Welcome to SmartBuy!

To avail offer, visit any Apple Premium Store, Authorised Reseller Store and other Leading Retailer.

Click here : Debit Card 

Click here:  Credit Card 

* Purchases eligible for Instant Discount/ Cashback on HDFC Bank Credit Cards (except on Tresor via SmartBuy) will not qualify for Reward Points. The same will be reversed within 120 days.
* The offer is valid on HDFC Bank Credit Cards EMI and Non-EMI & on HDFC Bank Debit Card EMI
* The cashback offer is valid for transactions made using Brand EMI option on Pine Labs and Paytm terminals. Also, applicable on select online merchants via Pine Labs PG.
* For eligible in-store transactions, cashback will be printed on charge slip. Customer will not receive cashback if not eligible as per charge slip.
* Convenience Fee of Rs 299 + GST applicable on EMI transactions.
* Cashback limited to 2 transaction per card per category during the offer period for Brand EMI transactions.
* This offer is co-sponsored by HDFC Bank Limited (HDFC Bank) and Merchant.
 * HDFC Bank reserve the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary 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.
* This is an Instant Cashback offer.
* Cashback offer is applicable only if the transaction value on the card is more than 60% of the MRP of the device being purchased in case of iPhone, MacBook & Apple Watch and 80% of the MRP for iPad and AirPod categories.  
* Cashback offer is valid for transactions made using Brand EMI / Cashback option on HDFC PineLabs or BillDesk Payment Gateway only.
* Cashback limited to 1 transaction per card per category during the offer period for online transaction through Pinelabs PG
* Delinquent and over-limit Card and Cardholders will not qualify for this Offer
* Offers may be revised or withdrawn without any prior notice.
* Offers valid for limited period and/or till stocks last.
* In the event the customer returns any/all products in the order placed during the offer period, thereby not maintaining the minimum purchase value, as required to avail the Offer, he/she shall not be eligible for the Offer. Accordingly, the amount availed as a discount under the Offer shall stand deducted from any refund(s) processed for the returned product(s).
* If the customer fails in timely payment of EMI, there may be additional interests/penalty which may be levied by the bank which may be higher than the discount offered under this scheme 
* HDFC Bank reserves the right to disqualify the Cardholder(s) from the benefits of the Offer, if any fraudulent activity is identified as being carried out for availing the benefits under the said Offer or otherwise by use of the Card. 
* If Customer is purchasing the product online, customer would have deemed to have accepted all their terms and conditions.
* Offers valid for limited period and/or till stocks last.
* If customer is not eligible as per Apple Online Terms & Condition, bank will not be responsible for Instant  Cashback.
* Returned transactions, disputed or unauthorized/fraudulent transactions will not be considered for the Offer 
* 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.
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 vouchers availed by the Card Holder/s under the said Offer offered by the partner.
* HDFC Bank shall not be held liable for any delay or loss that may be caused in delivery of the services.
* This Offer is made available to the Customers selected at the discretion of HDFC Bank.
* The offer cannot be combined with any other offer
* If promo code is mentioned as part of the communication (please refer Offer details tab) then customer has to use the code to avail the offer; in case the code is not used Discount/ Cashback cannot be credited back to customer at a later date.
* Any person availing this offer shall be deemed to have accepted these Terms and Conditions.
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 these terms and conditions or to replace, wholly or in part, this offers by another offer, whether like this offer or not, or to extend or withdraw it altogether.
* Eligible benefits for this promotion (such as Reward points / cashback) will only be posted to accounts that are active at the time of postings.  
* Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting.
* Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.
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.
* Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar or other offers.
* Offer valid only on Retail Credit Cards, Business and select Corporate Cards and Commercial Credit cards.
* This offer is non-cashable, not extendable, and non-negotiable.
* If a card member has more than 1 (one) HDFC Bank Credit/Debit Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer.
* The above offer is by way of a special offer co-funded by the Bank & Merchant for select HDFC Bank Credit/Debit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.
* All disputes, if any, arising out of or in connection with or because 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.
Any query regarding the program will be entertained till 60 days from the posting date. After said date the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.
* Any TAT committed with respect to posting of Reward Points/ 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 fulfilment is completed at the earliest.
* In case of delay in posting or non-posting of Reward Points/ Cashback if applicable for a promotional campaign beyond the committed TAT, customer is requested to contact the Bank within 60 days from the proposed date for posting. The Bank shall review the same & have the Reward points/ Cashback posted if the customer is eligible as per offer T&C.
* Cashback credits will not be considered as payment for the last statement. Customers need to effect payment towards the previous statement outstanding. 
* Cashback amount credited to the credit card account will be adjusted towards the next statement balance.
* Any Tax, service charge or other charges levied with regards to the Promotional Cashback Offer, may be borne by the Card holder / winner.
* For in-store transactions, cashback will be printed on charge slip for eligible transactions. Cashback will not be posted if customer not eligible as per charge slip
* Loan will be booked as per details mentioned on charge slip. Pls refer charge slip for subvention, ROI,Processing Fee and other charges
* Cashback / instant discount may be applicable on select online merchants under ‘Brand EMI Offer’. Pls refer to T&C of respective merchant for offer details.
* This offer is not applicable on Virtual Cards, Consumer Durable, VPA, Fleet, R&R Commercial, Purchase Cards, Intermiles, Paytm, Equitas, Swiggy, Flipkart Wholesale, Pine Labs, Emirates, Harley, IBIBO, IRCTC Cards.