000 from 5th to 31st July’ 21

    Last time it was a small GV on huge spends but this time it is good.

    Reply
  19. Prashant

    I have unsubscribed from HDFC promotion emails. Is there a way I can enroll back again ?

    Reply
  20. ANIL ISAAC

    Hi, I received the offer for the month of June (7th to 30th June). Get Flipkart voucher of Rs 1500 by spending Rs 37000 on my MoneyBack Credit Card. First time I received this spend based offer, now waiting for the voucher

    Reply
  21. Nandhakumar Varadharajan

    @sid
    1.if business cards not getting spend based offers is true or not
    2.business card holders anyone got spend based offers.

    Reply
    1. Siddharth Post author

      1. Not exactly, but high spends which is usually the case on business cards may prevent.

      Reply
  22. Raja

    I Have DCB since January 2021 &
    I got for July GV 1000 on 32k
    For June it was GV 750 on 20k ( I completed)
    For May it was GV 750 on 30k ( I didn’t complete)

    Reply
  23. Aman

    70,000 to get 2,000 voucher
    +
    15,000 Emi to get 750 voucher

    I think its an attempt at retention rather than reward as these take 3 months to realise by then we would have forgotten about the slashed limits.

    Reply
  24. Mahesh S. Panicker

    Got a 2000 on spending 53000. Probably will have to skip it this time, had managed to meet the targets in the last 3 months.
    I have a question on the fullfillment, do they send SMS or also email for the voucher code? When I was eligible for the Payzapp offer in March, the info was send only through SMS… There is a chance of the messing getting lost due to network and other issue if it is SMS only…

    Reply
  25. AK

    Regalia here- for me I need to spend 18K for a 1K voucher.

    Reply
  26. Sannat

    There was another offer where smartbuy points where accelerated 10x for 50k then 15x for above 50000 spend.
    Points capped 30000 total for Infinia.
    Offer was for 3 days.

    Reply
  27. Deepak

    I can sa most certainly that if a card holder minimises his spend on Diners, he will get a sweet deal from HDFC.
    I am planning to shift my rental payment of 24k to Citi for few months

    Reply
  28. Niju

    I received this on my DCB but gives only 1500 for 71K spends along with the Easy EMI offer which seems to be generic for everyone.

    Reply
  29. Praveen Katiyar

    I got an offer for Rs.2000 for a spend of 2,33,000 for infinia.

    Last month was slightly higher, and I skipped it.

    May also was in a similar range and could achieve it.

    Reply
  30. Yuvaprasath D

    Your Millennia Credit Card xxxx comes with a gift voucher worth ₹3000
    To avail, use it for ₹75000 from 3rd to 31st July’ 21

    Get ₹750 Amazon/Flipkart/Myntra voucher for ₹15,000 shopping with EASYEMI from 3rd to 31st July’ 21

    I want to know, rent pay through cred & wallet loading also consider in this offer?

    Reply
  31. Harsh

    I want to close my current account can i retain credit card on that account.

    Reply
  32. Yuvaprasath D

    I want to know, whether rent pay through cred app and wallet loading will consider in this spend offer….

    Reply
  33. Vishwas

    I got 31000 spend for 3000 voucher from 2 July to 31 July in more than 4 transactions.

    Are international transactions considered for spend target?

    Reply
  34. Praveen M

    Got offer for third consecutive months on regalia, last to last mnth 7k/89k, last month it was 7k/125k and this month 2k on 136k, i have completed first two and current one not soo attractive so no plan to achieve

    Reply
  35. Sreenivas

    Got offer to spend 4L to get 7k voucher last month on my DCB. Spent last month towards various payments and expense.

    This month no offer from HDFC DCB.

    Reply
  36. Keyur

    I don’t understand why diners club uses Mastercard network for credit cards distributed in USA.
    Don’t they have their own network like discover or drivers club? What am I missing, can someone please share?

    Reply
  37. Amar

    Does anyone know if Smartpay spend is counted in such offer threshold?
    Can’t see any such exclusion in the T&C.

    Reply
  38. Mohit Chechani

    I have Regalia First with 4,00,000/- limit.
    Got an offer of Rs 500/- voucher for spending Rs. 10,000/-
    By fluke, I have already made a transaction of 11000/-
    So wating for that coupon!!!

    Reply
  39. suneel kothari

    Hi Sid, This is one of good offer. I got 4.16 % rate on this offer. And in last few month HDFC giving very good offer in the voucher category.

    Reply
  40. Shiv Duggal

    I don’t know why they have kept dates from 05th to 31 July instead of from 01st July. I did a high ticket transaction on 03rd which I could have done on 05th if I would have known about this offer…..they have sent this mail on 06th July to me. Now not interested to spend 87000 for 2000

    Reply
  41. A2Z

    HDFC Bank has also sent sms for XTRA Rewards for spending via Addon cards
    Claim 1) Rs 500 Flipkart/Myntra voucher by using it in-store for RS 5000
    2) Rs 750 Amazon/Flipkart voucher in-store with EasyEMI for Rs 15000

    Reply
    1. Siddharth Post author

      Yeah, got this add-on offer as well today. Updated the thread.

      Reply
  42. Mahesh S. Panicker

    Have a question. Just received the redemption details for the April offer today. But when I click on the ‘Get it’ option and enter the given code in the field and submit, it is saying captcha verification is mandatory. The thing is that there is no captcha on the page! HDFC’s tech system really is terrible! Anyone has any idea how to navigate the same?

    Reply
    1. The Quintessential Poor

      Happened with me too. Desktop mode should do the trick IMHO

      Reply
    2. murali

      the same thing happens to me by using mobile. Later I tried in my laptop in the night and went through to other page by asking which brand coupon and I filled my phone number and email . I selected amazon pay and got stuck. After two days I received the voucher in my phone and in my email

      Reply
    3. Mahesh S. Panicker

      Just to up date my previous comment. Eventually the recaptcha made an appearance as I kept trying again and again. On the 20th or 25th attempt, it appeared. Had further hitches with receiving the voucher, had to get 3 vouchers, only 2 codes arrived on sms and the mail never came. Had to call up Gyftr and they resend the 3 vouchers on both email and SMS.
      Think HDFC is still some away from getting the RBI clearance. Their systems need serious look in. And while at it, hopefully they will also make available the Android and IOS apps to credit card only users as well.

      Reply
  43. Mukesh

    June:
    Use your Infinia Credit Card xxxx for spends of ₹359000 from
    8th June-30th June, 2021 and enjoy a complimentary
    voucher worth up to ₹2000.
    July:
    Your Infinia Credit Card xxxx comes with a gift voucher worth ₹2000.
    To avail, use it for Rs.105000 from 5th to 31st July’ 21
    +
    Get ₹750 Amazon/Flipkart/Myntra voucher for ₹15,000 shopping with EASYEMI from 5th to 31st July’ 21

    Reply
  44. KK

    Any idea if paying bills on Payzapp count towards the spends? I hope these bill payments are considered wallet loading, just in case if wallet loading is excluded for this offer.

    Reply
  45. Saadat

    This is the second time, in my long association with HDFC Bank, I’ve received spend based rewards. Mine is 2000 for 152000, the worst that could ever be. Now I’m content that I don’t receive such offers.

    Reply
  46. Rohit

    500 voucher for 5000 offline swipe between 10th 30 July for DCB.
    I am fed up with dcb. where ever I swipe offline it doesn’t work. Looks like high time for me to swap to infinia. I tried to swipe LIC premium and as usual card was not accepted at offline lic swipe.

    Reply
  47. Utsav

    I received, Get 5000₹ voucher on spend of 90k on my MoneyBack.

    I have got similar offers in the past and I fulfilled most of them in time but never received promised reward… As usual I fulfilled this target too… Hope I get this time.

    Reply
  48. MURALI KRISHNAN

    I also got a GV for 2k on spending limit of Rs.195,000. Crazy Buger

    Reply
  49. Infinia

    I got it as 75k / 1500 on Infinia.
    Also offered an upgraded credit limit (~2x)

    Reply
  50. Naresh

    I wonder why I haven’t received for current month. Been receiving from last 7 plus months

    Reply
    1. Prashant

      Can you share the email from which we receive such offers. I’ve never received one.

      Reply
  51. Rohit

    How long will it take to get voucher if we redeem points for DCB or infinia?
    So that I can get in upcoming Amazon or flipkart sale.

    Reply
  52. Rohit

    How long does it take to get voucher if we redeem points for DCB or infinia?

    Reply
  53. Nirmalya Seth

    Feb:
    You could win a gift voucher worth ₹500.
    To avail, use your HDFC Bank Credit Card XXXX for ₹10000 during
    2nd – 28th February 2021

    Voucher Received.

    April:
    Your Regalia First Credit Card XXXX comes with a Gift voucher worth ₹1500.
    To avail, simply use it for ₹43000 from 7th April to 30th April, 2021

    Spend based Voucher + Rent Voucher both received.

    May:
    Your Regalia First Credit Card XXXX comes with a Gift voucher worth ₹2500.
    To avail, simply use it for ₹63000 from 5th – 31st May, 2021

    Fulfilled, now waiting.

    June:
    Your Regalia First Credit Card XXXX comes with a gift voucher worth ₹3000.
    To avail, use it for ₹107000 from 3rd to 31st July’ 21.
    +
    Get ₹750 Amazon/Flipkart/Myntra voucher for ₹15,000 shopping with EASYEMI from 3rd to 31st July’ 21.

    Fulfilled the 1st one, now waiting.

    Bonus Offer : offers.smartbuy.hdfcbank.com/offer_details/17451
    15th July to 15th Aug
    HDFC Bank brings you the HDFC Bank Online Activation Offer
    Simply spend online across 1 or more below categories and get Rs 200 voucher on each extra category upto Rs.1600:-
    1) Telecom & Cable
    2) Wallet
    3) Online Shopping
    4) Utilities
    5) Groceries
    6) Apparels
    7) Insurance
    8) Government

    Reply

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