HDFC Smartbuy Sale: Get upto 15X rewards on Credit Cards

By | May 19, 2021

As you might know, HDFC bank has been doing the 3 day sale on HDFC smartbuy platform quite often. But this one is one of a kind that not only comes with higher return on spend, but also with higher max cap. Here’s everything you need to know:

Offer Details

There are too many offers in it, so you may just go through it one by one. But the best ones are on Amazon and flipkart and they look like this:

  1. Amazon Offer: 10X rewards upto Rs.50,000 spend (usual monthly max cap); 15X rewards beyond (additional max cap)
  2. Flipkart Offer: 6X rewards upto Rs.50,000 spend (usual monthly max cap); 9X rewards beyond (additional max cap)

Overall Max Cap

  • Infinia: 15,000 (usual monthly max cap) + 15,000 (additional max cap) = 30,000 Reward Points
  • Diners Black: 7,500 (usual monthly max cap) + 10,000 (additional max cap) = 17,500 Reward Points

Note that the additional max cap applies only on txn higher than Rs.50,000. The offer link has clear explanation with examples of various use cases.

If you’ve not transacted any so far, its a easy math, but if you’ve already done some txn with other smartbuy merchants, it may get quite complicated.

Bottomline

Its indeed a wonderful offer from HDFC Bank on super premium credit cards by boosting the 10X rewards program, temporarily. Offers on other HDFC credit and debit cards are also good, but not as lucrative as this.

So ideally speaking you can take home your super fast M1 Macbook Pro or iPhone 12 at ~Rs.30,000 less on Infinia or ~Rs.17,500 less on Diners black. It cant get any better!

What are you planning to buy during these Smartbuy Extra Savings day sale? Feel free to share your thoughts in the comment 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.

166 thoughts on “HDFC Smartbuy Sale: Get upto 15X rewards on Credit Cards

  1. Raj

    Kind of feel cheated by holding a Regalia card since 2014 with 11.5L limit. I don’t know when will they consider me for an auto upgrade.

    Reply
    1. Bala

      Hi Raj,

      Just download the upgrade form fill it and send it to chennai office. No need to attach income proof. If you Have more than 10L Limit they upgrade you as soon as they get your form. I just got upgraded ysday. Got my card dispatched.

      Send the form and update us with your infinia card…..

      Reply
      1. RM

        Hi. How did you get upgraded? When dis you apply? Pls. can you elaborate? My RM informed that all CC issuances was on hold due to RBI instructions. This applied to upgrades as well. I applied for upgrade almost 20 days ago! Limit 11L on regalia.

        Reply
        1. Bala

          @ RM
          My regalia CLE enhanced 11+L on 10th Dec. I called customer care to inquire about Infinia Upgrade. Customer Care executive told me i have no preapproved invite for Infinia, but suggested me to send a form to chennai. I told her my income criteria is very far away from Infinia eligibility. She told Infinia can be upgraded without any income details if you have 10+ limit in your regalia and asked me to download the upgrade form, fill and send it alone to chennai.
          I just couriered the filled form alone to chennai office on 19th Dec. On 21st i could see inactive card column in netbanking. 22nd got a msg that inifina card dispatched and 23rd received my infinia card.

          @ Ashish My Regalia was LTF, the upgraded Infinia is First Year Free, 10k Annual Fee,Waived on spent of 8L

          @Raj, i sent for Infinia only, RBI imposed ban on new issuance only , hence credit card team is very aggressive in serving existing cards. It’s the high time for us to get upgraded if have 10+L CL in exisiting CC.

          Reply
      2. Raj

        I thought RBI has temporarily banned HDFC from issuing new credit cards, was it processed recently?
        You sent upgrade form for infinia or diners black?

        Reply
      3. Praveen Katiyar

        Hi Bala..
        Thanks for guiding..
        After reading your comment, I thot, what am I going to lose if I fill form and send.
        And voila.. in 2day time.. I got upgrade in my NetBanking.. not sure it was application only.. or otherwise..
        So, I take this as opportunity to thank @Sid, @Shivi, you and other members of this portal. New year got me Infinia.. quite elated..

        Reply
    2. Karthik

      Raj, I was holding regalia first with 16L limit without autoupgrade. I dropped an upgrade form in the branch, i got an infinia upgrade in ~3 weeks. I never found the update in the netbanking.

      Reply
      1. SHIv

        Hi Karthik…..just download this smart buy app, when you open smartbuy webpage at bottom you will see mobile icon, click and install…..then you will get to know about smartbuy offers….also spend based offers I am not getting, but now I login to NetBanking and see offer section which shows spend based offers…like for this month it was showing if I spend 77000 then I will get 5000…however I have not received email or sms. There is no standard and no one in customer service knows too. So we need to check on our own.

        Reply
    3. CHALAM

      Hi Raj , By this time you might have got several times upgrade option in net banking , which lasts only for few days and will disappear. In my opinion more than 5 Lakh limit and 6 months old card, you are eligible for DCB ( 99% ).
      So give google search ‘ HDFC FROMS ‘ … Go to > PERSONAL > CREDIT CARDS > There download the card upgrade form-personal , fill it and courier directly to their chennai address directly. No attachments required.

      Reply
    4. Shivakiran

      Hi Raj. Me too. I have been holding the Regalia card from 2014 with a 11+ lac limit but I’m not sure if there will ever be an upgrade. The devaluation of the Regalia is pretty bad and now with the 10x and 15x offers reserved for Infinia and DB, I’m slowly loosing interest in Regalia. Iam just waiting for the launch of a right card from a competitor. I will jump in a jiffy.

      Reply
  2. Kashyap

    Actually on DB, any spend between 25-50k will esrn only normal rewards as 7500 cap is reached at 25,000 only

    Another problem is redemption,with 70% cap

    Reply
  3. Akshat

    An important point:
    “The overall max cap …will be applied on the cumulative spends done on both Amazon & Flipkart at Per individual Card level.”

    Hence, the 70,000 odd spend on DCB and 80,000 odd on Infinia for maxing the offer points need not be done in a single transaction and the cumulative will be be counted across these 3 days which can be further broken down across amazon and flipkart.

    But of course spend needs to be calculated as pointed out by Sid in case of spends on flipkart or in case vouchers are purchased earlier in the December month.

    Reply
  4. Akshat

    BTW a rough calculation ascertains a 25% value back in case of DCB for max cap of 17500.

    will be lower in case any smartbuy purchase done already like instant vouchers or amazon spends.

    Reply
  5. KARTIKAY GAUR

    This offer has come at the right time for me. Would be using it on Amazon.

    Reply
  6. Himanshu

    How will the 10X rewards points on Amazon work if you have already exhausted the 15000 cap on infinia via earlier spends.?

    Reply
  7. Prashanth M

    A very good offer but only to a handful of customers!

    I tried getting Infinia – applied 3 times in 18 months. Rejected all the three times with different & weird reasons. Reasons they gave –
    1. You can have only on HDFC card (I currently hold Regalia)
    2. I asked fir upgrade instead of new – they said you will get it only if you have HDFC savings account
    3. Opened savings account & applied – they said you will get Infinia only if it’s salary account!!

    With the restrictions on new customers, probably it’s time to say goodbye to HDFC & look for other cards!

    Reply
    1. Prashant Gupta

      Salary account is not mandatory. Just go for prefered account with minimum quarterly balance of Rs2L. If eligible u will get DCB or Infinia LTF.

      Reply
      1. Suresh

        Ho, LTF for Infinia with 2L average balance. I’ve all the requirements but not yet got LTF. Can you share how did you make it happen pl

        Reply
      2. Jay

        We have 2 Imperia relationships with HDFC Bank, haven’t received a LTF on Diners Club or Infinia yet.
        Are you sure about this ? What’s your source ?

        Reply
    2. SHIv

      Be patient, you will get it….it takes time to get it…..keep applying from all channels i.e. NetBanking, and sending application form to Chennai office….one day you will see upgrade offer in NetBanking. Even I got after long wait. Regalia is also not bad, Same offers etc but they have reduced point value to 50 paisa but still not bad.

      Reply
  8. Nihar

    What’s there for anyone who already spend 22.5 K through Smartbuy , earning 7500 points on DCB already in Dec.
    Is there any benefits , not sure

    Reply
  9. Praveen

    Hii Sid, any idea if its applicable on No Cost EMI on amazon?? nd how the points will be credited like in single shot or over the emi tenure??

    Reply
  10. bhunesh

    wow super fast siddh i thought u would explain in details but it just matter of 3 days . smartbuy and amazon doesnt go hand in hand always have issue when u buy from amazon through smart buy . any suggestion how to secure through smartbuy on amazon.

    Reply
  11. Gautam

    There is so much confusion regarding how this will work when you opt for EMI option. The CC team is divided on whether, in the case on Amazon EMI transaction, only 4x points will be posted or 9x after each month EMI posted to the card. One CCE told me that that they have sought clarification from the backend team. Others may share whatever information they have here.

    Reply
  12. Akshay

    Are these offers on Amazon/Flipkart valid on EMI transactions as well or only on full payment ones. Went through the terms and conditions, but didn’t get complete clarity.

    Reply
    1. Shri

      Sid – can you confirm that 17500 cap on DCB is for the incremental bonus rewards.

      One has no limit on regular 1x earning regardless of the spend. E.g. if the spend is 1.5L in Dec, one would earn regular 5000 points and then new incremental bonus capped at 17500. Right?

      Reply
  13. Himanshu

    I have already made a transaction of 70K on Amazon and the order is not dispatched, if I cancel that will I still get 7500+10000 points on DCB?

    Reply
    1. Rohit

      @Praveen A
      Had the same doubt. But did not want to take risk using payzaap šŸ™‚ Can anyone confirm this ?

      Reply
  14. mohit

    Agreed it is a great offer.

    Dont understand why one would waste the money on an untested arm macbook chip though if there are much better and lighter options on the windows/Linux side that have much better games and apps support.

    Reply
      1. Nikhil

        I have used mac (Both personal & business variant), I can say with full responsibility that it sucks in front of windows experience. Except good battery performance, everything else is horribly wrong. Iphones can be different story though

        Reply
        1. Prashant Gupta

          Nikhil I dont think so. The experience is better than windows but if you are used to windows and use Mac intermittently than you will not like Mac.

          Reply
  15. Keyur

    I had bought an Amazon voucher for 5k earlier this month, now it’s not even letting me buy Flipkart voucher. Is the 5k limit per month cumulative of both amazon and flipkart voucher? T&C clearly states it’s different, but it doesn’t let me buy.. I have another smartbuy account but can’t use that with the same Credit card as gyftr then blocks that card..

    Reply
    1. HeMan

      Yes, Gyftr is not allowing me to use my DCB to purchase Instant Vouchers now.
      I had used it to purchase Instant Vouchers of Amazon on my Gyftr account, but when I tried to use it for purchasing Amazon vouchers on Gyftr account of my family member, the transaction is failing each time without even reaching the OTP stage.
      @ Sid / others : Can anyone help on this ? Why is this happening ?

      Reply
      1. Keyur

        Hmmm, though my problem is different – I bought Amazon voucher of 5k and now it is not allowing me to buy a flipkart voucher of 5k from my own account..

        Reply
      2. Ankur

        Blocked due to using 1 card on multiple gyftr accounts.

        In how many days gap did you use the card on 2nd account?

        (It will get unblocked around 30-40 days from the day it got blocked)

        Reply
        1. Keyur

          No, I did not use the card on multiple accounts.
          Also, my card is not blocked – am able to buy uber vouchers, just not able to buy flipkart.

          Reply
          1. Ankur

            Yes, they will block only Amazon & Flipkart vouchers. You are free to buy all other vouchers. Do re-check if you used your card in another gyftr account in the same month

  16. Mohit

    Great offer.

    Be careful though not to spend just for the sake of it. You save 100% on the money you don’t spend šŸ™‚

    There are much much better options available than the overpriced iphones, especially in India. Unless you are a person who just likes to show off, go for other options.

    If you are a casual user just go for a pixel and save the rest instead of wasting it. Power users can go for other options. Dont go for the Exynos Chip in Samsung, go for Snapdragon variant if available or go with other manufacturers.

    Reply
    1. Rohit

      Haha so True. Hdfc is sort of following american way of trapping people by giving high limits then luring people to spend and then some getting trapped by not able to pay then they say we will convert to EMI I and bank makes money out of it. My luck was from very long I wanted to upgrade dslr, phone watch and luckily that moment I got upgrade to my card. And once upon a time 10x was there only for flights and hotel and addition of instant voucher is a great thing.
      Other than that buying for the sake of 10x is not a good idea.

      Reply
  17. Dhruv Soni

    The only annoying part – these Diwali and New Year offers got rolled out in the last 10 days of the month when quite a few of us had already spent/bought vouchers to the tune of 22k and hit the max 10x rewards for the month

    Reply
  18. ajay

    1. Its BEST offer if you had plans to purchase something to the tune of 80k.

    2. Its a TRAP otherwise. For DCB – 22.5k will give you 7.5k points. 27.5k spend till 50k will not give anything. 20k from 70k will give you another 10k. So, after the usual 22.5k, its 10k points for a 47.5k spend for a 21% approx reward rate. Now the reason this is a trap is, you can usually get 33% reward rate by buying vouchers and spend as your wish. So, it allures you to spend extra by giving a lower reward rate unless you had plans then point 1 holds.

    3. For Infinia, its a Great offer but only marginally better. You get 30k points on 80k spend for a 37.5% reward rate. You would usually get 33% reward rate if you spread out 50k and 30k spend over two cycles. So, it lures you to forward your spend.

    4. People who are just spending to earn those marginal rewards are the big losers here. It is only making you spend more. Of course if you had plans then 1 holds.

    I hold both DCB and Infinia. Having earned around 15 lac points!!! over the past 4 years I am done now. I have spent around 1 crore gross on credit cards over the past 4 year.

    Reply
    1. dimmu

      15 % RETURN not that great… we usually use this card only for 10x… wish we get 10x on purchase of stocks …

      Reply
    2. Shivi

      You are a bit late with those calculations, Ajay. Infinia/DCB no longer gives you 33~% reward rates on amazon and you can’t buy amazon vouchers for over 5k per month.
      People who would be spending now are the ones who would have kept themselves updated with the changing tnc of the offers.

      Reply
      1. ajay

        I know, have been playing for long. You are also right in your assessment. I only meant you can still get most of the products electronics, apparel, travel, etc through other vendors like croma, lifestyle, etc and still get 33% off. There is no limit there. So, ppl pulling forward their spend are not better in one way or other. Of course people who were using for other uses can’t do much now. But for them also this 15x offer didn’t provide anything.

        *Croma prices could be 10% higher but marginal difference.

        Reply
  19. j

    If I buy gift cards from amazon (not gyftr as it has a 5000 rs/mth limit) worth 70K, will I still get the 10X points for first 50K and 15x points for 20K balance? I dont have anything I want to buy right now but dont want to miss on the offer.

    Reply
    1. Mo

      Offer is not applicable on Amazon and Flipkart on following categories

      a. Flight Bookings, Prepaid / Gift Cards, Bill Payments & Recharges
      b. Purchase of Video Gaming Consoles & Hardware
      c. Prime membership
      d. Amazon Fresh orders
      e. Amazon Pay Balance
      f. Jewellery / Gold coins or its equivalent’

      Reply
    2. Krishnakumar

      No.You will have to use smart buy hyperlink. It does not allow you to buy more than Rs 5k in a month

      Reply
    3. dev

      Never tried that as buying gift voucher was not eligible for the offer previously.. Also u cant track the

      Reply
    4. Mukul

      As per T&C
      Offer is not applicable on Amazon and Flipkart on following categories
      a. Flight Bookings, Prepaid / Gift Cards, Bill Payments & Recharges

      b. Purchase of Video Gaming Consoles & Hardware

      c. Prime membership

      d. Amazon Fresh orders

      e. Amazon Pay Balance

      f. Jewellery / Gold coins or its equivalent’

      Reply
  20. Lav

    Can you pay part of the total price on amazon using Amazon Pay balance. Will I accrue 10x rewards on the balance paid by my DCB?

    Reply
    1. Lav

      Called up the concierge and yes she confirmed this. The balance paid via the card will accrue the reward points

      Reply
    2. Mukul

      Yes you should still get as long as you land on amazon page via SmartBuy and add items into cart after that.

      Reply
  21. Jay

    Has anybody bought computer hardware – processor / motherboard / ram / cabinet etc from Amazon using Infina / DCB ? In terms and conditions for 10x offers they have a clause which says 10x is not applicable on “Video Game Consoles and Hardware”. Not sure if they mean video game hardware or all computer components.

    Reply
  22. Mohit

    I feel I don’t get extra points all the times. I shop on amazon as they have asked. Is there any trick around to confirm that you did correctly?

    Reply
  23. AbhiKohli

    OMG ! So much to go through for an offer, looks like preparing for some competitive exam. Thanks but no thanks. Why did they even come up with an offer for which they have to write an essay explaining T&Cs. Instead of going through all this, I’d better pretend as I don’t know about any such offer going on.

    Reply
  24. saurabh jain

    Can anyone tell for Infinia card, in normal days how much maximum we can spend on amazon to get 5x points (other than 5k amazon voucher per month?

    Reply
      1. saurabh

        Thanks Shivi. Does that mean i can spend for approx 99,999 per amazon and can get back 20k approx in the form of 5X points? Is that correct?

        Reply
        1. Shivi

          @ Saurabh – As per updated TnC, it’s Rs.45,000/- per month for Infinia. Max RP you can earn is 15k/month

          Reply
  25. SHIv

    This is a super offer and I wanted to avail for ipad mini 256gb….. However on Amazon there was also another offer of 3000 instant discount on that which was not getting applied and I was consulting Amazon for same…now I noticed that issue is still open and now 25th is over. Missed this train. Will see if there will be new year offer….even on flipkart 3000 instant discount is applicable on hdfc cards apart from this 15x points.

    Reply
  26. Sachin

    Has any experience “Transaction Failure” error message while buying instant voucher using credit card? I am not able to buy any voucher. After entering credit card details, i am not able to see 2nd step authentication page rather I get “transaction failure!” error.

    Reply
  27. Points Addict

    If we order product on Amazon through smartbuy and later cancel it for a refund to Amazon pay wallet, would 9x still be credited? šŸ™‚

    Reply
  28. Gkcards

    Generally these days I don’t buy electronics from amazon/flipkart (current offer was for few days). Buy from croma with vouchers purchased from smartbuy, can utilize full 10x limit

    Reply
  29. Xander

    Is anyone able to successfully purchase HDFC SmartBuy Instant Vouchers? I’ve been getting “Transaction Failure” and “Unable to fetch transaction” errors for the past 7-10 days now.

    Reply
    1. Gautam Garg

      Saurabh, the current conversion rate is 30p per point and you can it by visiting Redeem Reward Points section in HDFC net banking website.

      Reply
    2. MT

      0.3rs/point , useless to do it in my opinion , rather take amazon vouchers for 0.5rs/point

      Reply
      1. saurabh

        Thanks , 0.5 amazon seems better deal. Also can i use these points on international flights?

        Reply
        1. Shivi

          For flights and hotels, the redemption value is Re.1 per RP. Yes, you can use points on Intl. flights which is actually best value for RP

          Reply
  30. Rohit

    Guys did you get bonus 9x or 6x for Amazon and flipkart during extra savings sale . To my shock I noticed that for September and also November month bank has just credited 4x for Amazon instead of 9x. Worst part is for November month bank said that not even it is registered has smart buy purchase and are not ready to give explanation after 1 hour long call why only 5500 points is credited instead of 7400 for DCB.
    I have screen shots for smart buy transaction so what’s next level of escalation?

    Reply
    1. Shivi

      Amazon doesn’t’ give 9x more. Only 4x – It’s in the TnC. Read it if you have the screenshot of the TnCs too.
      RPs are credited 90 days after the end of transaction month & you get a sms updating you about the same.

      Reply
      1. Rohit

        9x is given under special sale in the name “extra savings” which last for 3 days.
        Whether Nov month 9x points are credited?
        I am getting all wrong credits and customer care are also confused or avoiding.

        Reply
        1. Ankur

          I enquired the same about my purchase during the Extra savings festival. I was told by CC that the usual 5X was given already and the bonus 5x will be credited in 90 days.

          Reply
          1. Rohit

            SO additional 5x you woud get after 180 days ? Thats BS no where it was mentioned. Better raise complaint and have ticket number.

  31. Harman

    If anyone can explain, is HDFC Prefrred/Imperia banking worth it?
    Means is there a chance of upgrades/LE offers if I opt for it?

    Reply
    1. Rohit

      Not worth it, unless you want some credit card upgrade which is also not guaranteed.

      Reply
    2. Shivi

      Preferred would usually pave the way for Infinia. This is more helpful if you are living in a non credit card sourcing location.
      Imperia, imho, is pretty lackluster wrt the benefits it provides and the customer care executives/ RMs compared to ICICI’s premium offering. The only good thing with Imperia is, well, a rent-free locker!

      Reply
      1. Satish Kumar Agarwal

        Other good thing is that they offered me 0.25% on demat as compared to regular 0.5% on delivery related transactions. Don’t know whether it’s available as Imperia benefit or that was a customized offer for me.

        Reply
        1. Shivi

          0.25(!) is high! They are offering 0.25 for first year for all newImperia/DeMat account holders.

          HDFC offers 0.10 too – Get that if you churn your portfolio a lot or are short term investor or one with medium volumes (over 30L/yr)

          Imperia as such won’t give you any DeMat benefit other than no charge on yearly account maintenance fees that’s 500-750 per year.

          Reply
  32. Deepinder

    HDFC has started showing upfront discount and net effective price on insta vouchers. What is that calculation? Seems off. For eg for a 250 rs voucher on DCB it shows the below:

    Upfront Discount : INR 250
    Regular Reward Points : 5
    Bonus Reward Points : 45
    Value of Reward Points: 50
    Net Effective Price : 200

    What is this calculation? Shouldn’t the no. of reward points be 0.33*250 = 82 (rounded down) ?

    Reply
    1. Mukul

      IT NEVER WORK THIS WAY. for 250 rs you get only 5 reward points as it is always in multiple of 150 and 9X point is 45 so in total you will save 5+45=50 rs. For 150-299 it is 50 rs saving. For 300 it will be 100 rs.

      Reply
    2. Shivi

      Their calculation is correct. Your understanding of RP is wrong. HDFC RP is not on pro rata basis like that of SC Ultimate. Start again

      Reply
    3. Ankur M

      Rewards points are calculated on the transaction amount, Every Rs. 150 earns you 5 Reward Points, and 9x is accelerated on the base reward point rate.

      For Rs. 250, you earn 5 RP, and 45 Bonus RP.
      For Rs. 300, you earn 10 RP, and 90 Bonus RP.
      For Rs. 400, you earn 10 RP, and 90 Bonus RP and so on.

      Hope now you understand.

      Reply
    4. Jay

      Can somebody please let me know if my calculation of reward value is correct ?

      (Amount to be spent / 150) lower roundoff x 5 x multiplier (1x, 5x, 10x) points.
      Actual real world value = 1/2 of that for actual reward value, assuming Amazon gift voucher redemption.

      Eg: 5000 Instant Voucher purchase = 5000 / 150 x 5 x 10 = 1650 reward points. 1x is credited immediately so 1485 would be credited later. 1650 / 2 = 825. So you’d be saving 825 rupees for every 5000 spent on Amazon. (Ignoring the redemption fees). So, 16.5% savings.

      Reply
  33. KARTIKAY GAUR

    Did anyone receive the 9x points for Amazon (for items bought during this sale)?
    Thanks!

    Reply
      1. KARTIKAY GAUR

        Thanks a lot Shivi, but the offer t&c link shows the offer as expired and I can’t access the t&c.

        Reply
  34. Nexuson

    Looks like this offer be active again from 28-30th Jan.. Iā€™m still wondering how the emi transactions are treated.. anyone can throw some light on this??

    Reply
  35. Tushar M

    Hdfc has a discount of 6000 on iphone, how are the rewards calculated on dcb if i buy with EMi option?

    Reply
  36. dealhunter

    be careful ā€“ HDFC is not giving any reward points if you buy 5000 voucher, but giving on less denominations only

    Reply
  37. Ankur

    After reading the T&C several times, I am still confused regarding my particular issue:

    I have exhausted my monthly 7500 points on DCB (on travel booking, not on Amazon). Will purchasing from Amazon (below 50K) provide me an additional 7500 points to get? T&C says only if you have exhausted your monthly 7500 limit by using 5X/3X on Amazon/Flipkart, you wont get additional points to work with.

    Reply
  38. AKSHAY MITTAL

    Anyone received 9X points on Dec sale for purchase on Amazon?

    Reply
    1. AKSHAY MITTAL

      I contacted customer care. They told it should be credited by 1st weekend of April. Please comment here whenever someone receives them.

      Reply
      1. AKSHAY MITTAL

        I received the points today but they are very less as compared to what actual should have been credited. Raised a ticket for same.

        Reply
        1. Rohit

          @AKSHAY MITTAL
          I stopped purchasing during 10x and 15x sale because my purchase was denied last November that I never even used smart buy. It came as regular purchase. Inspite of having screenshot it is difficult to convince hdfc and I left it because it was a small amount of 3k or something compared to people complaining on 70k worth purchase . Anyways it’s always not like that but risk is high if you purchase products worth 50k or more and generally takes 90 days for additional bonus points to credit.

          Reply
          1. Ankur M

            I have noticed when paying with HDFC cards using Smartbuy, never enter Bank OTP at Amazon Page instead enter on HDFC OTP Page after confirming the merchant name should show as “SMARTBUY” and nothing else, or close the tab/cancel that order and again place the order going through the complete process starting with Smartbuy Page by entering Mobile Number + Card 4 digit and so forth.

        2. Lav Kanodia

          The bonus reward points had a capping of 7500/15000RP for first 50k and 10000/15000RP above 50k for DCB/Infinia. You may check with the HDFC CC Team after recomputing that. Also, the spends were to be made during the 3 days of the offer. Pretty much jumping through the hoops. In case of discrepancies, usually it is due to some misunderstanding of the terms on our part. I too made a mistake but later on realised that they had credited the points correctly. The capping was 7500RP (bonus) and bonus points (9x) received earlier in the month towards GYFTR InstaVouchers purchased were deducted to arrive at the correct figures.

          Reply
  39. Ankur M

    December Month super accelerated points are now being credited starting April 12, 2021.

    Confirmed by Customer Service Representative.

    Reply
    1. Rohit

      @Ankur M
      For smaller amount Amazon doesn’t route the site to hdfc otp authentication but only at Amazon and I have noticed that if your purchase is less than 1000 sometimes I did not even get any authentication

      Reply
      1. Ankur M

        Hi
        There is always a link to redirect to bank page to complete the OTP authentication just below the OTP box.

        Clicking on it will redirect you to HDFC Bank OTP page.

        Though I have never tried >5000 amount using Smartbuy, so not sure about that.

        Thanks

        Reply
  40. KARTIKAY GAUR

    Got only 3350 points on an Amazon purchase of 20249. Whereas, ideally I should have received 6700 points. Will raise a complaint soon.

    Reply
    1. Lav Kanodia

      Kartikay , do check if you’ve already received the balance of 3,350RP in an earlier month (most probably January 2021). They gave the first 5x (regular RP) in Jan 2021 and only the balance of accelerated RPs have been credited now on the 12th of April, 2021, (balance 5x or 10x) subject to RP caps as applicable.

      Reply
      1. KARTIKAY GAUR

        Thanks for the reply Lav. I had missed the 5x credited in January.

        Reply
    2. Ankur M

      Lets assume the amount as Rs. 20249/- in Dec 2020.

      On 1st Jan you got 1x + 4x (Accelerated) = Totaling 5x points

      Base Points Calculation Variable: 20249/150 = 134

      1st Jan 2021 Points:
      1x => 134*5 = 670 RP
      4x => 134*20 = 2680 RP
      Total => 3350 RP

      Now, In April 2021, the bonus points posting is as below:
      Since you received 4x accelerated points in Jan2021 and to make it total to 9x, 5x points are pending. (1x + 9x = 10x)

      Pending April 2021 Points:
      5x=> 134*25 = 3350
      Total (Jan+April) => 3350 + 3350 = 6700 RP

      So total you received 6700 RP which is 10x of 20249.

      Hope this makes you clear, how they have calculated the bonus points.

      Reply
  41. Abhishek Pothireddy

    Is the extra savings sale not happening anymore? Earlier it used to happen once a month..but it didnt happen in April and nothing till now in May. So i am wondering if HDFC has stopped this promotion completely??

    It will be sad if they discontinue it.

    Reply
    1. Rohit

      @Abhishek Pothireddy
      I have been buying 5k voucher every month from past 1 year. Hdfc has given infinia to all now so basically I really doubt whether 15x would return.

      Reply
    2. Saurabh

      I need to buy a laptop too. Waiting for the offer in May.

      Please let us know if it gets extended in May.

      Reply
  42. Abhishek Reddy

    Hi, I purchased a MacBook air recently and I got an instant discount of 6000 as part of HDFC promotion. I also purchased this via the smartbuy route and to avail the 5x points. Can you please confirm if I would receive both the offers..or will miss out on 5x benefit?

    Reply
  43. Chirayu Agrawal

    Hey guys, did this offer come in may? And do you expect it to come in june or july?

    Reply
  44. Rohit

    What has changed now. Did not get 9x for month of June. Previously used to get my month end.

    Reply
    1. Raja

      I also did not get the Smart Buy cashback at the end of June. Any idea why?

      Reply
    2. Ashish Nikhare

      Ya. Me too. Awaiting the same. Very unpredictable. I thought its due to card upgrade. But somehow, why would 9X posting stop.

      Reply
    3. RAGIB MD IQBAL

      I got bonus points added on 3rd & 4th this month. Earlier it used to be 01st of every month. May be coz of the SmartBuy offers from 01-03 july.

      Reply
  45. Ankit Kandoi

    Is the current offer for overall spend on 10x categories or just flipkart & amazon.

    What should i expect as reward points for below spend if i do it today :

    Amazon : 40k
    Flipkart : 30k
    GV on smartbuy portal : 25k

    Can someone please help me with it

    Reply
    1. BHEL BAP RANIPET

      You will get 15000 RP only.

      I am considering that you have DCB or Infinia as you asked about 10x.

      Upper limit for a month is 15k RP only, extra reward points during the smartbuy offer were for spends north of 50k on amazon &/ Flipkart. Examples are provided on smartbuy page.

      Reply
  46. Purna

    I usually get CRED Rent pay 2x reward points in next month itself for Diners Club Black card but this time I did not receive .Any one got it?

    Reply
  47. Anoop

    Hi Guys,
    I’ve a query regarding flight booking through smartbuy.
    When I try to book a flight through smartbuy after selecting the flight in next screen it shows “Apply Coupon / Voucher Code”, which voucher/coupon is meant here I’m not able to understand.
    I know its not asking about redemption code as its entered on the payment selection page.
    So can you please help me understand what this apply coupon is all about and how we get such coupons.
    Thanks.

    Reply
  48. Sannat

    Can anyone confirm if part payment is eligible for this offer ?
    E.g. if I pay 25k using amazon pay balance and 75k from HFDC Infinia will I get 10x points for first 50k and 15x points for rest of 25k ?

    Offer is live again

    Reply
    1. RAGIB

      I think YES but can’t tell for sure.

      In january 2021 i paid a part with flipkart gift card balance and rest through card. I got the accelerated reward points for the amount paid by card.

      Your situation is little different as it is having 2 slabs of RPs.

      Reply
    1. Naveen Kotni

      Most probably from sept 2 i guess. Hdfc shifted this extra saving day from month’s last week to first week.

      Reply
  49. Raja

    Hi Siddharth,

    I have bought few items from amazon during 15X extra savings sale for ~80K. However during transaction, i cancelled my first order and placed the same order on the same day during sale. My statement reflected two debits and next day one got credited. Weirdly i didn’t receive the full reward points this month. My statement shows 15K reward credited and 11K reversed. Called customer care, they have taken complaint, however the executive told that for my first cancelled transaction they have given rewards which exceeded the 15K limit and for the second transaction, no additional reward due to limit. In total I received only ~4K points for August month for the ~80K transaction. Hope HDFC understands the issue and resolve it.

    Sharing this to understand, whether you or any or the community members faced similar issue. Thanks.

    Reply
    1. Rohit

      @raja
      Never ever do that. Its practically very difficult to get points from hdfc. For me worst part was just by clicking on resend OTP it did not record that I have come through smart buy so neither even refresh page when you enter into Amazon from smartbuy. Since my value was 3k I did not escalate and waste further time on it but I still lost 1k points. Hope this helps others too who are purchasing 10x or 15x. I would say delete cookies, history etc and do a neat transaction without cancelling or asking to resend otp or refreshing.

      Reply
    2. Pranab

      Are you sure that it’s 15X for Aug? Don’t think so. Even for July, till now only the 4X is credited. Rest 5X+5X are yet to be credited for me. Your statement doesn’t make any sense. If 15X was credited, the bonus points would be ~29K (not 15K). Also, for bonus 4x only, to get 15K points, you need to spend 112500 (not 80K).
      FYI, the bonus points works on cumulative spends, doesn’t matter how many cancellations were there. In the past, I cancelled one order worth 40K and reordered and still got the bonus points upto monthly limit. There were hundreds of such instances (cancelled order) but those never reduced my full monthly cap.
      For both July & Aug, I spent ~82K each on Amazon during ESD and received bonus 4X (~11K each) for both. 100% sure, I’ll receive the rest 19K points each on Oct & Nov End.

      Reply
      1. Raja

        Yes, there was a sale around August 07, 2021. Even i am not sure how this works. But for my last extra savings buy on Feb for 70K, i got points in two installments. one on march statement for around 12k and another on June statement for 16K after 90 days.

        I believe, it might be system error and HDFC will resolve it. Thanks.

        Reply
      2. Raja

        Thanks Pranab for explaining how it works. I think, in my case, the AI system have miscalculated. Two 80K transactions debits, so 4X of 160K gives you more than 15 K reward limit. When the order got cancelled, refund got credited in two different amounts (78 K and 3 K) because of multiple items from amazon with different order number. so they reversed 11K for the cancelled order. I hope, HDFC will rectify this error, if their backend human team calculates this.

        Reply
      3. Raghu

        How did you arrive at 112500 for extra 15k points on Amazon.. that might be true for Flipkart but for the extra 15k points on Amazon Rs.83,000 is enough.
        33000/150 = 220; 220*5*14 (even if we consider 14x as bonus and 1x as normal points) = 15400 points

        Reply
        1. Pranab

          Please read my comment again: for bonus 4x only, to get 15K points, you need to spend 112500.
          This is for 365 days offer on Amazon Smartbuy (5x). Not for any any special promotions like ESD.

          Reply

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