Welcome to SmartBuy!

Registration Process - 

The customer should give their consent to the Phone banking team/ Customer support team that he/she understands the features and TnC's mentioned below. Upon giving the confirmation, the team will raise a referral and get it activated. 

GVP - TnCs

1. Program Fee - Annual / Renewal Fee – Rs. 199/- + GST. Renewal is automatic.

2. The welcome benefit of 500 Bonus rewards will be applicable only for the 1st International transaction and only for the first year. The same would not be given after renewal of fees for the second year and so on.

3. Applicable to HDFC Bank Credit Card customers (Applicable on Retail & Business Cards only, Corporate and Commercial cards are Excluded) 

4. No two offers running on HDFC Bank Credit Cards can be clubbed together. 

5. Offer is not valid on cash withdrawal and loan products like, Cash-on-Call, Balance Transfer, Balance Transfer on EMI, Personal Loan on Credit Card, etc. 

6. 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. 

7. 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. 

8. This offer is non-convertible to either cash or alternate products, not extendable and non-negotiable. 

9.ATM withdrawal will not be considered for the offer. 

10. Classification of a retail transaction (Point of sale/Online) under a merchant category will be defined by Visa/MasterCard or any other franchisee as applicable and the same will be used for the bonus reward points posting. 

11. In case the Cardholder cancels any transaction/s due to which he/she has qualified for the offer, then the Cardholder is not eligible for the offer. For partial refunds in case customer's remaining balance does not qualify for the required benchmark amount then customer will no longer be eligible for the offer.

12 .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.

13. If the Cardholder ceases to be the Cardholder/s at any time during the Program period, all the benefits under the Program shall lapse and shall not be available to the Cardholder/s. 

14. 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 availed of by the Cardholder/s under the Program. 

15. HDFC Bank shall not be liable in any manner whatsoever if customers transaction fails due to technical issue.

16. HDFC Bank reserves the right to disqualify/ exclude any merchant establishment and/or Cardholder/s from the Program if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the Program or otherwise by use of the Card. 

17. All queries with regards to the Offer will be valid/open for escalation only up to 60 days from the offer fulfilment date – post which the Bank will not entertain any queries. 

18. This Offer shall be subject to all applicable laws, rules and regulations which are in existence and which may be promulgated anytime by any statutory authority. 

19. 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.

20. Above offers is by way of a special offer for select HDFC Bank Credit Card 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. 

21. 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. 

22. This offer Valid for Indian Citizens and residents only.

23. HDFC Bank Credit Card transactions done on merchants dealing in Gaming, Betting and Gambling will not be eligible for this offer even if the merchant category is part of the inclusion categories considered under this offer