HDFC PayZapp Offer: 3X Rewards on all spends

By | October 2, 2021

Here’s a nice offer from HDFC Bank on select premium Credit Cards for spends done on Payzapp – when used as a payment gateway.

Offer Details

OfferSpend via PayZapp and get 3X Reward Points
Offer Validity15th July’21 to 31st July’21 (Extended through Oct 2021)
Min. SpendRs.2,000
Max. Rewards1,500 Points
Eligible CardsHDFC Infinia, Diners Black, Regalia, and Diners Privilege
Eligible SpendsAll spends except: SmartBuy, Wallet Load,, and Magicbricks
FulfilmentPosted within 30 working days of the transaction
SourceTerms & conditions

Overall a very good offer, except that the max. cap is bit low.

While 3X offer is good and gives nice 10% savings on super premium cards, I wish HDFC brings back those 5x offers on Payzapp sometime in future, like this one in 2016 with better max. cap.

Apart from the max. cap on points, there is another restriction with PayZapp lately which doesn’t allow you to spend more than 1 Lakh INR per card, per month.

Along with this offer, there are also spend based offers for July and few other targeted offers like this one.


  • The offer has been extended through 31st Aug 2021
  • Offer fulfilled: Bonus points for July credited on 28th Aug 2021 and these reflect on bonus points summary in stmt too.
  • The offer has been extended through 30th Sep 2021
  • The offer has been extended through 31st Oct 2021

What’s your thoughts on the HDFC PayZapp Offer? 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 exploring the spiritual reality of our human existence.

80 thoughts on “HDFC PayZapp Offer: 3X Rewards on all spends

  1. BPradhan

    Hi Sid,
    Do you know which all merchants accept Payzaap as payment gateway. I checked Flipkart and Amazon they are not supporting Payzaap. Also your input on what items we can purchase in Payzaap to maximize the benefits would be really help others.

    1. Siddharth Post author

      Any bill payments via app would do.

      Merchants using PG’s like CC Avenue, PayU & Razorpay mostly have PayZapp as payment option. Do explore the gift card sites.

    2. Raj

      Even paying a electricity bill on PayZapp app should do the trick.

  2. Mangesh

    Along with spend based offers i got another one in July

    “Enjoy vouchers upto ₹1600 when you unlock 1 or more categories with your HDFC Bank Credit Card”

    There are 8 different category with Min Spends: Rs.500 per category.

  3. Rahul

    Hdfc is losing market share big time on spends. Also they stopped most promotions during april-june due to lockdown and are now coming back with a bang with more and more promotions.

    RBI ban on them is still some time away from being lifted it seems.

    1. Siddharth Post author

      These are the “calm before the storm” moments for HDFC 🙂

  4. AbhiKohli

    1L/month spend limit is on wallet load, right ? Not on PayZapp payment gateway?
    Sadly no 3x on millennia.

    1. Siddharth Post author

      That limit is on PG, since past ~2 yrs AFAIK.

  5. Rishabh

    Will offer apply for Redgiraffe payment via PayZapp bill pay?

  6. Amar

    Is scan and pay eligible?
    I scanned through all gift card sites – none accept payzapp.
    Also, it seems like this will be a monthly recurring offer going by the T&C.

  7. The Quintessential Poor

    Poor offer unless someone got Infinia or DCB. Axis Ace gives way better value. Regalia or DCP gives you around 5 rp for every 150 rupees spent.

    1. Raja

      I hold Regalia and I get 4 points for every Rs.150 spent. So to maximise the cap of 1500, I need to spend Rs.28150 (750 actual points plus additional 2x points of 1500 = 2250 points). For Amazon voucher of Rs.500 is around 1450 points on Regalia site so points value is 3.25 points for Rs.1. So value of 2250 points is around Rs.692. That works out about 2.45% return on Rs.28150. This is better than the usual rewards for people not holding Axis Ace or IDFC credit card.

  8. Sandeep Kumar

    I paid rent using redgiraffe on Payzapp app. Let’s see if this earns me 3x rewards or not.

      1. Sandeep Kumar

        No where it’s mentioned that rent payments are excluded.
        It reads as ‘Please note this offer is not applicable on SmartBuy, Wallet Load,, and Magicbricks’. Just Nobroker is excluded and not other ways of rent payments.

        1. SK

          HDFC did not even give me regular reward points on Redgirraffe this month. Cant expect additional bonus points 🙁

          1. Sandeep Kumar

            Try to check under reward program summary table in statement. I received redgiraffe points under insurance category this month.

    1. Sandeep Kumar

      Yes it should be over and above 15k rewards points limit.

  9. Kunal

    Does max rewards points of 1500 include 1X as well?
    Say if I make payment of 20K, then 3X = 2000 so will we get 2000 points or will this be capped at 1500?

    1. Siddharth Post author

      They never used to don’t consider 1x for such capping. But they’re not clear in this t&c, so its a hit or miss.

      1. manoj singh

        It’s clearly written in their terms and conditions that overall 1500 points will be given. No 2x or 1x or 3x. They gave illustration as well

    2. Abhi

      As usual, hdfc comes with great offers but poor clarity in T&C. From the illustrations in the T&C it seems 3X cap (infinia & DB) is 1500 which means incremental 2X cap is only 1000. The card statement nowdays gives clarity somewhat, so have to wait till it comes, unless this again goes into 90 days fulfillment. Good thing is, redgirraffe payments have historically been treated by payzapp as insurance so that’s a easy way to use the cap, atleast until they fix it.

  10. Rohit

    Can we choose wallet as payzapp and then pay using stored infinia or dcb or we should use wallet amount only?
    I asked RM and she told I can use only payzaap wallet amount. Is that info correct?

    1. Siddharth Post author

      “Can we choose wallet as payzapp and then pay using stored infinia or dcb ” – yes, this is how you have to use to avail the offer.

      1. Rohit

        I once tried paying Indian gas. After clicking on wallet it did not allow me to use dcb. Later when I used the virtual payzaap wallet card detail it worked.
        when I use payzapp app in mobile only then I used to use DCB. when contacted bank they said from website selecting payzaap as wallet we can only give payzaap virtual card as payment and for that we should load balance.
        Am I missing something here? After that I never tried payzaap as wallet option since other than cashback there is not much amount present in payzaap wallet.

  11. Prasanna Bhat

    Today I tried PayZapp to pay insurance premium. Basically wanted to utilise 3X offer.

    Faced 2 problems

    1) Bill pay icons (visible a day ago )were not visible in PayZapp on my iOS device ( visible in another iOS device of mine, and cross checked by logging in android device, no issues there)
    Called payzapp customer care. They said it might be technical glitch. Asked to send screenshot to check further.

    2) So I logged in through Android device. I could see the icons and proceeded to pay the insurance premium (choose linked DCB). Faced error “Credit card limit is reached, try with different card”.
    Called payzapp customer care again. They said it might be an issue with Credit card.Credit card customer care said all is ok from their side ( card is active, limit is fine , payment rejection is not visible in their log, no issue basically)

    * Tried with Infinia card , no issues faced ( but didn’t do the payment, since I want to use DCB fo this payment to take care of annual spend milestone)

    So HDFC being famous for inconsistency and confusion, not sure what is the issue and how to proceed from here.

    Any one else faced such issues?

    1. Siddharth Post author

      I’m facing some other issue: VBV declines the txn.

  12. RAGIB

    Most of the time i am unable to pay through the linked credit card in payzapp for one reason or the other.

    And from last month i am not getting RPs for loading payzapp wallet.

    Just for informartion
    I used to get RPs for loading payzapp & amazon pay till a couple of months back but last month both were reversed. Sad )-:

    1. Rohit

      Even if you get RP for loading in wallet it would get reversed. Mine got reversed after 6 months and I lost more than 2k points. Only then I came to know though this community that we can get RP for using dcb. As long as I know no points for loading money and fuel. Read terms and conditions things are mentioned clearly.

      1. RAGIB

        Thanks Rohit

        But i was using it as i was getting reward points. I thought it is configured for my card so enjoy till it is there. But it ended last month and now i will have to loose some more points if they reverse for previous transactions also. Anyway my wallet recharge amount was very low only.

    2. AbhiKohli

      Which card? Most of the HDFC CCs do not carry RP on wallet load including PayZapp.
      And issues with Payzapp .. ‘Welcome to the HDFC world’ 😀

      1. RAGIB

        I was telling about my INFINIA – the only i have from HDFC. I have stopped using it for wallet reloads altogether. Anyways i use wallets (obviously online ones (-: ) very very less.

  13. Mugunthan

    Got two offers from HDFC this month.

    Made an insurance payment via payzapp to get 1500 reward points.

    Also, the total spent with my infinia card was above 24k to get Rs.1000 amazon/flipkart voucher.

    Hope HDFC processes both. Still I dont beleive HDFC processes all offers to the customers and the bank continue to cheat as in the past. I didnt get one Rs.800 Amazon/flipkart voucher for billpay registration done in January.

  14. Ankit

    Did payment to merchant site by selecting Payzapp app, however I manually entered my Infinia card details as same was not stored. Am I eligible for offer? Please clarify.

  15. Teja

    Hi Sid,
    I am thinking of paying rent using nobroker through payzapp as there is a cashback offer. However, do we get normal reward points for the transaction when we pay through payzapp in ? Not worried about 3x. 1x is fine for me. Card- regalia.

  16. Abhishek N Joshi

    New validity period updated on HDFC website for this offer is 1st Aug to 31st Aug 21.

    Looks like they dint get the response they wanted OR the other way round, they got many payments within July offer period.

  17. aka

    does insurance premium payment say for TATA AIA etc through DIners Black eligible for normal 3.33 points per Rs. 100/- ?

  18. Rohit

    If we buy instant voucher from payzaap then do we get 10x plus additional discount of 75 during extra savings sale ?
    I never tried buying voucher through payzapp coz I am not sure whether I would get 10x

  19. shradul goel

    Can you please publish an article which explains about the various platforms HDFC offers like payzapp, smartbuy and any other platform that you are aware of.If not an article just a brief description highlighting the best utility of all of these platforms.

  20. Rohit

    Can anyone tell how I would get 3x + 10x if I purchase smart buy instant voucher for Rs 4500 through payzapp .
    Generally it is 1x= 150 and 9x = 1350 points.
    How will 3x be calculated.
    Also someone said we will not get 3x for smart buy but in terms and conditions it is mentioned as 3x not applicable for rent and wallet load. Nowhere they have mentioned smartbuy is not applicable.

      1. Amar

        I received the 3x points today on my scan and pay transaction done in 22nd July.
        I had already received 1x points (500) earlier and received another 1480 points today for a transaction value of Rs 15k.
        Can’t understand the maths – it seems the cap of 1500 points was for incremental 3x points and that too is over and above normal 1x points.
        So effectively 4x points is what I have got – and if that is the case why 1480 points incrementally – why not 1500?
        Weird are the HDFC ‘s ways!

        1. Siddharth Post author

          I’ve received 1500 bonus points (checked with support) but the spend was higher.
          But it’s surprising to see the 1.5k bonus points on 15k spend.

          Usually the cap is on bonus points but in this cases HDFC likely assumed that they will cancel the Payzapp points – 1X (which happens for wallet loads) and so they did this, maybe by mistake. Or, they may revoke the 1x, pretty confused HDFC when it comes to offer fulfillment – as always!

          1. Sahil Goyal

            Did you get any sms for it? Is it for July or August?

          2. Siddharth Post author

            I rarely get those sms, maybe as I’m on DND. It’s for July, for sure.

          3. Tejas Joshi

            Offer on wallet reload of 2x :

  21. Rohit

    I got flipkart voucher and first time I am getting an error while adding gift card as
    Did anyone else experience this? What to do next.

    1. Raj

      From where did you purchase flipkart gift card using payzapp?

      regarding error, you can check flipkart gift card balance on and check does it show balance?

      1. Rohit

        The voucher code worked after a day but worst part was flipkart said they cannot do anything on this and to contact hdfc bank. And funny part was flipkart said the pin which was sent to me got reset and the same pin worked for me next day. This was the first time something bad I experienced with voucher. Once you login into payzaap you have an option for 10x and from there I got but I did not get Rs 75 extra cash back so I don’t know what is the criteria for that.
        Also is electricity bill not eligible for 3x?
        I did not get 3x for electrcity bill paid through payzaap which was above 2000.

  22. Nikhil

    How can i pay LIC premium using payzapp. Couldn’t find any options.

    1. Mannan

      I paid the lic 3 times in aug via bharatqr through payzapp and all the time transaction failed . Amount debited everytime and got credited after 3 days .

    2. Sudarshan

      I already paid LIC premium, using PAYZAPP scan & pay option.. just go to payment options of LIC and select BHARAT QR code & scan through PAYZAPP.

      1. Nagarajan

        Hi Sudharshan, Unable to find Bharat QR code option in LIC either via mobile or desktop site. Can you see if its still enabled for you ?

  23. Deepak Joshi

    Hello, where do we check the points added until the statement is generated?

  24. Ramesh Shah

    If we have availed 3x Payzapp offer in July can we again avail that in September?

      1. Sudarshan

        It is actually 5X offer and detailed T&C can be seen by clicking the 3X offer banner inside the PAYZAPP app. Not able to upload screenshot, as there is not any option for uploading the screenshot.

  25. Sandeep Kumar

    Rent payment using redgiraffe on Payzapp, will this transaction be considered for 3X offer?

  26. Niju


    Seems there is a 5x running on Payzapp

    Get FIVE times the delight with 5X Reward Points on PayZapp using your Credit Card!
    Know More:
    HDFC Bank #ThereForYou

    This was the message I received

  27. Vikram

    I see that in my PayZapp app it says that 4X times rewards are applicable on certain payments including bill payments. I clicked on know more and the heading says 4X but the terms and conditions says 3X and 2X only. Any idea if there’s actually 4X applicable or not?

  28. Nitin Arora

    I cannot pay on LIC website via Bharat qr code. I am only seeing Paytm payment way having credit card, UPI, netbanking and debit card option.

    Am I missing something?

  29. Pankaj Gupta

    Does the date of transaction or the settlement date for that transaction considered for determining the date of eligible transaction for this Payzapp 3X offer ?
    I made a Payzapp transaction on 30 August, but it was not considered for monthly milestone benefit as its settlement date as per HDFC system was 1 September ( Diners concierge team informed this). Would this transaction be considered for August or September for 3X offer

    1. Rohit

      @pankaj Gupta
      I lost 1k voucher milestone achievement because even I never knew we are not suppose to do swipe based transaction on last day coz settlement happens after 1 or 2 days.
      But for spend based offers like spend 80k to get 2k gift voucher you could also spend on last date like month end based on offer given. So even 3x would work if it says offer applicable till August 31st since it’s spend based offer. Personally for 3x I spent somewhere in month between but I am sure you would get it for last day of month.

      1. Amar

        Wrong – even for spend based offer, HDFC takes posting date into account and same will be the case for most such offers.
        I just lost 5k voucher on 66k spend for July, because I transacted about 500 on the last day to meet the 66k spend and HDFC categorically denied fulfilling the offer.

        1. Rohit

          I think you missed on something to not get spend based offer. I purchased a bike and did in 2 payments. One on October 31st and other on 3rd November 2020 . I did not get milestone achievement because bank claimed that dealer withdrew on 1st Nov and it’s always T+1. But I got spend based Oct 15th to 31st. Don’t remember how much but was around 3k voucher I guess. But as you said I would always recommend people to swipe atleast 3 days before month end and that is what even bank adviced coz we never know when the merchant would encash it.

          1. Pankaj Gupta

            An Update: My transaction of 30 august which was considered as transaction in September for Monthly milestone benefit (DCB), however was considered as August transaction for Payzapp 3 X reward benefit. I received additional 2X reward points for this transaction today.

  30. Rohit

    Do we also get 2x for loading money in payzaap wallet for minimum 2000 ?
    is it applicable to DCB

  31. Darshdeep Singh Grewal

    HDFC credit card reward points are not being credited for wallet loads and insurance payments. Me and my other friends are facing the same issue. I am having business regalia and my friends have a millennia and a business Moneyback. One of them got credited with reward points which were then rolled back without any information. Anybody facing similar issues?


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