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

By | December 23, 2020

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

I love credit cards, enjoy travelling for free using reward points & airmiles. Obsessed with business class cabins, airport lounges and luxury hotels.

108 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 🙂 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 🙂

    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? 🙂

    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
  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
  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

Leave a Reply

Your email address will not be published.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