HDFC Diners 10X Program Changes from 1st Nov 2017 – a Hit or a Miss?

By | November 1, 2017

Note: Please refer to this latest article for updated info:ย HDFC Diners 10X Program Gets Further Extended through March 2018

Ever since the 10X program of Diners Club was launched in India, it has been the eye candy of people like us who try to make the most of it. HDFC has been adding and removing a lot of partners from time to time. But one of the major revamps was when Flipkart Snapdeal and Myntra were removed.

But, everyone was totally okay with the move as a new partner was added in their place which promised to make up for all the loss- Amazon.in. It was a biggest addition simply by the range of items that you could order on the shopping portal, in plain and simple language- Almost Everything!! But it seems the golden days are finally over.

Hdfc Diners 10x Rewards

Amazon knocked out from 10X List: Amazon.in seems to have been removed from the list of partners for the 10X programs as of today (1st Nov 2017). This is a big bummer as a lot of Diners Card holders were big fan of amazon and this deal of getting 10X points made it sweeter every time they ordered things from the latter. To be honest, we always saw this coming. It was bound to be removed because when the Amazon Pay was launched, these 10X points became the new hack for spending and getting the benefit on a lot of other merchants too where amazon pay was accepted.

Changes Eff. Nov 1st 2017: But it seems HDFC Bank has now decided to pull amazon.in off the list for 10X partners. Obviously, most, if not all Diners Club card owners would be surely disappointed by the move considering the fact that amazon is a very reputed e-commerce website among the other e-tailers and this 10X points offer was the icing on the cake.

  • The 10X program has now been extended to 31st March, 2018
  • A new partner “Caratlane” has been added. This partner is also available among the 5X partners with other HDFC Credit Cards. But, with Diners it’ll add 10X points to your arsenal. The points will though get credited within 90 days of statement generation date.
  • Amazon.in has been removed as of now as the 10X partner.

To be honest, even though the validity of 10X program has been yet again increased as was expected till 31st march 2018, still it is sure to leave a lot of readers disappointed due to the removal of amazon.

UPDATE:ย New terms and conditions for merchant “CaratLane”:

  1. Gold Coins won’t be counted for 10X program.
  2. Both in-store as well as online txns on caratlane will be considered for 10X program.
  3. The 9X incremental spends for November 2017 will be credited within 90 days from November 30. However, from 1st December 2017, on any spends on Caratlane except Gold coins, the incremental points will be credited in the very next cycle just like other merchants.

What is your take on this whole change saga? Please let us know about your views in the comments below. What will be your strategy now considering the recent changes that has been made by HDFC bank?

Author: Abhishek Roy

Abhishek is a Doctor by profession and is passionate about Technology and Photography. He pursues his hobbies during the little free time he gets and likes to make the most out of it. He has special interest in Credit/Debit Cards, Reward Points, Air Miles and Travel Hacks.

262 thoughts on “HDFC Diners 10X Program Changes from 1st Nov 2017 – a Hit or a Miss?

  1. Amit

    Last six months were interesting.
    Flipkart gone, Myntra gone, Goibibo gone, Makemytrip gone and now Amazon gone ! So in last six months all major etailers and travel portals are removed from 10x list. These were big tickets merchants. What is left now are lefovers. The only consolation is HDFC Smartbuy offer is valid till 31st December 2017 and still offers an opportunity to accrue 10x points on Amazon. It was good while it lasted. RIP Diners Black !

    Reply
    1. Amex Guy

      I’m not the HDFC fan, or even a supporter, but even I have to applaud their choice of partners over the years. In the festive season, they had Amazon. In wedding season, they have got Lifestyle and Caratlane. Really, in the wedding season, would you spend 75K a month on Amazon or buying clothes and jewellery? And this is India, enough people have made fake Amazon accounts and sent 20K gift cards to each. The real problem with HDFC is give black card to people who are doing manufactured spends, i.e., to non-HNWs. Since they can’t really bring down 25K cap for black card at risk of losing high spenders, they have to cut channels of manufactured spends. it makes total sense. I think Amazon might come back as Smartbuy partner as on that portal, they can exclude gift cards and Amazon Pay purchases for 10X.

      Flipkart, Cleartrip, Yatra remain 10X partners through Smartbuy.

      Reply
      1. Abhishek Roy Post author

        Absolutely. I too agree to the point of manufactured spending. However for people like me, I used to order everything from amazon. So for a person like me, that is a big blow. I think this will vary from person to person but this fall off will really leave a sour taste with many of us.

        Reply
        1. Amex Guy

          I agree with you, because of a few, everyone has to suffer. It sucks for people like us.

          I think the overall move from HDFC in last year are to squeeze out regular people from rewards programs. They are really targeting Premium and Rewards versions. They removed ways to spend rewards which most salaried people would use — bill payments, recharges, movies.

          In the coming years, I think we will see more offers that gratifies their ideal Diners Black candidate. So I expect more of Luxehues, Ethos watches, high end tailors, jewellery shops and dining options being added on while churning Amazon, Swiggy, Redbus style of partners. It makes sense for them, they have 3-4X cards than Citi does and make less money. CC game in India is really for high spenders, and HDFC looses that game big time to Citi and Amex. They already have most of the salaried class roped in, there is nothing to be gained by appealing to them anymore. They aren’t going anywhere, as other companies don’t want them either.

          Reply
  2. Shubhankar

    Flipkart is still an option through smartbuy. Then there are international spends and flight/shopping through smartbuy compare. So, it’s still good.

    Reply
  3. Prashant Gupta

    I have a question in smartbuy compare and shop if i click amazon link for a product and dont buy that product on amazon but some other product, will i still get 10X points ??

    Reply
  4. Aadil Bandukwala

    Completely agree with you Abhishek. Amazon was the single most rewarding partner in the form of 10X rewards for Diners Black. This one partner gave us tremendous returns. RIP Diners Black indeed!

    Reply
    1. Pankaj Singhal

      AMZ was there only for a few months. So not sure why you say RIP.

      It still offers great value covering all major spend needs like entertainment, travel, conveyance, shopping, grocery, jewelry, luxury, food and clothing and the ability to earn upto 60,000 points a month (till Dec 2017, reasonably sure it will be extended).

      I have been able to parlay these rewards into a trip to Singapore for 3 and an upcoming trip to Dubai as well. I think by March, I should be able to generate enough points for another trip.

      In my view, a card still worth having.

      Reply
      1. Ash999

        Btw Mr Singhal, what is the most valuable way of using these rewards points.

        I see you can book air tickets and hotels, but hotels are usually a lot cheaper on cleartrip, MMT and the likes rather than dinersclub website.

        Apart from that there is the HDFC product catalogue, but that is just overpriced junk?

        So essentially air tickets it is, is there any other way to positively use these points rather than just splurge on air tickets???

        I used to have few points prior to Diners, so never really bothered with the best way to utilize them.

        Reply
  5. Majumdar

    Diners Black – Amazon 10X was a deadly combo, no doubt, but let us not forget that it was there for only 6 months. DCB has been having 10X almost continuously since Sep 2014.

    Even without Amazon, DCB still packs a punch. You could still get 25K per month on flights- the easiest way to earn points- through smartbuy. And considering that DCB members would typically be corporate executives earning in the INR 40L- 1cr bracket, they could easily spend 8-10K pm on bigbasket, 8-10 K on Uber, 4-5 K each on swiggy and redbus. So still around 10K per month without indulging in wasteful spending or manufactured spending.

    Of course once could still do some manufactured spend by purchasing gold coins on luxehues or caratlane etc

    Regards

    Reply
  6. Prashant Gupta

    Diners Black is still the best out there compared to other premium cards. Its Just that we got used to Amazon 10x. I myself almost raked up 25K points per month on amazon. We all agree given a choice no one will like to purchase from flipkart but now we will have to for 2 more month, but nothing beats amazon prime and now Alexa too.

    Reply
  7. Rahul

    Of course Amazon will be missed sorely. Personally I am a huge fan of Amazon for their range of products, Customer care & fast delivery.
    Flipkart is still there but half the time they dont deliver to town of my residence i.e. Noida.
    Hope they come up with some consolation program for Amazon like 5X or something.

    Reply
  8. Majumdar

    Rahul,

    That would be a great thing. Even 5X on Amazon would be a great thing. You could buy practically everything under the sun and still get a 15% plus cashback.

    Regards

    Reply
  9. Rahul

    Through smartbuy, can I purchase amazon gift card or any bank prepaid card? In my company, I need to send gifts to client often on corporate budget and during Diwali I gifted almost 50k worth of rbl prepaid cards that I bought from Amazon and this helped me accumulate points as well.. Not sure if I can do this now on smartbuy.

    Reply
    1. Rahul

      Can someone pls help answer my query that is it possible to buy prepaid card using smartbuy?

      Reply
      1. Abhishek Roy Post author

        In short, we don’t know yet. If someone knows anything about this, do share your views and help each other.

        Reply
        1. Rahul Singh

          I was clearly told that gift card and wallet loading from any brand/ platform will not earn even normal points, forget about 10X (Called on 27 Sep, 2017).

          Reply
          1. Prashant Gupta

            I have bought MMT vouchers from Amazon for rs.50000 and Rs.30000. I have received 10X points.

      2. Mahesh NRK

        Hi Rahul,

        I don’t see any option to buy amazon gift card through smart buy :). Unlike flipkart There is no link to open amazon via smart buy. As far as gift card goes, I have purchased that from amazon while it was a 10x partner and I have got 10x points in call the cases. But in smartbuy the 90 days rule make it worse and a gamble.

        Reply
  10. Himanshu

    I was looking for card tips and found this website yesterday. Read some articles and it helped me so much understanding more cards as i am new to credit card thing.

    Have a question i am using HDFC regalia first card for an year. Wanted to get limit enchantment but there are no offers. How to do that? Can i get one more HDFC card though already using regalia first.

    Reply
      1. Rohan

        It’s 33000 for 10gm… outside its 30000. Still after the 33% discount… it’s easy money no?

        Reply
          1. Prashant Gupta

            I bought gold coins on amazon and got the points. Dont know about caratlane.

    1. Puneet Singal

      No, buying gold coins on CaratLane is specifically excluded from 10x program. Refer to the new terms and conditions

      Reply
  11. Garima

    Personally amazon will be badly missed.In case of smartbuy we have to wait for arnd 4 monts to get 9x points.And you never know if devaluation will happen before crediting the points.
    Due to this many people suffered huge loss during august devaluation. So personally i dont like using flipkart thru smartbuy.

    Reply
    1. Mahesh NRK

      They will never credit you the points themselves after 3 months (Now 90 working days Weird!!!). I am still behind them for points from smartbuy which I purchased on July 2017. They have not credited the points yet. CC is horrible. For me Diners Premium is a waste now.
      Question : Had any one else received the points from smartbuy transactions after 90 days.

      Reply
      1. Garima

        Yes i recieved th e points for transaction in may.I recieved last month.They dont credit within 90 days. They credit in the bill whhich will generate after 3 3 3 3 months..So it comes in 4th bill.

        Reply
        1. Mahesh NRK

          Hi Garima,

          Thanks for the confirmation.
          Was it for smartbuy flight etc or Flipkart opened through smartbuy/other shopping through smartbuy
          Also in my case after lot of back and forth they finally agreed that they did not credit the points and the same will be credited by next statement.

          But I still think that this 90 days funda is a head ache. Can never trust them ๐Ÿ™‚

          Reply
  12. Doc

    Amazon is now available through smartbuy. Yes, it will be part of the 25k points threshold for black, but amazon is still very much part of the program. Just two extra steps via smartbuy.

    Reply
    1. JN Nagraj

      Can someone tell me how Amazon is part of Smartbuy? I do not see an option anywhere on Smartbuy to buy from Amazon. The Flipkart microsite is clearly linked, but not Amazon. There is a distinct url for the Flipkart section, but I can’t find one for Amazon anywhere.

      Reply
      1. Abhishek Roy Post author

        You don’t have to worry about that even if there isn’t a dedicated url. This whole business or model depends on affiliate links. When you click on that link, the website itself knows from where you have arrived on the website. So that way all the purchases can be tracked if they have actually been bought after being being visited from smartbuy or not. I talked to the customer care a few days back, for flipkart or any other websites that are linked to smartbuy, they’ll take 90 days to credit the point. So say I purchased something from Flipkart (via Smartbuy), my statement was generated on October wherein that purchase was mentioned, so 90 days from October is the 10X points will be credited in the statement in the month of January. But if you buy something in september from Smartbuy itself, say flights or hotels, then the 10X points will be credited in October itself.

        Reply
        1. JN Nagraj

          Sure, I get that, but is Amazon now officially available under Smartbuy, like Flipkart is?

          Reply
  13. Prashant Gupta

    I am repating question again if i buy some other product from amazon rather than the the product shown in smartbuy will i get points.

    Reply
    1. Abhishek Roy Post author

      It’s difficult to say this at this moment Prashant. If we know anything, we will let everyone know here.

      Reply
    2. Mahesh NRK

      Hi Prashanth,
      No I dont think so. Amazon is not a partner anymore.
      from Now on if you search some product in smart buy, for eg, honor 8 pro you will see an option to buy from amazon. But before taking you to amazon you will be prompted to add your regd. mobile number and last 4 card digits (may be this is how they will track)

      Reply
  14. Mani

    Hi Abhishek. Should we login into Smartbuy before checking out to get the 10x points or Should we checkout as guest? (For any flights bookings, shopping done through Smartbuy)

    Reply
    1. Abhishek Roy Post author

      I don’t think there is any further requirement of checking out as guest as was initially with Diners Club. You can I guess, create an account and login whenever you want to book anything from their website. Correct me if I’m wrong as this hasn’t been tested first hand by anyone yet.

      Reply
      1. Parag

        I wanted to book flights tickets and have the same confusion as nothing was mentioned anywhere regarding logging into account when whole of HDFC Smartbuy was included in 10x reward program.

        I called the customer care and he confirmed me to book tickets as a guest.

        Also, I have done shopping on Flipkart without logging. Hope I get points for it.

        Reply
        1. Abhishek Roy Post author

          I am sure you’ll get points for the direct flight purchases through SmartBuy. I have got mine. But I am not sure when you’ll get points for the Flipkart buy through SmartBuy as I am too waiting for my points to arrive.

          Reply
          1. Ash999

            This is a major hiccup, earlier it was mentioned that purchases need to be made via smartbuy (by not logging in) and continuing onto FK.

            Now I dont know what the deal is, you do get your 1x points in the same statement but I do not know about the 9x, still waiting.

            Unnecessary confusion, I do not understand why is it necessary to not login, I would believe by logging in it would be easier for SMARTBUY to keep a track of your purchases.

            Utterly weird, does anybody have any confirmed news about this??

  15. ND

    Amazon or no Amazon doesn’t make any difference to the Diners Black card holders. Many partners came and went including Flipkart, MMT, etc. fact is there is still avenue to earn 10x on these cards thru merchant partners including smartbuy for shopping and flights. There is no other card which gives 33% back.

    Reply
  16. Vyom Aggarwal

    Is there anyone here who has recieved points for transactions on Flipkart through smartbuy? If yes the when are the points recieved after the transaction?

    Reply
    1. Mouli

      I have also done a transaction in Flipkart through SMarrtbuy in September , waiting for the points

      Reply
    2. Ramesh Kumar

      Based in my experience, reward points won’t be credited until you escalate to customer care(CC). Also make sure you have proof that you made the transaction through Smartbuy, most of the times CC will ask for proof even though it’s stupid, because no provision giving on Smartbuy to track orders(except flights and hotel bookings). Because I knew HDFC CC executives behaviour for several years, I always do video recording or screenshot(with combined logo of Smartbuy & flipkart) of the transactions, so that it can be used as proof. I have escalated for two of my Smartbuy purchases at flipkart and they have confirmed that they’ll do reward points credit for one ticket and another ticket is still under investigation at CC end.

      Reply
      1. Rahul

        Oh.. This is bad.. Especially when hdfc doesn’t show the breakup of how many points credited for what purchase and how many points used for what purchase.

        Reply
      2. Abhishek Roy Post author

        How do you get the points if there was no screen shot taken while placing the order or immediately after placing the order? Is there a way to prove that transaction was done from smartbuy and get those 9X points?

        Reply
        1. Ramesh Kumar

          Maybe possible, if you have your browser history of that transaction. If yes, just open that transaction URL using which you can take screenshot of the purchase with Smartbuy logo with order details and also browser history with date and time act as proof.

          Reply
  17. Jeet

    Please confirm if my understanding is correct. There are currently 3 avenues to earn 10x points –
    1. Smartbuy – includes flight and hotel booking and Flipkart. Earn potential is upto 25,000 per cycle.
    2. 10x partners like BigBasket etc. Earn potential is an ADDITIONAL 25,000 per cycle (?).
    3. International spends. Upto 10,000 points per cycle.

    So in total, a Diners Black card holder can earn up to 60,000 10x points per cycle?

    Reply
    1. Amex Guy

      You can earn 60K bonus points, which are technically 9X bonus. You can earn a total of 66666 10X points in a statement cycle. Points through Smartbuy are a hit and miss, though.

      Reply
  18. Kunal Jain

    Hi, just got a mail today including amazon as 10x partners. Is there any update on this?

    Reply
  19. Majumdar

    How about all of us badgering our RMs to get AMZ back as preferred partner, if not as 10x at least as 5x. We have abt a dozen DCB holders in my office and we are planning to do just that.

    Regards

    Reply
  20. Mahesh NRK

    Hi Guys,

    What do they mean by this condition in their terms?

    “Diners Club Card customers cannot club the 10X benefit with any of the existing programs with the Diners”

    Does this mean that members will get only 10X not 20X. Also max points that can be accumulated is 25000 per cycle. But on diners website its 5000.

    Looks a little confusing to me.

    Reply
    1. Suresh

      Any HDFC credit card will get 10X (max 25k) through smartbuy including diners. all variants. For diners premium, 5k points max if you shop through 10X partners.

      Reply
    2. M Muralidhar

      There is no 20x, that t and c means that you cannot combine 10x with additional diners offers of same purchase but so far I haven’t come across such promotions exclusively for diners. 25k limit is for smartbuy. 25k, 5k and 2k are for 10x partner rewards for black, premium and rewards don’t get confused for each other.

      Reply
  21. Himanshu

    Can’t access my cibil report summary. New to this thing. Can anyone help? Already paid subscription amount.

    Reply
    1. M Muralidhar

      Forward purchase receipt to their customer are, they’ll reply

      Reply
  22. Jaydeep

    Do you think Diners Black points will/can be devalued in the future? I’m under the impression that being a super premium card along with Imperia the chances of that happening are low. What is your take on this?

    And if such a thing happens then can we create a voucher to save the points? And how long will such a voucher be valid?

    Reply
    1. ND

      Hypothetical situation, but a certain event. Change is the only constant. And nothing is impossible. Every bank or issuer have super premium cards and by-invitation cards and they offer very marginal rewards points compared to 10x or 3.33% (non 10x) but users would love to have them. Every card goes thru devaluation. That answers ur query.

      Reply
  23. Prateek

    How are you guys checking whether you’ve received 10x points or not? How to get break up of points credited by HDFC?

    Reply
    1. Amex Guy

      It’s actually pretty easy if you exclusively use your card on 10X partners, which I do. Just check statement for new points accrued, and tally with next statement and see if you got roughly 9X more points.

      It would be a mess if you use it with other merchants as well.

      Reply
      1. Abhishek Roy Post author

        Hahaha… Yes that’s pretty easy. But at the end of the billing cycle, I count the spends on the 10X partners and then calculate the amount of 9 X points I am yet to receive and tally it as per the points credited. Though it seems a daunting task, it doesn’t take more than 10-15 mins a month.

        Reply
        1. Prashant Gupta

          I am maintaining an excel for all the spends. It gets very confusing if uou dont track spends especially on smartbuy and lifestyle. This month i have almost done 60k on amaOm and more than 1L om smartbuy and some international spends. Will be difficult to track but lets see.

          Reply
          1. Mahesh NRK

            Prateek, This is how I check.
            A – On the day statement generated login to HDFC Netbanking and check your points by clicking your card.
            B – After 2 – 3 days of generation, balance 9x points for previous month will be added. Check the same by logging in.
            B-A will give you the 9X points.
            Again smartbuy flipkart points will never be credited by themselves after 90 days. So keep an eye on that and mail the customer care if you think they didn’t post it.

  24. Himanshu

    Have a SBI simplyclick CC. Got in June and my limit is currently 50K have other card too which is Regalia first that as 75K. ( Got in nov 2016).Filling an ITR Of Rs 5 lac p.a. Did end up requesting all banks credit card have no idea about cibil but used bankbazaar and my score is 847. I am just new to cards thing. Wanted cards of citi, SC and amex but they rejected my app.

    Anyone can guide me how to enchance simplyclick card limit and how can I get more cards? Help?

    Reply
    1. Abhishek Roy Post author

      For now don’t apply for credit cards. Wait for 6 months. Get an Official CIBIL score from CIBIL. You are entitled to one free CIBIL Score in a year. And then reapply on the basis of it. Ask the bank if they allow card on card basis application or salary based application. Apply accordingly. In the meantime, try to get your credit limit increased with your existing credit cards.

      Reply
    2. Rishi Gupta

      Hey Himanshu,
      Apply for Citibank Credit card by showing your Pay slips, you will easily get upto 1.5 lakhs of limit in CitiBank.
      Apply this in offline mode.
      After that, use your Citibank CC for a month , then apply for new card- SBI SimplyClick. You will easily get limit of above 1 lakh.
      Worked for me.

      Reply
  25. Saurabh_reader

    2 options I found, both unconfirmed at the moment

    1. When we open Smartbuy in payzapp app , we can see shopclues there : Buy a ticket compliments prepaid card

    2. From Flipkart, buy Malabar gold gift card, visit the shop and buy gold coins using the GC, exchange or return the coins to Malabar gold itself

    Reply
    1. Nikhil Goel

      Bro in shopping option on payzapp, there is further an option of smart buy with 10x offer and shopclues is another option without any mention of 10x offer. It seems like it is only a referral link for shopclues and doesn’t have any link to 10x offer.

      Buying malabar gold GC doesn’t seem a good option since Diners already have caratlane.com as default 10x partner.

      Reply
    2. garima

      Have you used ticket compliments cards before? If yes how is the experience?

      Reply
      1. Nikhil Goel

        No, gift cards are not my cup of tea. For gifting i prefer the actual gifts and for personal usage it seems a lot remembering about the GCs and searching for their card details.

        Reply
  26. Suresh

    Hi, got a new update regarding smartbuy reward point credit. Any transactions done in july calender month, remaining 9x points will be credited by 8 or 10th of november. I got this info, when i tried to enquire about the reward points for the transactions done in August.

    Reply
  27. Abhinav Jain

    Has anyone used the points generated through Diners card. What’s the best way to use them, preferable for high ticket purchases? I recall something related to generating vouchers on the HDFC diners site. Is it related?

    Reply
    1. Abhishek Roy Post author

      Diners points can best be utilized when you buy airline tickets. Try to avoid booking tickets when prices are high. The points are as good as cash so the cheaper deals you get, the better it is.

      Reply
      1. Ash999

        How do you actually use the points?
        Say you want to book an international ticket on smartbuy, using either yatra or cleartrip options?
        what is the procedure, I have never utilized these, therefore I’m asking

        Read somewhere you need to create vouchers etc?
        Is that correct

        Reply
        1. Garima

          For using the points you have to go to diners club website and book flights from their.

          Reply
    2. Pankaj Singhal

      I went to Singapore. Booked 5 months in advance for travel after the Sing GP weekend. Got tickets for 3 at 41K points. (Chennai – Sing). Hotel also on points, around 59K. Some domestic tickets for my parents as well.
      Next Target – any place which can be done in same range.

      Best way to use points.

      Reply
  28. Sulabh Gupta

    There used to be a hack previously, wherein you could literally encash your points by paying a post paid mobile phone bill in excess and then closing the connection, and then you’d get the excess bill submitted as a cheque from the telecom provider.

    Any aviation hackers out here who can reveal a trick or two? I don’t want to forcefully take a vacation just to use my points if there are any other options. Also wouldn’t want to redeem with a voucher with a conversion ratio of 0.5 ๐Ÿ™‚

    Reply
    1. Abhishek Roy Post author

      I won’t suggest doing that. The Telecom company can very well land you into a soup.

      Reply
    2. Majumdar

      Sulabh,

      You can offer to book for a friend or relative at a small discount. You get cash upfront.

      Regards

      Reply
  29. Himanshu

    Thanks anubhav sir. I know my cibil score now which is 764. Last month only have applied for 4 banks CC. All are rejected. Read article about secured credit card.
    My ques is can i open a FD in icici bank and get platinum card which can increase my cibil as siddharth sir written in article? I won’t be applying for any other cards.

    Reply
    1. Abhishek Roy Post author

      Do not apply for so many cards simultaneously. Wait for a minimum of 6 months and apply at only one place. During these 6 months don’t ever default on your payments. You will get the credit card if you fit their eligibility criteria.

      Reply
  30. Vikram

    I never liked Amazon much initially. I used to buy from Ebay and Flipkart mostly. And when they had the 10X on Flipkart I almost dumped Ebay and bought stuff exclusively from Flipkart. And when Flipkart was knocked off I changed over to Amazon and was happy that some etailer was available. Now my only option to earn 10X is Swiggy. That’s sad. I think Lifestyle is still in the list of 10X rewards. Maybe I’ll try to utilize that to the max. But the problem is that certain things like Perfumes will be twice as expensive in physical stores as they are on etailer sites. Need to account those too and see what’s best.

    Reply
  31. Prashant Gupta

    Surprisingly i have noticed that i have received Smartbuy points in next statement. Last month i did 2 transactions on Flipkart worth 45K and i have received the points for that also. Overall i did 95K on smartbuy and flipkart and have received 25K bonus points. According to me only 1 Amazon transactions and international transaction 10X i have not received. I activated Global value also last month and have got the 1% cashback this month even for transactions that i did before activation in the card statement.

    Reply
      1. Prashant Gupta

        Garime i did for 95k but got bonus points for 83k rest normal points

        Reply
        1. garima

          no i mean to say how u manage to spend 95 k on smart buy, like on amazon their was many gift voucher and prepaid card options but on smart buy primarily flights and hotel are their.SO i was askng how u spend so much.

          Reply
          1. Prashant Gupta

            Ok. So i bought apple watch from flipkart and booked 1 international ticket for Rs.53K.

    1. Puneet Yadav

      You got Black or Premium? HDFC not crediting more than 5k RPs in my account. I got premium. Despite spending 41k

      Reply
      1. Amex Guy

        5K is the limit for premium. You need a Black card to get more than that.

        Reply
  32. JN Nagraj

    I’ve been trying to make a hotel booking for February 2018 on Smartbuy and it says no hotels are available. It does show me results when I change the dates to December 2017, though. Odd.

    Reply
    1. Narinder

      It happens some times even with other sites like MakeMytrip, it depends on availability of hotels…

      Reply
  33. Blah

    @All.

    Check your accounts :

    HDFC has done major re-concillation and removed thousands of points without any reason

    Reply
      1. Mahesh NRK

        Me too. I have same points. Did you get any refunds for big amount. When the money is refunded, they will remove the points credited aswell.

        Reply
    1. Prithivi

      In my HDFC DCP account, some 11k odd points have been removed. When I enquired phone banking about that, they told “you have redeemed those points in HDFC e-Gift vouchers”. I have never redeemed as such and hence I raised the complaint for that. But I did not get proper reply from customer care officer and hence escalated the complaint. I have yet to receive the reply from escalation team. Did you raise any complaint and got reply?

      Reply
      1. Prashant Gupta

        Here is the update. I made payments to a merchant worth Rs.25K through Paytm. I got the point the same day but next day they reduced the same points. Also i have been noticing that 5-10 points are reduced now and then. I called up customer care and they told me any transaction involving wallet will not earn points even if they are used to directly pay merchants. Had i known this i would have saved 1000 points i.e. 1000Rs. This is insane from HDFC.

        Reply
        1. Abhishek Roy Post author

          I have stopped using Paytm through HDFC from the day they brought that rule. I use Yesbank cards with Paytm now.

          Reply
          1. Sanemate

            Just today I bought an item from ebay.com and paid via Paypal directly. Will they count this as wallet purchase too? Cause if they do, I will cancel and pay using card directly on eBay.com without going to Paypal

          2. Abhishek Roy Post author

            No. Paypal is not counted as wallet. Transactions through PayPal are considered valid retail transactions. Rest assured that you will get 1X points for now and the rest 9X points (If you have Diners Card) within 90 days of the statement cycle.

        2. Mouli

          I also faced this issue after escalation and follow up they credited back the points for Paytm transactions

          Reply
  34. Satish Agrawal

    This website n forum is a must read for credit card lovers. I recently joined this forum. You all are doing great job for new credit card seekers.

    I want to know if HDFC provides Diners club Black credit card to their Preferred customers even if their salary is 1 lac, whereas eligibility criteria is 1.75 lacs per month.

    Reply
  35. Ravi

    I used my Diners card today at a Max store (clothes) and the SMS said the amount was spent at “Life Style”. Is this the same Lifestyle that has the 10x offer? Will I get the 10x points for this purchase then?

    Reply
  36. blah

    @Everyone, who had redeemed voucher and not used it and got equivalent points. They have reconciled and debited the points . Insane
    Example : Before devaluation pt worth was 75p so if 10000 pts were used for 7500 voucher and it got untilised, they must have credited points worth 7500 under new value of 30p ie 22500. now they are deducting the rest ie deducting 22500-10000 points from your latest statement !

    Reply
  37. Abhishek singh

    Is gold coin purchased through smartbuy-> Flipkart is eligible for 10x or not?

    Reply
  38. Abhishek singh

    Is gold coin purchased through smartbuy flipkart eligible for 10x or not?

    Reply
  39. Ashutoshkumar

    Have spoken to customer care, coins purchased from flipkart are eligible for 10X points. I’m more worried about flipkart, the coins are not returnable and can’t be refunded. So if you get a fake product, you’re on your own.

    Reply
  40. Rahul Singh

    Hey friends,

    As someone posted, I had the same exp for 10X. I made a transaction just 2 days before the statement date and I received 10X 2-3 days after statement generation – INCLUDING transactions done through SMARTBUY. No calculation error from HDFC (I made rough calculation however).

    Love DB card.

    Reply
    1. Garima

      No for me incremental reward point are posted only for transactions done in October .When I called customer care they clarified about the terms and conditions where it is mentioned that Incremental 9X Reward points for txns in Nov’17 will be posted within 90 days from Nov 30th. For txns from 1st dec’17, incremental 9X Reward points will be posted immediately after the statement is generated.

      Reply
  41. nithish

    guys is purchasing at AMAZON.com
    (US SITE) make us eleigibile for diners international spend?

    Reply
    1. Abhishek Roy Post author

      Yes. But make sure you do not use currency conversion facility by amazon.com. They have inflated rates and you will be charged in Indian currency. So avoid using that service. Instead pay in dollars by choosing to pay in local (USA $) currency.

      Reply
  42. vyom aggarwal

    it has been more than 90 days but still not recieved the points for the transaxtion i made on flipkart smart buy.
    have written to them several times but no satisfactory response??
    any suggestions

    Reply
    1. Mouli

      Thats the way HDFC works. For all bonus points you need to track and follow them aggressively through email and call .No other go, If possible escalation through your RM also

      Reply
  43. Puneet Yadav

    Guys. I made an payment of 41k on flipkart via SmartBuy for which I should get around 11k RPs. However, HDFC has credited only 5k RPs saying thats the max you can earn on Diners Premium per month is 5k! Is this correct ? The Smartbuy website mentions max RPs at 25000 per month.

    Reply
  44. Mouli

    Yes there is cap limit for each card variant, Plz refer below it’s there in place for more than 4 months

    HDFC Bank Diners Rewardz Card – 2,000 reward points
    HDFC Bank Diners Premium Card – 5,000 reward points
    HDFC Bank Diners Black Card – 25,000 reward points

    Reply
  45. Prashant Gupta

    Another exciting offer from HDFC check out smartbuy

    5% Cashback for Add-On customers on In-Store transactions done on weekends at Apparel Stores and Restaurants
    Valid only for retail In-Store (POS) transactions done in Apparel stores and Restaurants.
    Valid only for transactions done on weekends
    Offer Valid from 20th Novโ€™17 to 31st Marโ€™18

    Reply
    1. Parag

      I don’t find any T&C for weekend. It is application on weekday also.
      Maximum Reward Points under this offer is 1000 per month

      Reply
    2. Parag

      I think it is different offer:
      1. 5X Reward Points for HDFC Bank credit card Add-On customers

      2. Valid only for retail In-Store (POS) transactions done in Grocery, Department Store and Supermarket.

      3. Offer Valid from 01st Oct’17 to 31st Dec’17

      4. Valid on HDFC Bank Retail Credit Cards only

      5. Offer not valid on IVR transactions

      6. Offer not valid on cash withdrawl, Dial an Emi, Cash on Call, EMI, Balance transfer

      7. Maximum Reward Points under this offer is 1000 per month

      8. Reward Points for eligible customers will be posted 90 days after the transaction month.

      9. Offer is valid only on transactions done through Add-On cards (and not Primary cards)

      Reply
  46. Mouli

    I tried to book in yatra through smartbuy but there is no option to navigate to yatra.Has anyone tried ?

    Reply
    1. Abhishek Roy Post author

      You cannot go to Yatra directly. When you try and book flight tickets, you’ll see choices between which partner to chose. Say Cleartrip and Yatra price for each flight. From there you chose which partner you want the tickets to be purchased from.

      Reply
      1. Mouli

        I have some coupon code for yatra, so If I try booking through smartbuy then I can’t use that code , rt?
        I saw an option compare and fly is that the one that you are referring to ?

        Reply
        1. Abhishek Roy Post author

          Yes. That is the option I’m referring to. No, you won’t be able to apply that coupon.

          Reply
  47. Manav

    HI,
    I have a query: on smart buy I see option to buy from amazon.in. I choose that and go ahead to buy.
    Also separately there is HDFC cashback offer going on. So will I get both 10X point + cash back?

    Manav

    Reply
    1. Abhishek Roy Post author

      It’s a bit difficult to say. You’ll have to ask Customer care and please let us know here too.

      Reply
    2. JN Nagraj

      Where is it that you see the option to buy from Amazon via Smartbuy? Could you post a link please?

      Reply
  48. Majumdar

    Not strictly on topic, but still maybe useful. My DCB statement came yesterday and I got 10X points on Amazon transactions in addition to the JP miles I had got on the same purchases, confirmed by Jet Privilege by mail. So double dip works!!!

    So guys make sure to do purchases on Bigbasket, Amazon et al through the JP website.

    Regards

    Reply
    1. Garima

      Oh That’s great. I regret why I did not know this while Amazon was 10x partner as I spend around 60k for 3 months on amazon.
      Now the only thing which I am using is big basket.And maximum spend monthly is around 3k only.

      Reply
    2. Sanemate

      Woah, thanks! Didn’t know about the JP tie up with these sites. Missed a lot of JP miles! How long has this offer been in place?

      Reply
      1. Abhishek Roy Post author

        This offer was always there and works on the line of affiliate commision

        Reply
        1. Garima

          How everyone comes to know about such awesome tricks to earn RPs. Is der any watsapp group for DCB card holders.

          Reply
          1. Abhishek Roy Post author

            Hahahaha!! You made by day. Couldn’t stop smiling. No. There isn’t any group. It’s just that people like us who are a little ‘money saving freaks’ hunt down legal ways to save more. And because of this forum we all share our little knowledge with each other. And don’t worry Garima, we’ve got your back. You can count on this forum to help you save more with each passing day. Cheers.

      2. Prashant Gupta

        Me too. Did more than Rs.1.5 L on amazon missed so many jp miles.

        Reply
    3. chalam

      You are proceeding and purchasing through Jetprivilege website and not from Smartbuy. So how you are getting 10X REWARDS ?

      Reply
  49. Rahul Singh

    Hi.
    Can’t find amazon offer or add on (5x) wala offer. Tried a lot on smart buy or diners websites.

    Can someone please post a link?

    Reply
    1. Abhishek Roy Post author

      It’s an individual offer the link of which is emailed to the add on card holder directly.

      Reply
      1. Rahul Singh

        Whoa
        So quick reply.. Thanks.

        And what about amazon through smart buy?

        Reply
        1. Abhishek Roy Post author

          You go to compare and buy. Find the product that you want to buy. See at bottom of the prices of the item across all websites have been displayed or not. If Amazon is listed, use that link to visit Amazon. I don’t know if you’ll get 10X points or not but you should as per their terms and conditions.

          Reply
          1. Majumdar

            Dada,

            It seems you will- if you go thru smartbuy/Compare and Shop. But when you shop you have to give your RMN and last four digit of your HDFC card.

            Regards

    2. Malavkumar Patel

      Add On 5X offer is listen on SMARTBUY, Even i was not able to see the offer initially, I had to look properly among hundreds of offers.

      Reply
  50. Puneet Singal

    Considering buying gold coins on CaratLane Lane is specifically excluded from 10x program, can anyone advise whether I should do it from Luxehues? Has anyone purchased stuff from them? I did some Google and found lot of sites with people complaining about Luxehues being a fraud website. Any advice will be appreciated.

    Reply
  51. Surya

    HDFC works in mysterious ways. A few people here have mentioned that they got incremental points just after next statement while most are waiting for 90 days to be over. Even i am waiting for 90 days. I have made purchase through flipkart/smartbuy as well as amazon in the past 2 months. No extra points yet for those.

    Reply
    1. Ramesh Kumar

      Hi Surya,

      You need to escalate to customer care to get the bonus 9X points for Smartbuy purchases, but most of the time customer care ask for proof(maybe take screenshot for the future transactions in order to get bonus points, if not awarded) that you made spent through Smartbuy.

      To my surprise, my recent purchase at flipkart.com(for month of October) through Smartbuy is awarded 9X along with statement(on November) itself. But old spendings(done on June, July, August and September) not yet awarded with bonus reward points.

      Reply
    2. Garima

      As per my conversation with CC they cleared all the due points for 1st to 31th Oct(smart buy and regular 9x) except international 9x and for the transactions from 1 Nov to 30 Nov they will post all 9x points after 90 days.And from December onwards it will be same as it use to be before.

      Reply
  52. Mouli

    Change in 10X Points For November alone:

    My statement date is 25th and on 27th I used to get the 9x points but this month I didn’t get.
    I called to CC they said because of some system issue for transaction done on November 1 to 30 alone 9x points will be posted 90 days after November 30th . Plz check the T & C

    Incremental 9X Reward points for txns in Nov’17 will be posted within 90 days from Nov 30th. For txns from 1st dec’17, incremental 9X Reward points will be posted immediately after the statement is generated

    Reply
  53. Garima

    CC cleared that All the transactions done on Uber international will be counted in regular 9x points and not in international spend as uber is 10x partner. I received 9x for all the Uber transactions done internationally in Oct. But they said for all other international spend 9x will be posted after 90days.

    Reply
  54. Majumdar

    Just read on Mr Awtaney’s website that BA, Vistara and Trident have been introduced as RP partners for Diners. Can anyone confirm?

    Regards

    Reply
  55. Anoop E S

    One more good news. Vistara added as conversion partner for Diners Black. British Airways is also there. So we can convert our diners black points to Club Vistara now onwards. It is really a great addition

    Reply
    1. Jeet

      In general, would it be a better idea to directly buy flight tickets from hdfcbankdinersclub.in or convert to Vistara points (or British Airways points) and then buy with points?

      Reply
      1. Prashant Gupta

        Jeet. Please check the math and let us also know. Afaik its better to book directly with points. Most of us do so.

        Reply
  56. Garima

    I want to buy shoppers stop gift card worth 5k from Amazon.Is there any way to earn 9x reward points on this transaction thru smart buy?

    Reply
      1. Mouli

        I don’t think so , because I had a lifestyle gift voucher and when I checked whether that can be used in homecenter they didn’t accept. Both are treated kind of separate entities

        Reply
  57. Abeer

    Is the 10X applicable to Supplementary/Add-On Card Holders as well or only to Primary?

    Reply
  58. PRIYESH

    Hi All,

    This time I received additional rewards point twice, once around 1st December, and once after generation of statement. Does any one know how can we link this points with spends? Any Idea about 10x Reward Point on International spends? Are we getting those points along with statement generation?

    Reply
    1. Abhishek Roy Post author

      Just on 1dt December-January That’s for international spends.
      Right after statement generation- That’s regular 10X points payment for partner merchant’s and Smartbuy

      Reply
      1. Garima

        Hello abishek have u received all international 9x points for Oct and November or only for october?

        Reply
        1. Abhishek Roy Post author

          I didn’t do any International purchases for October I guess. But I did in November. For that I have got the points credited. Interestingly I haven’t got any 9X points for regular purchases like uber, swiggy and redBus. It seems I’ll have to take up the matter with HDFC.

          Reply
          1. Prashant Gupta

            Same here Abhishek i have got around 2500 less points for normal 10x purchases this month.

          2. Abhishek Roy Post author

            Talked to the customer care guys. As per them since the offer of 10X was revamped, only for Spends in November, the 9X points for partner spends like Uber, redBus will be posted after 90days. But for all purchases in December and henceforth, they will be continued to be posted in next billing cycle as before. So keep an eye for the points credit.

          3. PRIYESH

            And how about purchases done on flipkart and smartbuy ?

            Anyway thanks for your reply for previous query.

          4. Abhishek Roy Post author

            Smartbuy, the points are credited in next billing cycle. For Flipkart via Smartbuy it’ll take 90 days.

  59. Amit

    I seemed to have got the 9x partner spends for December and even the 9x points for Flipkart through smartbuy after generation of the statement. But the 9x points for spends I did on Amazon through Smartbuy compare & buy have not been credited even though you had to submit last 4 digits of card and mobile number when going via smartbuy.
    Tracking these points is really difficult and it seems the onus is on us to track them. How do I for example prove to them that I used compare & shop from smartbuy to buy things from Amazon.

    Reply
    1. sdua_reader

      When you say 9x received, it it unlocked points available for usage or the locked points visible online which will get confirmed in next statement

      Reply
    2. Prashant Gupta

      Always take a snapshot while buying both if the smartbuy page and final purchase.

      Reply
  60. chalam

    Hey , anybody confidently say that they received smartbuy compare and shop, and smartbuy flipkart 10X rewards ? .
    I didnt received for my last statement cycle rewards so far. But i am receiving regular 10X ON uber and also compare and fly.
    Thank you

    Reply
    1. Siddharth

      It takes pretty long. Sometimes you wont get and might need to email the bank.

      I’ve done only one txn on FK smartbuy, but 9x never got posted even after 3 months. Though, on escalation, i did receive. This is not the first time HDFC missed posting points to my a/c. This had happened many times with other HDFC promos. So do monitor the points manually when it comes to HDFC. I usually monitor only high value txn’s for 9x points that’s worth putting time on.

      Reply
      1. Rahul Singh

        Hi,
        I had different xp. I made transaction (on Flipkart through SmartBUY) just 2-3 days before statement generation date and received 9X 3-4 days after statement generation.
        Hope that helps.

        Reply
        1. Rahul Singh

          Yes, I am not sure as some 30-40 points are lesser, but that is fine.

          Reply
        2. Abhishek Roy Post author

          How did you visit Flipkart? Via “Flipkart” link on Smartbuy or via Compare and Shop and then from there to Flipkart after giving your mobile number and last 4 digits of the card?

          Reply
          1. chalam

            Hi Abhishek, and Siddarth, Thanks for reply.
            Its via link to Flipkart . its a gold coin purchase worth 62K Rs.
            In my general observation the 9X rewards used to ‘ post ‘ on the NEXT day of billing date (with in 30 days ) , which are available for utilization from THAT NEXT billing cycle (60days) .
            There is no problem with regular 10X and also compare and fly ( where the payment gateway displays ” SMART BUY “.
            This is not the case with compare and shop where the payment gateway displays “Flipkart internet ” , Amazon etc…. I think there is some problem in differentiating the regular or smartbuy purchase with HDFC server .
            Smart buy has a pathetic search mechanism. so some times i just used add some product into amazon cart. Then i used to proceed through compare and shop and after giving mobile number and card number , I just used to purchase the thing in cart.
            In neither case i did received rewards for last statement cycle.
            I just mailed and described problem clearly . Received a non sense and pathetic reply like this.
            ” We would like to clarify that under this offer, 10X Rewards points will be posted only on eligible retail transactions on BigBasket, Uber, BookMyShow, Swiggy, Redbus, Luxehues, Caratlane on both website and mobile app spends. ”
            Now i am Waiting further.

          2. Rahul Singh

            @Abhishek,
            I visited smartbuy–login-flipkart-login-purchase for November statement. I avoided compare and shop option till now.

            However, I must say, I got 2000 points less in December statement. Will talk to them soon.

      2. Nitin Khanna

        I am facing the same issue with Flipkart transactions on smartbuy. Post completion of 90 days, have called up the customer care multiple times on the related reward points, but they say they are still investigating and there is no ‘record’ of these transactions at their end. They have taken the Order ID as well, but to no avail. Has been close to a month further now.

        Reply
        1. Siddharth

          Email works in such cases, preferably with the snapshot of confirmation page showing smartbuy logo.

          Reply
          1. Nitin Khanna

            Didnt capture it at the time of transaction..never thought it may be necessary. But shall be very careful now. I only thought that they might delay the credit of points, didnt imagine they would out-rightly decline to validate the transactions even!

        2. Abhishek Roy Post author

          Did you finally receive your points or not? I was told that I’ll not get the points as those transactions were not made via smartbuy. Insanely stupid. Very shady practices.

          Reply
          1. Nitin Khanna

            Yes Siddharth and Abhishek. Wanted to update you guys, just got the complete set of points for the Smartbuy Flipkart transactions yesterday. But had to go through multiple cycles of escalations and a lot of time and calls. The only mistake i would have made in all these transactions seems to have been, that i did all these transactions through my mobile phone browser (not app of course), which still was not captured by Flipkart it seems. Just to be sure on this, please conduct all the smartbuy transactions through desktop web browser and take screenshots. Was lucky that I got hold of a nice guy in the HDFC technical team Mumbai who actually followed up on this aggressively, wont have been possible otherwise

    2. Amit

      I did receive the points for Flipkart through Smartbuy (I think -:)) but have not for Smartbuy compare & buy through Amazon. Apart from these what’s missing are the regular partner 9x points for November.
      Its pretty difficult to tally the points with what you should have and with having spent about an hour I could get to the above conclusion.

      Reply
      1. Chalam

        Perhaps you might have received the regular points. May not be from flipkart

        Reply
  61. Chalam

    Guys be careful with compare and shop and flipkart, despite of my repeated mails for 9X rewards for my flipkart purchase, i received reply from hdfc as like

    “We would like to clarify that under this offer, 10X Rewards points will be posted only on eligible retail transactions on BigBasket, Uber, BookMyShow, Swiggy, Redbus, Luxehues, Caratlane on both website and mobile app spends.”
    If they post them after the offer period ends, it’s good . Otherwise be at your own risk.
    There is no problem with regular rewards and compare and fly.

    Reply
  62. Garima

    My statement generated on 16.12.2017 but still my 9x not credited till today.Generally theY credit within 3 days. Does anyone else facing same issue.

    Reply
  63. sdua_reader

    My all 10x partner bonus points are missing for spends of 15 Nov to 14 Dec . I thought they are delaying points for only Nov but seems even for December it’s being delayed.
    For partners like Bigbasket, swiggy etc only 1x points given , 9x not even given as locked points, anyone else faced this issue ?

    Reply
  64. sdua_reader

    Ok, I got the reason for the 9x points , it will come after 90 days of 15th Dec , i.e. in 15th Mar statement.
    They silently changed the terms mentioned as :
    “Incremental 9X Reward Points for Txns from Nov 1 will be posted within 90 days from the date of generation of statement.”

    90 days , hdfc is playing with patience now.

    Reply
  65. Varun

    It seems party is over for HDFC Diners cards……I am struggling to get my 10x points for a transaction done on Lifestyle in July. Escalated the matter but still no resolution after 3 months.
    Have not received the 10x points for international spend even after 90 days. Not sure if i will ever get these points. Any pointers on how to push HDFC to credit the points.

    Reply
  66. Mouli

    Seems , we wont get 10x point in the next statement itself for this month also. My statement got generated on 25th, till october I used to get incremental 9x points on 27th of the same month but this month also I didn’t get incremental 9x like last month . Called to CC they said because of internal technical issue this month point will also be posted within 90 days as like last statement. But for smartbuy transaction that I did in December ,I got 10x points this month itself

    Reply
      1. Amex Guy

        They’ve updated the terms as well. For all transactions after 1st Nov, we need to wait 90 days for points to get posted for regular 10X.

        Reply
        1. Abhishek Roy Post author

          Saw the update but it seems to be contradictory. The terms and conditions have both โ€œnext statement cycleโ€ as well as โ€œ90 daysโ€ clause. It seems this might be a temporary issue. If indeed this is how it is going to be then they should remove their outdated clause soon. Itโ€™ll just create confusion. The context of 9X points post 1st November is written below the initial clauses. Very few people will bother reading so much fine print. I hope HDFC understands this.

          Reply
  67. Anand Kankaria

    Is smartbuy 10x rp of flipkart/yatra/clear trip continuing after 31 Dec?

    Reply
    1. Abhishek Roy Post author

      Don’t know as of now. Let’s see if they extend it or not.

      Reply
      1. Pratik

        This has been extended to 31st March 2018! Happy points earning in the new year.

        Reply
  68. anant

    This is a pretty good place for all info on diners black!!
    The smartbuy T & C has been updated – now the 10x offer is extended till 31 Mar 2018 ๐Ÿ™‚

    Reply
  69. Mehul Jain

    Hi Sid… Have been an active reader of cardexpert

    After reading your blog got my regalia upgraded to DCB Ltf and have already accumulated more than 85k points in 6 months.

    The smartbuy website mentions ‘Offer is valid for all transactions effected on all categories of SmartBuy website and Payzapp’ – so even utility bill payments through payzapp will fetch 10x RP. This can be a great way to accumulate 10x points as have monthly utility payments to the tune of 50k.

    Can someone plz confirm this….

    Reply
    1. Abhishek Roy Post author

      You can’t do that for Diners as PayZapp accepts only Visa/MC/RuPay cards

      Reply
      1. sdua_reader

        I think u meant Payzapp accepts only Visa/MC/Rupay ๐Ÿ™‚

        Reply
      2. Prashant Gupta

        Ya payzap does not accept diners which is an irony being HDFC payment gatewap/app.

        Reply
    2. CHANDRASHEKHAR

      Dear Mehul ,
      Pls clarify the card that you have on which you accumulated 85k points in 6 months , Regalia or DCB . It will help me accumulate points as i also have monthly utility payments nearly 50k. Pls share your strategy of earning points through payment of Utility bills.

      Thanks in advance…

      Reply
  70. Siddharth Mehta

    @Abhishek, I guess you mean payzapp doesn’t accept Diners club. On Smartbuy website you can definitely transact using Diners club as it redirects you to a different payment gateway for all Diners cards.

    Reply
    1. Abhishek Roy Post author

      Yes. I told about PayZapp. Nevertheless, last time I checked, bill payments wasn’t active on SmartBuy either.

      Reply
  71. Mehul Jain

    Indeed Diners not accepted on Payzapp. My bad!!!

    But even though its a lucrative 16% rewards on utility payment if done on Regalia Card if transactions done through Payzapp.

    If not 33% rewards lets rather settle for 16% rewards.

    Whats your opinion?

    Reply
  72. Anoop E S

    Is there any change in the rules regarding smartbuy?

    Diners website says maximu of 25000 reward points in a statement cycle. The terms and conditions link provided there (which is redirected to smartbuy website) says “Maximum Reward points that could be earned is 25000 per month on your credit card”

    Reply
    1. sdua_reader

      Yes , it’s
      Smartbuy: 25k

      Partners like Bigbasket: 25k

      International: 10k
      Max total 60k points per month

      Reply
      1. Garima

        My understanding from what written at diners site is that For international 10x limit is 10000 per calendar month whereas for smart buy and 10x marchents limit is 10x per statement.Some one please confirm

        Reply
  73. Mihir

    Interesting development in Amazon Pay + Diners Club Cards (and AMEX too)

    Today when I went to pay at a merchant with Amazon Pay, my saved Diners Club card was not provided as an option. Diners and Amex was not an option in adding new card either. It seems like Amazon pay wallet will only accept Visa/Mastercard.

    It might also be a good sign, it could be again included in 10x merchant.

    Reply
    1. Abhishek Roy Post author

      Is it? Because I can still use my added Diners Black in my Amazon Pay for all my payments.

      Reply
  74. OP

    Generally I get Smartbuy flight booking and Uber 9x points after bill generation (next day).
    I also have not got Flipkart points (looks like many users have not got it)

    Is there some technical issue between Smartbuy-Flipkart-HDFC ?

    May be as as a community , we need to find Dos and Don’ts for Flipkart 9x points.

    PS: I have sent mail for Flipkart points, still waiting for response.

    Reply
    1. OP

      Got following response:
      Basis your recent email, we have taken a detailed review of your card account and observe that the transaction for Rs.XXXXX was incurred at M/s Flipkart Internet on December 01, 2017 as per our records. We wish to confirm that 10X reward points is applicable for Flipkart transactions through Smartbuy site. Hence, we request you to confirm if the transaction was incurred in Smartbuy website to check further.

      Looks like there is some technical issue, where HDFC is not able to detect Smartbuy role in this transaction.

      Reply
      1. Doney

        Please send screen shots of HDFC Smartbuy Flipkart orders page to them on email. Smartbuy Flipkart logo is there at top left side of the page. I just sent them this today and will update you how they responds.

        Reply
          1. Doney

            Once logged in to Smartbuy, you need to click on the Flipkart link from which you can take screenshots of Orders page. I did the same and sent those to customer care via email.Got the response – “Your request is under review and we will respond to you with details within 7 business days.”

        1. Anshul

          The flipkart orders page after logging in on SmartBuy shows all flipkart orders, including those which are not placed on SmartBuy. So how to differentiate?

          Reply
          1. Doney

            No way to differentiate. But, this is the only proof we can show them.

        2. OP

          Hi Guys,
          I got my fiipkart reward points after following up.
          Here is what it took ๐Ÿ™‚
          2 tweets
          3-4 mail iterations
          and around 15 days

          I will suggest to send a mail if your purchase dates is 90 days old.
          As suggested by Doney, if you have screen shot it will helpful.

          I did not had screen shot, but I had my transaction details and it was enough this time, However I am going to take screen shot for sure next time.

          Reply
          1. Doney

            Congrats man, I’m yet to receive mine. Let me fight for it !

  75. vyom aggarwal

    Hold 2 DCB in family. this has been the trend for me
    Smartbuy points – One day after statement date, even if the transaction has been done 4 days prior
    Tata Cliq – One day after statement date
    Flipkart – Bought some coins for which i got points one day after statement date, but did some shopping in Dec and Jan and have not recieved the points
    Amazon- No points yet ( 90 days period not over yet)
    International spends – For dec spends I got the points on Jan 1, no points yet for october spends though

    Reply
  76. Mouli

    I have done a transaction in flipkart through smartbuy on September and didnt get 10x points.I raised complaint on January after long delay , now they responding like transaction is not eligible as its not carried out through smartbuy.Anyone faced the same situation ?

    Reply
    1. Abhishek Roy Post author

      Yeah me too. It’s really idiotic to be honest. Though I have raised a complaint but honestly I have given up all up considering the fact that that they are HDFC.

      Reply
      1. Anshul

        Stupid HDFC should mention in their T&C that card member should keep proof of transacting at SmartBuy!
        Pathetic bank.

        Reply
        1. Abhishek Roy Post author

          Yes. This is what I am going to do for all future transactions.

          Reply
  77. Gkcards

    Do they give 10x points on home centre spends also or only on lifestyle spends

    Reply
    1. Anshul

      You will get 10X points on Home Center spends also. The POS terminals are same for both.

      Reply
  78. Nikhil

    I am thinking of getting DCB on FD basis. Can someone please confirm whether they give it on a FD basis.
    Also, how likely is the 10X offer to be renewed after 31 march 2018?
    is the card still worth it?

    Reply
    1. Vicky

      Same Question. Someone Please share your experience regarding DCB on FD basis.

      Reply
  79. Vaibhav

    I used diners premium on caratlane physical store . Let’s see if I get 10x point.

    Reply
    1. Rohit

      Caratlane used to be a 5X partner 6 months ago on all HDFC credit cards. I did get those points on escalation.

      Reply
  80. Ashutosh

    Vaibhav, the points will only get credited for certain items not the whole catalogue of carat Lane. They are not available on gold coin and some other items.

    I hope you had checked before purchasing the same.

    Reply

Leave a Reply

Your email address will not be published. Required fields are marked *