We have time and again stated that HDFC Diners Credit Card is a dream card, simply because of the reason that it has an insane and generous rewarding system of 10X points on selected partners. The 10X RPs scheme has been here for quite long now and it seems it is here to stay. It was there initially till 31st March 2017 but was later extended till 31st July, 2017 and now upto 31st March 2018.
HDFC SmartBuy Offer – 10X Rewards
10X Reward Points with all HDFC Credit Cards
Looks like HDFC has massive success with their Diners 10X program that now they’ve extended it to all HDFC credit cards, though limited to Smartbuy alone for now. This should certainly increase the spends on HDFC cards multifolds and who knows, they might show up on headlines next year that they’ve beaten Amex/Citi on “total spends per card” parameter. Lets wait and see 😉
Updates to HDFC Smartbuy 10X Program
As per new terms and conditions updated on Smartbuy, 10X points will now be credited for all HDFC Credit Cards (including Diners Cards) having points system excluding, Jetprivilege cards, Corporate/Dealer/Commercial Cards.
Highlights of SmartBuy 10X offer:
- The categories were you can earn 10X points are
- Flights
- Hotels
- Recharges
- Bus
- Shopping Via Flipkart
- Bill Payments
- Points will be credited within 90 days of transaction as is the case with Lifestyle. This rule is for all the HDFC Credit cards including HDFC Diners Credit Cards. It’ll be come increasingly difficult to track the extra points now.
- Offer seems to be valid till 31st March, 2018Â (extended from July 2017, then August 2017, then December 2017).
NOTE: As of now, Bill Payments facility in SmartBuy is OFFLINE. The message that pops up there is that they are going to reintroduce Bill Payments with some new partners.
What does this mean?
It is immensely beneficial for most HDFC Credit card holders. The categories that have been introduced in SmartBuy can be very useful. For recharges, no website can give you 10X points. Even their own HDFC Diners Website gives 2X points only. When Bill Payments will be introduced, I am pretty confident that Electricity Payments, Gas Payments, Charity and Magazine subscriptions too may be.
In a nutshell, you benefit more than ever with the HDFC Diners 10X program now.
Do let us know your views of the recent changes in the comments section below. What will be your strategy to earn more value from this change and how?
For Diners card as well the reward points would be credited in 90 days.
Here are the terms from HDFC Diners website
4. Incremental Reward Points will be posted in the next statement from the statement cycle of transaction, except for Lifestyle , SmartBuy which will be posted within 90 days of the transaction month.
Ok. This particular information I might have missed or when I last checked, it wasn’t there. I have added it now. Thanks. So it seems, we will have to wait till 3 months before we get to know the points. It becomes, increasingly difficult to track the points this way.
Does this 10X offer RP applies for “Compare and Shop” as well?. If yes, We can use Amazon as well.
Amazon is in their 10x list directly. If you pay with diners card on amazon app/website, 10x points get credited automatically.
Hi, i had a chat with the cc rep, as per their input, 25000 limit for smartbuy is in addition to 25000 point limit of diners black. So, if you exhausted your diners black limit of 25000, you use buy in amazon through smartbuy. I tried to shop in compare&shop category, before payment, smartbuy is asking for cc details and redirecting it to amazon website.
So, for diners black cardholders, max 50000 points through smartbuy and 8 10X partners.
Donot take words from phonebankers. They’re clueless of even 10x rewards program.
Problem is, if they don’t credit the points, you don’t have a proof for that to dispute.
Hence i would say its just hit or miss.
True. Its there in Diners terms and condition.
Maximum total reward points that can be earned per statement cycle across all the above merchants except Smartbuy as below:
HDFC Bank Diners Rewardz Card – 2,000 reward points
HDFC Bank Diners Premium Card – 5,000 reward points
HDFC Bank Diners Black Card – 25,000 reward points
HDFC payment gateway has been added newly in Tamilnadu Electricity Board payment options . So , now you can use your Diners club card for EB payments in Tamilnadu. I hope that TNEB will be added to smart buy and Payzapp also. Also , since RUPAY cards have partnered with DISCOVER , which is also a payment partner of Diners club , now we can expect the Diners Club Cards acceptability to Reach 100% in the very near future.
Nice find on TNEB payments. I’ll get it checked next time.
Exactly what I’ds the flipkart offer through Smart buy..
How to ise flipkart from smartbuy. When we click on it we eventually exit the smartbuy site. Also, it says max points that we can earn is 25000 but for some cards max 10x points limits is low. Like for sdiners oremium its 5000 points. How will it work for both of them ?
Reg. FK, it should be tracked using their affiliate ID or maybe even some other kind of tracking.
Reg. the limits on diners cards, its not 100% clear yet as both promos overlap!
Any update on this? Max limit of points per month. Else i start shopping for 1 lakh every month on flipkart 😀
Is there a difference between smartpay and smartbuy?
And if there is – is there a way to convert smartpay payments to those on this portal? (I mean standing instructions to pay bills) – there are many with decent size instructions because of the old 10x offer for this.
I’m afraid they are different and they can’t be converted.
Recently hdfc has stop rewards points on e-wallets,
Does it also effects payz app and is payz app is also includes in 10x points.
I don’t think PayZapp will accrue points. But at this point, it’s a difficult to say. We will have to wait and watch.
Tried Smartbuy for bill payment of Vodafone postpaid 3-4 times…failed on all the occasions
I guess they’ll take some time before they streamline the process.
Hi Abhishek,
Can i use Diners reward points to pay some amount on smartBuy site?
Regards,
Vineet
No you can’t. Those points are redeemable only in their Diners website portal.
AR,
Those point are also redeemable at HDFC Rewards catalog.
Click the reward redemption tab in HDFC net banking.
Those who are clue less when to fly higher, can redeem rewards points on iPhone or Needles.
However the conversions rate are 1RP = INR .25~0.30 and ratio vary for different card.
How will HDFC identify wallet and non wallet transaction (for eg. Paytm) between loading money in wallet and making direct payment for shopping/bill payment.
Also is there a list of wallet merchants disclosed by HDFC?
Hi Abhishek. Sid.
Is this 10x points applicable on purchase from amazon if I go via “compare & shop” link on the SmartBuy site? Wanted to make the most of my Regalia card for the Amazon prime sale tomorrow.
I am a big fan of the blog. Thanks a lot for keeping us updated with such quality content.
Regards,
Shrey
See, the worst that could happen is that you might not get 10X points. If you really want to buy something, buy it through the Smartbuy link that you’re talking about. You ain’t at loss anyhow. However, if you’re just buying as you MIGHT get 10X points and thereby get a huge discount, I’ll say don’t do that.
Any idea, for Amazon prime day offer today (10/07/2017) there is 15% cashback with HDFC cards. Will we also get 20% (point value) as HDFC diners premium 10x incentives?
following… Can admin answer this question?
I think you won’t get 15%. The terms and conditions of Diners 10X program specifically say that this offer cannot be used with any other offer. So I’m a bit sceptical. Still give it a try and let us know.
Can I buy using Smartbuy (Amazon) and get10x rewards (Max – 25000 Maximum Reward points that could be earned is 25000 per month on your credit card) It also says “Diners Club Card customers cannot club the 10X benefit with any of the existing programs with the Diners”
You don’t need Smartbuy to earn points from Amazon. Amazon is a 10X partner anyways. Whatever you spend, you get 10X points on Amazon.
I bought a smartphone Honor 8 Pro 29999 but I can only see 1391 Rewards points on my statement this month. How to check rewards points earned according to amount spent. Something like PayBack.
I pinged the amazon CS in regard to this query. He said the 15% CB is a separate entity and the reward point business is separate. The transaction will accrue both CB and RPs.
it will work bro bcoz if diners card r not eligible they would hve mentioned in ther terms…
Is the site actually working?
Flight booking failed 7 times
Airtel postpaid payment failed 2 times.
I have Redgirraffe Rent pay set up on an Infinia Card via HDFC Smart pay. Hence does it mean I am not getting 3.3% x 10x = 33% reward points? In that case on a rent of say 1 lakh I get points worth 33,000?!
Sounds too good to be true!
Hi,
Smartpay is different from Smartbuy.
Looks like 10X is back on DCB with MMT! 5X on other HDFC Cards!
Regards
Yes it does, got the article live as well 🙂
Looks like HDFC is enabling all promos they did last year this time.
Where is MakeMyTrip offer for 10x? I can still see same old list from last month. Or you mean via SmartBuy?
Well, it doesn’t come directly under the 10X partners. It’s a new scheme. You can find more details about it on Smartbuy offers section and on MMT website.
I have regalia card so for every 150INR spend on smart buy as per offer i will get 40points instead of 4 or 44points (4points + 10X)
You will get 40 points 4+9X.
it seems they have withdrawn payzapp from this offer?
Lol. yes. shortly after i wrote an escalation mail. Not sure if that was the trigger 😛
Carnage by HDFC for Diners rewardz and premium cards. Large devaluation. Lounge access over on Rewards card, restricted to 6 for premium card.
Now most of the Freebies, rewards value and lounge access is being withdrawn from 15 August… time to change diners club credit card. For ex diner rewards cards – Complimentary lounge access will be withdrawn, w.e.f 15th August 2017.
Sid, only 4 days to go-do you expect the 10X programme on DC to be extended further?
I doubt, considering the recent changes.
Good news! 10x smart buy offer extended till 31st December.
Smartbuy 10X offer extended til december 31 2017. More savings 😊
It seems they have now removed the bill payments and recharge from the Smartbuy page, cant see those options now in the revamped layout. Sid, can you please confirm? Devaluations to continue it seems!
Mobile Bill Payment / Recharge no more available on SmartBuy website.
Is 10X points applicable for all transaction on PayZapp? I would specifically want to know if its applicable on Mobile Bill Payment through PayZapp?
P.S. I called up HDFC Payzapp helpline and they are clueless.
Yes 10X points in applicable on all payments with PayZapp, however, PayZapp doesn’t support Diners Cards.
so another bad news: recharge and bill payment facility has been withdrawn from smartbuy website.
It seems so Prashant. However this was always coming considering the fact that after the 10X offer was introduced on Smartbuy, they never went live with bill payments.
But can we use HDFC Regalia on PayZapp to pay mobile / utility bill and still earn 10x points?
See, you’ll get 10X points only if the payment modality is PayZapp. Means the payment has to be through PayZapp. If you are redirected to some other side and there you chose a different payment options, you won’t get 10X points.
10x on Lifestyle is back till 19th Oct (Diwali)
Yesterday, saw that Amazon link is added to samrtbuy. Go into ‘compare and shop’ and scroll at bottom. On clicking on it and proceed, it asks to select 10x offer.
Does this mean extra 25k points on Amazon via diners card (on top of 25k directly from amazon)?.
Anyone checked with cc?
No, it will not be counted as double points.
No, however you can count extra jp miles + diner 10x rewards on clicking Amazon.in in jp priveledge website.
Debbarma, are you aware of this clause “Credit of Bonus JPMiles shall take effect only subsequent to the credit of Base JPMiles earned in accordance with the Online Affiliate Policy available at shop.jetprivilege.com.” Can you throw some light on the same? Have you availed this offer earlier?
Just proceed with the transaction. You will get a mail mail from JP stating how many miles you stand to earn and when it will be credited. Usually this is 75 days after the transaction has been initiated to account for cancellations.
Hi Abhishek, suppose I go to Amazon from payzqpp and instead of shopping I add Amazon pay balance through my HDFC regalia. Will I still get 10x rewards?? If not then how much reward points?
I don’t think so. I haven’t checked. I have a Diners Card so I get 10X for Amazon.
Hi, can anyone confirm, if we get full reward points for transactions which are not multiple of 150. If I get x points per 150 rs. How much reward points do I get if I do a transaction of Rs 290. x or x*29/15.
It’s difficult to say, you’ll have to see that for yourself when you get those points.
You will get 150/150*5*10
Points are dor every Rs150 spent not in fraction like earlier.
I’m using Diners black for past 4 months and my observations as follows,
For 1X rewards, now it’s only on multiples of Rs.150. I think, recently(from September) they changed formula in their reward system from round(spent/30) to (spent%150)*5.
For example, Rs.290 spending yield you 10(round(290/30)) reward points before and now only 5((290%150)*5) reward points.
For 10X rewards(Amazon, BigBasket, RedBus), it’s still the old formula(round(totalSpending/3)*0.9), while they credit the remaining 9X rewards(+1X reward already credited) on next day of the bill cycle.
For example, if your total spending under 10X category is Rs.10,000, then you’ll get 3,000(round(10,000/3)*0.9)) reward points(+330 as 1X, which is already credited).
Yes, this has been reported by many users.
For Rs.10000 u will get points on rs.9900 i.e 3300 points and not 3330. I have got like this in last and this statement.
I received 3,330 points per Rs.10,000 on 10X(330 as 1X after 2-3 days of transaction and 3000 on next day of bill generation).
cant be the case. in my current statement also i got the points same way. You can check yourself by doing transaction of Rs.200 that you will get 5 points and not 6.66.
In case of 1X, yes that’s what I am also saying 5 reward points((200%150)*5) for Rs.200. But for remaining 9X getting credited on next day of bill generation, it’ll be 60 reward points(round(200/3)*0.9). In my last statement for remaining 9X(which is getting credited on next day of bill generation), I got 11,587 reward points((round(38,623.82/3)*0.9)) for total 10X eligible transactions of Rs.38,623.82.
Thanks everyone for the explanation. Still I am not able to match. I recvd ~1300 points less than calculated.It is actually very hard to track points nowadays.
Interesting ramesh. Anyways hdfc have their own ways which we can only guess. I did a ourchase in oifestyle in june and have still not received the points. Raised complainy many time. Same thing happened with one of my earlier lifestyle transaction i got points in 4 monts that too i had to prove those idiots that the offer was there at that time by sending a snapshot of the offer.
Btw i have been noticing that i am getting some less 9x police nts in last 2 statements. But one is helpless as cut care is pathetic no point of raising issue with them.
Hi Abhishek,
I Have HDFC Diners premium CC.
As per terms and condition, I accumulate maximum 5000 (10X points) per statement cycle.
But in HDFC Smarybuy, it mentioned that 25000 Maximum Reward points that could be earned per month on your credit card.
So, i m confused.
Pls clear my doubt that, i am eligible after 5000 points in one statement cycle in smart buy purchase?
For Example,
In Amazone I purchased one mobile of Rs 18750/- by My diners Premium CC and as per 10x programmed of Diners club premium credit card, I will get 10x (5000 Rewardz Point)
Now, I purchase or book flight tickets via HDFC smart buy on same statement cycle, so in this case
Can I eligible for 10X point? bcoz its cross 5000 points
Well, Diners Premium can accumulate 5000 RPs through it’s dedicated 10X partner merchants like Amazon, Uber, Redbus etc. But through the Smartbuy offer ANY HDFC Credit Card including Diners Premium Can accrue upto 25000 RPs over and above the other earning schemes.
So, after Shopping of 18750 Rs in Amazone (mens after earning 5000 RP) , If i book Tickets or tour package of Rs 1 Laks through Make My trip, Then I am eligible for additionally 25000 RP ?
Pls revert.
MMT is not a 10X partner. I told about SmartBuy
Dear Thanks for revert
But in Smartbuy page, There is compare and Fly, compare and buy, flipkart etc option is there, if i book via this link then , Can i eligible for 10X points upto 25000????
If possible, can you share the 10X partner of smartbuy.
Yes, 2 days back I confirmed from Smartbuy people that any link from Smartbuy is eligible for 10X points. But I haven’t confirmed myself by getting points.
ohh….Ok thnks for info
Is 10X points available on shopping on flipkart via Smartbuy?
It’s hard to believe how they are doing this. If I buy something from Smart Buy worth 1 Lakh I get ((1,00,000/150)*(5*10)) = 33,333 points if I have infinia. I get 25,000 points (max limit). Thats a 25% discount on the purchase as I can use those 25,000 points in be used in 1-1 ratio on hdfcbankinfinia.com. 25% DISCOUNT on all purchases on Smart Buy. Is that how it works?
Yes, this is how it works for more than a year with different 10x partners and smartbuy
Is 10x reward points available for shopping gift cards from flipkart through smart buy ?
Hey Sid,
You may want to update the article once again. Just spoke to Smartbuy helpline and they have confirmed that the 10x reward points/5% cashback offer has been extended once again and this time upto 31st March 2018. Great news to being the new year with 🙂
Happy new year to you and all your blog readers.
Cheers,
Siddharth
HI,
Has anyone actually recieved 10X points from flipkart via Smartbuy transactions. Its been almost 4 months & i am waiting dor around 11K points. Rigorous follow up with customer care have all gone in vain no resolution yet.
Same with me also and I gave up
My oldest card is from HDFC and all these years their customer service team would have to be consistently the worst. They forget the promo they run when it comes to credit of points and Amazon vouchers. I wonder how would someone tally the points credit. It is not even part of the statement along with each spends. Too much dependency on Machine Learning and Chennai team ( GOD team ) I dear say !
Offer extended till 30 Sep 2018
Wonderful!!
Its only for smartbuy as of now. No info for intx and other 10x partners.
Yes.
Is there any limit on points accrued under 10x.
I have a regalia cc.
Thanks..
can I know how much points do i get for every 100rs spent through Credit card.
and how much does 100point means .
Does 100 points means 100rs?
if I spent 50000 rs how much reward points do I get
Racheta check out the respective card website.
you get 5 points for every 150rs spent
value of points is different for every hdfc cards
for diners black card 100 points = 100rs INR
Depends on which credit card you are using.
I have booked a phone and Flight ticket though Smartbuy using HDFC Platinum debit card more than 90days ago. But Didn’t get any cash back. What to do now?
Chase the customer care and do escalations because its the routine HDFC follows.
They never credit points as the commit and we need to calculation and go behind them till we get
Has anyone had success in getting the 10x Reward points through Smartbuy for Flipkart and Amazon spend?
It is a tiresome procedure with HDFC to keep chasing them for RP’s. Customer care on phone remains the worst, and emails are not answered.
So guys what is the trick??!🙂
Unless cancellations and some reconciliation is needed, 10x points are straight forward ! I faced trouble in the month of January 19, but never before of after that .. and customer care are knowledgeable and friendly, they are from super premium card section of HDFC and they do support DCB and Infinia, so you can imagine the kind of support we get !
Forgot to ask – is the 10x Smartbuy offer valid on Regalia Business card?
Or is it only for Retail cards? Maybe that’s why I haven’t got the 10x RP. I have the Business variant.
Yep not applicable for Business Variant.
I am using the business regalia and i am getting 10x reward points within 4 days of transaction done.
Sid?
Is 10x valid on Business variant?
Make hay while the sun shines.
P.S. HDFC may revoke those hay at times 😀
Hey SIddharth.
Got a regalia card recently, and have been buying by going to the amazon site through the smartbuy website. Every time you click on a product, a new tab comes up. If you’re using the new tab and so on, it will not mess with the 10X right? I notice that the default search when you land is smartbuy search, whereas on the new tabs it becomes searching on and so on.
I say this because, I looked at my account summary, and the reward points I’ve gotten so far make no sense. They’re more than 4 per 150, but less than expected 40/150; so I’m wondering if you have to use it in a certain way.
Thanks
The remaining 9x for amazon smarty buy purchase will be credited after 90 days. So for transaction done in Jan’20 you can expect the reward it in April/May billing cycle.