HDFC SmartBuy Extra Saving Days Sale – October 2021

By | October 27, 2021
HDFC SmartBuy Extra Saving Days Sale - October 2021

The day you’ve been waiting for has just arrived. HDFC Bank’s Smartbuy Extra Savings Days is going LIVE between 28th Oct and 30th Oct 2021. Here’s a quick look into the offer for HDFC Infinia & Diners Black credit card holders.

Offer Details

  • Instant Vouchers: 10X on Instant vouchers
  • Amazon: 10X on Amazon spends
  • Flipkart: 6X on Flipkart spends
  • Max. Cap: As per HDFC 10X Rewards SmartBuy limits
  • Offer period: 28th-30th Oct 2021
  • Source

As always, the highlight of the offer is availing the 10X benefit on Instant vouchers and Amazon spends. Other benefits are there as well, but less attractive compared to these.

Given that Instant vouchers are 5X these days as standard, I think running HDFC SmartBuy Savings Days once a month or even once every 2 months is sufficient to save significantly. Let’s hope the offer continues the same way in future as well.

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.

81 thoughts on “HDFC SmartBuy Extra Saving Days Sale – October 2021

  1. amit

    Thanks Sid. If one has already hit monthly RP cap of 15k/7.5k, will this be considered seperately or within that normal cap only ?

    Reply
  2. Sud

    Most people might have exhausted the limit already. Month end plus thanks to FK/AZ sale

    Reply
  3. Nitin Arora

    I think running it at end of festival month, when all of our limits of Max points is over doesn’t serve any purpose.

    Reply
  4. Beginner

    But is the 10x/10% instant voucher offer applicable on Amazon and Flipkart vouchers as well? it continues to be 5x/5% on extra savings day as well it seems

    Reply
  5. Ashok

    But the major change is “If the customer has already shopped before the SmartBuy Sale period and has availed the monthly offer of Rewards points or Cashback on any SmartBuy merchant, the same will be included while computing the max cap mentioned” So if you have already shopped smartbuy cashback limit of Rs.15000 or Rs.7500 then there is no use to you. Before HDFC used to give these extra saving day sale above the monthly limit. Now they’ve become smarter.

    Reply
  6. Rohit

    Good strategy by hdfc I like it. Bringing the offer at end of month when already most of them have maxed out points 😂.
    I luckily have few more left. Can anyone confirm we can use partial flipkart gift card and rest pay using card and still get 6x?

    Reply
    1. Priyansh

      Yes. But you will obviously only get for the amount paid by hdfc ard.

      Reply
      1. Rohit

        @priyansh
        All the wallet amount I got was 10x accumulated from last year 😊. I knew some day or other hdfc would devalue 10x program since they have been giving infinia and dcb to almost all. I have accumulated around 45k in flipkart and rest I will pay using card to get 6x.

        Reply
        1. Sandeep Kumar

          I will advise don’t add flipkart and amazon vouchers until you make purchase. In case your account get blocked due to some reason, you might loose gift card money. These vouchers are sold by amazon at some discount on other platforms so they are not liable for it in case your account is blocked due to voilations of any terms and conditions.

          Reply
          1. manoj singh

            Great advice. Amazon block account if it thinks you are in tofraudulent. Many people buy phone then say that they receive nothing or stones inside it. Many just buy use and return the product. Mostly such acounts are blocked.

          2. Rohit

            @Sandeep Kumar
            I agree its a risk if your number gets locked or sold to some one else. Other than this is I see no risk . I got multiple refunds from flipkart back to wallet when it was a mistake of flipkart. No issue at all. As said unless you do something stupid there are chances of getting locked. Anyways now it makes no sense because of 5x when compared to 6x during extra savings sale.

  7. Rutuja

    Just bought 6000 worth amazon vouchers yesterday. Wish I would have seen this post before buying.

    Any idea if I can cancel the transaction and buy on 10X tomorrow?

    Reply
  8. Naveen

    Sid, how hdfc calculates 10x rewards? Base point x 10x or starignt 10x?

    Reply
    1. Pankaj Singhal

      X on spend and 9x bonus. Both appear separately in the statement.

      Reply
  9. Stalin

    I think, Instant vouchers were 5X last time vs 10 x. Correct me if am wrong

    Reply
  10. Rajesh KSV

    Earlier these reward points used to be very good. Not so much now.

    In good old days, you got 10% cashback + reward points and reward points are worth more
    In fine old days, you got reward points (15x and 10x) and reward points are worth less
    Now, no cashback, no 15x and even reward points value is very less. Sure 10x is still good. But not great any more!

    At this point, I feel Flipkart axis bank credit card is much better (if you have lots of spends on Flipkart) as it gives you 15% discount/cashback – you get 10% instant discount and 5% statement credit rather than reward points(As of now, Flipkart ties up with Axis Bank during big sales). Ofcourse, there are multiple limits under it but those limits are typically practical and is good for most of the users. In case Flipkart doesn’t tie up with Axis bank during sales, then the card isn’t valuable but in last 2 years, it is tying up most of the time!

    If you are buying on Amazon, then may be HDFC is still better as Amazon ICICI card is mostly useless (as Amazon doesn’t tie up with ICICI during major sales)

    Conclusion: HDFC smartbuy offers are turning from great to good and FK Axis Bank Credit card is great (at this point)

    Reply
    1. Dev

      In practical sense HDFC is now devaluing the smartbuy portal to an extent. Prevoiusly in normal days they were givings 10X points on Amazon and vouchers upto max 15k monthly cap, and 15X points with capping of 30k in extra savings days . Now they reduced it to 5x for normal days and 10x for extra savings days with overall monthly 15k capping. Don’t know what will be the next devaluation. Might be reducing from 5x to 2x and monthly cap to 10k. They already stopped 2x for dinings. Infinia is reducing its charm gradually. In near future infinia won’t be able to maintain its position.

      Reply
        1. Nikhil

          DCB was always better post pandemic. I already earned 75K bonus points via pepperfry diner 10X, 12000 vouchers via montly milestones. Now they are giving ola vouchers which makes more sense. Can extra 7500 smartbuy limit cover these benefits? International travel is not happening anyways, so priority pass is not so useful. DCB offline acceptance is not issue in even patna which is tier 2 city. zero refusal till now.

          Reply
  11. Dev

    For this october month extra savings days there won’t be any 15X rewards, only monthly max cap of rp 15000 unlike 30k in the previous offer days.

    Reply
  12. DRsody

    Hello! It allows EMI on 10x vouchers – so if you pickup coupons and convert it into EMI, you can pass it onto the next month’s cap – yes, one will get charged for the emi costs, bringing down the cost savings to about 26% – but that still beats any other card in the market. That is my working theory – feel free to step in and correct, thanks.

    Reply
    1. Ankur M

      Incorrect! The points accrue on EMI amount, and as the Instant Vouchers is now on 5x, you will get only 5x Accelerated rewards in all the EMI months.

      Reply
  13. GS

    Interesting mention in the terms and conditions section under point 6. It says:
    “6. List of Instant Voucher brands and the offer applicable for 28th to 30th Oct’21 is in Annexure 1.“. But I can’t find this Annexure 1 anywhere. Does this mean that extra rewards are not valid on all vouchers and only select few?

    Reply
    1. Rohit

      @gs
      You are right. Flipkart and Amazon is available for 10x but worst part is there is no bigbasket in annexure 1 which is sold out like hot cake.
      Can anyone confirm this if spoken to customer care. Will there be hdfc sale in flipkart after Nov 3 or I should go ahead with 6x purchase. For me 10x voucher of flipkart will not make sense coz I am maxing out on points. My worry is if I wait for hdfc on flipkart and if it doesn’t happen then I would be loosing around 3k worth points.

      Reply
      1. manoj singh

        You can make mix of both. 10000 via vouchers and rest with 3x or 6x whatever applicable

        Reply
  14. Anup Sarda

    At 10X it’s almost like 33% discount…u can easily use it for travel tickets…

    Reply
  15. manoj singh

    I bought it today ₹10000 Amazon gift vouchers. Funny part they show 6700 reward points instead of 3300 reward points.

    Reply
      1. manoj singh

        I have taken screenshot as well for 6700 reward points. We can try if it’s not credited

        Reply
  16. Ankur

    Getting error: Server encountered an internal error and unable to process your request.
    while purchasing Amazon vouchers. Anyone face this?

    Reply
  17. Saurabh

    Is the 10x offer applicable for HDFC card no cost EMI on Amazon too ?

    Reply
  18. TARUN GUPTA

    Hi Siddharth,

    Any idea when can we expect new diners card issuance to resume?

    Reply
    1. Siddharth Post author

      Tough to predict, Tarun. We’ll have to wait atleast till Jan 2022 to get some clarity.

      Reply
  19. Pawan

    –Infinia User–
    I made hotel bookings worth 45k last month and 15k RP were credit for that.
    However, this month I cancelled the booking and have got the refund.
    My question is, if I can make 10X transactions worth 90k this month – to adjust for the 15k cap (since 15k from last month will be reversed this month)

    Reply
    1. Abhishek

      The reversal this month would state reversals for September. So for this months limit, you need to only spend the 50k for the 15,000 points.

      Reply
  20. Shiv

    Now I am confused. Amazon has now instant cash back offer with icici card. If I plan to buy a 10 gm gold of Rs 52000 fro Amazon, I can get instant 3000 back if we spend 30000. I can use Amazon voucher for 10k via smart pay, rest I can make payment with icici to get instant discount. But still if I plan to spend full 52k with hdfc smart buy then reward point comes to 17000. Now shall I go for instant cash discount of 3000 with icici or shall I use entirely hdfc smartbuy. I am planning to buy this coin just to make use of this sale and save on that although I am very tight on pocket as of now. Please advise.

    Reply
    1. Jay

      Before buying gold coin online, check the price for hallmarked coins from local jewelers (including Kalyan etc). Often the physical stores give it for 2-3k less than the online ones. Getting cashbacks & reward points is all good but only sensible when you paying a fair price for it.

      Reply
    2. Prasanth

      Gold coin or jewel not applicable for smartbuy you get 1x reward only

      Reply
      1. Gkcards

        one option could be buy grofers voucher, and then buy gold/silver coin from there. Not many options there, but still

        Reply
  21. Rohit

    Note on purchaseXbox
    People who are planning to buy PS5 or xbox then 6x or 10x is not applicable.Surprised to see this point in terms and conditions.

    Reply
    1. manoj singh

      You can accumulate 10k Amazon pay voucher every month then buy after 2-3 months or so if your voucher are near expiry then order one iPhone or so and cancel the order you will get new one year validity of your expiring vouchers

      Reply
      1. Gkcards

        Once you add vouchers to Amazon Pay, do they still have expiry? I thought anything added to Amazon pay never expires

        Reply
        1. manoj singh

          Amazon and Flipkart vouchers comes with one year expiry by default. Spencer give 6 month expiry.

          Reply
          1. Gkcards

            I meant after that are added to app, like Amazon GV still expire after 12 months after they are added to Amazon pay?

  22. Prasanth

    Anyone tried Jewel/Gold Coin purchase and got Smartbuy Rewards on Infinia?

    Reply
  23. raisscb

    How many of you’ll have received the accelerated rewards for July extra savings days on smarybuy ? I made a high value purchase, the reward points for the same are yet to be credited.

    Reply
  24. Sandeep

    I know this offer over but in general for such offers. I have one credit as well debit card but once I buy 10k amazon vouchers on either card it says maximum limit reached for 30days and I can’t buy more . Any idea to solve this issue .

    Reply
    1. Sid1201

      Use 2 Gyftr accounts. 1 for each card. You can create an account using any secondary number, doesn’t have to be your registered bank number.

      Reply
  25. Gautam Garg

    Hi CardExperts,

    Has anyone received Smartbuy 4x RP for the month of October in their account?

    Reply
      1. Mukul

        Looks like for October month there is some delay in posting 4x and 9x points , now customer service is telling you may get by 14 Nov !

        Reply
  26. Prakash

    Is there any issue with October month smart-buy bonus reward? I have received reward without smart-buy point for DCB. As per customer care they have highlighted this issue but not sure when it will get resolved?

    Reply
    1. Rohit

      Even I did not receive. Provably it has again become 3 months for points to credit?
      Can others confirm whether they deceived Oct month points.

      Reply
      1. Varun

        I have not received smarty buy points of 5x and 10x on either of my infinia and diners black card for month of october.

        Reply
        1. OP

          Looks like back to 90 days,
          got following reply:
          “Based on your mail, we have taken the matter for an appropriate review with regard to your card ending 0XXX. We wish to inform you that, the additional reward points towards the eligible smartbuy transactions will be credited to the card account within 90 working days from the end of transaction month as per the terms and conditions. We request you to bear with us in this interim.”

          Reply
  27. Prasanth

    No one received.Support people says delay in vendor end due to diwali and festival sales.So it will be posted soon or in 90 days i think

    Reply
    1. anand jain

      I received the smartbuy rewards only 4x +1x and not 9x+1x. Did anyone face this type of issue

      Reply
      1. Ramesh

        Mine was same case. Received 4x. But didn’t receive 9x for extra savings days.

        Reply
      2. Sandeep Kumar

        Points for regular 5x or 10x offers are posted after a month. Any more rewards on top of that takes up to 90 days to credit.

        Reply
  28. Gautam Garg

    September Smartbuy sale points credited today for my credit card account.

    Reply
  29. Infin

    Can we expect a similar offer in November’21?

    I am planning to buy some vouchers hence checking.

    Reply
  30. Niju

    Any idea if there would be another Smartbuy Extra Savings day for November.

    Reply
  31. Sandeep Kumar

    I don’t think there will be extra saving days for Nov’21. This has not been a repeat offer always. Might take couple of months to come back.

    Reply
    1. Rohit

      Might be for Christmas they will bring it. Only once they skipped in 2021 or else every month they were having sale.

      Reply
  32. Manoj singh

    What’s the benefit for debit card except 5% which is normal. I have diner and infinia and platinum debit card. I mostly use diners to get milestone benefits till 80000 pm and 7500 smartbuy. If extra required then i use infinia.
    I don’t know how people can use more than 1lac in every month in this corona period.

    Reply
  33. Anoop

    Hi, i got mail from HDFC to redeem for Aug21 gyftr voucher today for DCB. After selecting the vouchers it showed error. I didn’t get vouchers and its not allowing me to login again with same code saying it’s already redeemed.
    If anyone faced such issue or knows how to resolve it please do let know.
    Thanks

    Reply

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