Welcome to SmartBuy!

·        Cards if closed voluntary or otherwise or upgraded to another card during the voucher fulfilment period shall not be eligible for the said vouchers

·       Winners will receive voucher which has to be validated through their credit card for Re.1 which is non-refundable. This security measure is added to ensure the high value vouchers are in the right hands of the card holders.

·       Winners will be communicated within 90 days from the last date of campaign period. For Eg: If offer ends on 31-12-2024, you shall receive your voucher code by 31-03-2025

·       This Offer should be sent to your registered email or mobile number or netbanking/mobilebanking or any other official channel by bank as part of official communication from bank. Only then you are eligible for this offer. Kindly check the same.

·       This offer is not valid on cash withdrawal and loan products like Dial-An-EMI, Cash-on-Call, Balance Transfer, Balance Transfer on EMI, Personal Loan on Credit Card, etc.

·       Please raise any query pertaining to the offer within 60 days from the offer fulfilment date. Any queries post this period, will not be considered.

·       Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and card membership fees will not be considered for this offer.

·       Eligible Cardholders achieving the spend and transaction threshold (for the net amount spent excluding cancellation and refunds) will qualify for offer

·       Corporate Cards, Commercial Cards, Dealer Cards, Distributor Cards, Business Cards, Value Plus Cards and Staff Cards are excluded from the promotion.

·       Card Holder/s whose account has been classified as delinquent before or during the currency of the Program, or when the gift is to be collected, will not be eligible for the benefits of the Program.

·       This offer is non-encashable, not extendable and non-negotiable.

·       If a card member has more than 1 (one) HDFC Bank Credit Card, spends on the cards cannot be clubbed by the card member in order to qualify for the said offer.

·       Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and Card Account Fees will not be considered for this offer.

·       This offer is valid for Indian residents and citizens only.

·       Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar or other offers.

·       HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary and the offer is being made purely on a ”best effort“ basis.

·       Above offers is by way of a special offer for select HDFC Bank Credit Card members only and nothing contained herein shall prejudice or affect the terms and conditions of the Card member agreement. The terms of the above offers shall be in addition to and not in derogation of the terms contained in the Card members Agreement.

·       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.

·       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 Chennai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction.

·       Transactions that get reversed later due to technical faults or other considerations like incorrect incomplete or faulty buy etc from merchant end wont be taken to consideration for winner qualification. HDFC Bank reserves the right, at any time in such cases to judge the appropriateness of such transactions.

EasyEMI Terms and Conditions

• Transact using EasyEMI on your HDFC Bank Credit Card for Rs.20,000 or above
• Vouchers for eligible customers will be sent 90 days after the offer period
• Voucher code for eligible customers will be sent on the registered mobile number
• Customer can avail only 1 voucher during the program
• Two offers cannot be clubbed
• In case customer cancels the transaction, then he won't qualify for the offer
• Customer has to transact for minimum Rs.20,000 to qualify for the voucher
• Processing Fee of Rs 299+ GST Applicable for EMI transactions on HDFC Bank Cards. Processing fee does not get reversed even in case of cancellation / pre-closure