HDFC Launches All New Dedicated Rewards Portal for Premium Credit Cards

By | June 10, 2019

As you might already know, HDFC Bank has been intimating some of the existing credit card holders about the upcoming changes to their Rewards portal.

This is now live and you can navigate to the credit card reward points redemption portal via Privileges Tab on HDFC Smartbuy page. Here’s everything you need to know about the new portal,

New Design

The new portal is divided into 3 different sections/designs: Infinia, Diners, Regalia

With new portal gets the new design which is good but at times I also feel its too much of design. Often web designers forget that “Design is how it works” and not how colourful it is.

Apart from the design, I wish they rather went for a new dedicated domain name. Linking it to Smartbuy just confuses people.

Speaking about the rewards portal, I like the Yesbank’s rewards portal that allows you to change the card type and navigate accordingly.

Apart from that, Amex is also improving the rewards portal day by day, except that they don’t allow us to earn points easily.

Hdfc Rewards Portal – Infinia
Hdfc Rewards Portal – Diners Club
Hdfc Rewards Portal – Regalia

Earning Points Simplified

While most of us are good at navigating the smartbuy page to earn 10X points, beginners are not really aware of this process. So HDFC added all those links directly to “Shop & Earn” page which saves a lot of time and confusion.

Redeeming Points gets Tricky

Now you can do the Catalogue redemptions like iPhone or Bose headphones in few clicks. But that doesn’t mean you should do it as the points value drops as worse as 50%.

So the the redeeming points section is primarily there to distract you. Yet, not many would be aware of it, so I guess HDFC Bank would enjoy more catalog redemptions going forward. Means, more savings to the bank.

Apart from these, it looks like there are new limitations and rules for mid-range cards. Have a look at the Faq section for more.

Bottomline

While the new design is bit fresh, good & responsive, I don’t see much of an advantage. Rather I see it as a way for the bank to consolidate multiple portals into one for simplicity. And yes, you do get more options, yet they’re not so useful for many.

What’s your take on HDFC’s new rewards portal? Feel free to share your thoughts in the comments below.

24 thoughts on “HDFC Launches All New Dedicated Rewards Portal for Premium Credit Cards

  1. Pranav641

    Pls tell me what will happen to the website which earlier we infinia members used to book flights,d2h,hotel and getting 2x points on partial transaction through credit card,will it continue or not
    Also need to ask if i do partial payment half through credit card and half through points wil i get 10x or 2x or 1 x reward point on smartbuy page

    Reply
    1. Ravi

      I think you will get 10x for the difference amount paid by card.

      Reply
      1. Rakesh

        Ideally yes, as the portal is still smartbuy and it should give us 10x !

        Reply
    2. Sree

      Thro smartbuy it’ll be 10x points for the balance amount paid using your card

      Reply
    3. A2Z

      Nothing has changed except the website
      They have just brought all card redemptions options under one roof
      You would earn 2x only as before as that’s their intended feature
      As Sid said bringing it on Smartbuy is only going to create confusion

      Reply
      1. sahil

        This is my confusion too. I used to use smartbuy for bookings and once I hit the 25k cap I would switch to Infinia’s regular portal. So if i have hit the cap and book something will i get 2x on balance amount without any cap?

        Reply
      2. A2Z

        Update :
        HDFC CC has confirmed that any spends on Smartbuy portal while doing redemption of points & paid partially by card then we shall get 10x points
        Even when booked flight by partial redemption of points & rest by card then merchant name showed as SMARTBUY

        Reply
    4. MT

      On the older infinia portal , i had got 2x points when i had booked tickets via points+card system because infinia t&cs mentioned any transaction on the infinia portal accrues 2x points … no idea on the new portal , best to ask the infinia team

      Reply
  2. Binay

    Have they got any way to check transaction points.
    I havent still received my points I lost to booking Jet flights. 50K

    Reply
    1. MT

      Call customer care , they have information on point credits in your account

      Reply
  3. anshul

    Have applied for diners black & living in a tier-2 city having no relation with HDFC. Cibil of 810, hope they pass my application.
    Have a big purchase to make, hoping for some help from the forum with diners black 🙂

    Reply
    1. Mouli

      Now it depends on your ITR as you don’t have any existing relationship
      You can open a FD for a huge amount

      Reply
  4. Ankur Mittal

    They have added convenience charges in flight bookings.

    Reply
  5. Chintan

    Now as the portals are merged, can we use multiple voucher in same booking, one generated from DINERS and one REGALIA.

    Reply
  6. OP

    With moving to single website, I am concerned if HDFC website will able to handle user traffic.
    Already got slow response even for simple log-in.

    Reply
    1. Siddharth Post author

      Traffic shouldn’t be an issue. My guesses, the site needs to interact with Bank API’s to fetch the reward point balance, which would take time as I noticed as well. Rest operations must be smooth. Yet, I wonder why our login was slow. 😐

      Reply
  7. MT

    Well well well… looks like Yes Bank CC dept is copying HDFC CC dept , check out Yes cart , 5 X points on amazon , flipkart myntra and tata cliq

    Reply
  8. DR.HARDIK PATEL

    So what about existing smartbuy and diners club website login? Can we purchase through smartbuy and diners website login to redeem points as we do earlier? Or we must use this new integrated website compulsory? And how to login this new site for redeeming the points? Please anyone reply fast about this…i have DCB. Thank you so much…

    Reply
  9. Pranavcoolsharma

    Now hdfc has a dedicated smartbuy page for infinia , dinners, regalia cards where we can redeem points .
    Pls tell me what will happen to the website which earlier we infinia members used to book flights,d2h,hotel and getting 2x points on partial transaction through credit card,will it continue or not
    Also need to ask if i do partial payment half through credit card and half through points wil i get 10x or 2x or 1 x reward point on smartbuy page

    Reply
  10. Anubhav Tyagi

    Only Amex does a good job with its redemption, HDFC just doesn’t understand UI/UX for digital products even though their cards have a better-earning rate.

    So, now I am expected to use the smartbuy portal for shopping and bookings (to get the 10x rewards benefit) plus redeeming my points (which now has more options than just flights and hotels).

    Then there is Payzapp portal as well which also gives 10x rewards benefits I believe. But the 110x rewards on partner merchants (zomato, bigbasket, etc) are limited to Diners cards only. Plus these rewards are not credited instantly, it takes upto 10 days at times, all this is a bit confusing tbh.

    Reply
  11. Maulin

    There is also a new redemption option called “experiences” where you can redeem points for day tours and tickets to tourist sites in many famous cities. That is a nice option. Now you can book an entire vacation through credit card points. I didn’t see the conversion rate for that.

    Reply
  12. Chintan

    checkout “EXPERIENCES” tab in SHOP & EARN, it has good tourist options around the world that too at good prices

    Reply
    1. Chintan

      under experiences tickets can be purchased with Reward Points, that too at par. I haven’t made any booking yet, but looking forward to it.

      Reply
  13. NITIN ARORA

    Hi Siddharth

    I have a query, the flipkart link in the tab of main smart buy page is still active. So I will get 10x points on my regalia if I buy through the main tab of flipkart on home page of smart buy site and do I have to login to smart buy site before proceeding to flipkart tab for 10x points.

    Thanks
    Nitin Arora

    Reply

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