Welcome to SmartBuy!

Perform atleast 2 or more txns cumulating to Rs 2500 or more in a month and get a Cashback of Rs 250                                                                                                                         

1. Customer will be eligible for a Maximum Cashback of Rs 250 as per the offer eligibility criteria during the entire offer period i.e. from 17th April 2025 till 31st May 2025 (Customer is identified as per Customer ID).

2. Offer valid from 17th April 2025 till 31st May 2025.  

3. This offer cannot be combined with any other offer eligible on HDFC Bank Debit Card.

4. Offer is not applicable in case of any return / cancellations.  

5. For transactions where there is a partial cancellation, we will consider the transaction amount eligible as per offer, only if the post partial refund net amount is greater than or equal to Rs 2500

6. Offer only valid for customers receiving communication through SMS/E-Mail from HDFC Bank.

7. Cashback point proceeds shall be posted to customer's Debit Card linked account within 90 days from the end of qualifying campaign transaction month i.e., if the campaign transaction month ends in April-May 2025, the cashback will be posted on or before 31st August 2025 on best effort basis. 

8. Customer is required to redeem these cashback points before expiry period of 3 months from the date of posting.

9. Customer will need to redeem these Cashback points by logging into NetBanking and request for redemption of the Cashback points. Every 1 Cashback Point is equal to Re. 1.

10. The cashback points accumulated can be redeemed as below:

a. Login to NetBanking: Cards> Debit Cards > Enquire> CashBack Enquiry and Redemption> Account Number> Continue> Input the CashBack amount 

b. 2 working days post request for redemption of Cashback points, the equivalent amount shall be credited to the customer primary account Linked to the Debit Card only

11. Promotional Cashback points earned will be valid for redemption for 3 months from cashback posting month, post which the same will expire. For example, cash back points posted in the month of August 2025 will be valid for redemption till 30th November 2025 post which on 1st December 2025 these points will expire.

12. Turn-around-time committed with respect to posting of Cashback for a promotional campaign is only indicative & may vary from the actual date of posting; the Bank shall not be liable for any such delay. However, the Bank shall review the customer’s query & if eligible, shall ensure fulfillment is completed at the earliest. In case of delay in posting or non-posting of Cashback, if applicable for a promotional campaign beyond the committed TAT, customer is requested to contact the Bank; the Bank shall review the same & have the Cashback posted if the customer is eligible as per offer T&C.

13. Any queries/ complaints regarding the offer to be raised only after the end of TAT for Cashback posting of 90 days.

14. Offer valid only for HDFC Bank Visa & Mastercard Debit Card holders, except Virtual, Netsafe & ATM cards.

15. Offer not valid on HDFC Bank Rupay Debit Cards. 

16. ATM withdrawals will not be considered for the offer.

17. Only approved and validated spend/ transaction / payment / purchase made using HDFC Bank Debit Card shall be eligible for the Cashback. Cancelled / Returned Transactions shall not be eligible for this Cashback-based offer. No Offer clubbing shall be permitted.

18. Following purchases or payments shall not be considered for the promotional Cashback offer

     - Investment/Insurance products

     - Loading of wallets or Payments through wallets

     - Credit card bill payments

     - International transactions 

     - Cash on Delivery

     - Forex booking, Betting and Gambling based transactions.

     - Funds transfer to another account using Debit Card. 

     - Any fraudulent transaction

     - Any International transaction done via Debit card

     - Payzapp transactions done via Debit card

    - Smartbuy transactions done via Debit card

19. HDFC Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the services offered by the partner. Any dispute or claim regarding the services/offers must be resolved by the Card Holder/s with the partner directly without any reference to HDFC Bank.

20. HDFC Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services / assured gifts / gift Cashback availed by the Card Holder/s under the said Offer offered by the partner.

21. HDFC Bank shall not be held liable for any delay or loss that may be caused in delivery of the services.

22. This Offer is made available to the Customer/s selected at the discretion of HDFC Bank.

23. Any TAT committed with respect to receive Cashback for a promotional campaign is only indicative & may vary from the actual date of fulfilment; the Bank shall not be liable for any such delay. However, the Bank shall review the customer’s query & if eligible, shall ensure fulfilment is completed at the earliest.

24. In case of delay in posting of Cashback if applicable for a promotional campaign beyond the committed TAT, customer is requested to contact the Bank; the Bank shall review the same & do the fulfilment within 2-3 working days if the customer is eligible as per offer T&C.

25. Any person availing this offer shall be deemed to have accepted these Terms and Conditions.

26. HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this offer or not, or to extend or withdraw it altogether.

27. Valid for Indian Citizens and residents only.

28. All disputes, if any, arising out of or in connection with or as a result of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction.

29. Wallet Loads transactions (Including Payzapp Wallet Load) will be excluded from all programs.

30. Categories tagging for winner evaluation will be considered as mentioned by VISA / MasterCard.

31. Nothing herein amounts as a commitment by HDFC Bank to conduct further, similar schemes/offers.

32. The terms of the above offers shall be in addition to and not in derogation of the terms contained in the Cards Members Agreement.

33. HDFC Bank Debit Card Holders are not bound in any way to participate in this offer. Any participation is voluntary and the offer is being made purely on ‘best effort’ basis.

34. This offer is non-transferable to any other person.

35. Upon fulfilling campaign criteria's, a customer qualifies as a winner and will receive a mail with Cashback fulfilment details. The customer gets to choose a brand from the available wide variety of brands for Cashback redemption. The brands include and are not limited to Amazon, Swiggy, Myntra , Bookmyshow etc subject to availability. Any additional cost for Cashback redemption/validation to be borne by the customer.