Welcome to SmartBuy!

1. Login to PayZapp (if PayZapp not registered, then first register on PayZapp)

2. Search for banner to in one stop banking section to Open Savings account on the PayZapp home page and click

3. Enter necessary details and submit

The voucher amount has 3 components, and summation of which is the total value. (Refer table below).
 
Total Voucher Value = Do It Yourself Offer Voucher + First Year Membership fee payment Voucher + Activation Voucher.
This voucher is not applicable for the customers who have an existing Credit card with HDFC Bank.

Do It Yourself Voucher (INR 1500): 
 

• The offer is only valid on completing the application end-to-end digitally without any help or assistance of a HDFC Bank representative, either verbally or in person. 
• The offer is valid on completing a transaction of minimum Rs. 500 within the first 14 days from credit card issuance date. 
• The gift voucher will be sent to the customer within 90 days of the credit card issuance month. 
• The gift voucher will be issued by our partner Gyftr (Vouchagram India Private Limited), for which customer name, customer contact number and or customer email address will be shared with the voucher partner.  
• Gift voucher is time bound and subject to change. HDFC Bank reserves the right at any time, without prior notice to add, alter, modify, change or vary all or any of these terms and conditions or to replace wholly or in part, the above offer by another offer, whether similar to above offer or not, or to withdraw it altogether. 
• This offer is applicable for customers who apply from the HDFC Bank Website or through communication sent by HDFC Bank through Bank owned channels. This offer is not valid if the credit card has been applied through a DSA or a partner website. 

 
 
First Year Membership Fee Payment Voucher  
 

1. Post realization of the First Year Membership Fee, an equivalent amount of Gift Voucher will be issued. This will be issued within 90 days of Membership Fee realization date. Gift Voucher offer is not applicable for Infinia, Diners Black credit card, Tata Neu credit cards and Shoppers Stop credit cards.
2. Renewal Fee shall be levied at the start of every anniversary year if the card does not meet Life Time Free or Renewal fee waiver condition (For more details refer our MITC on www.hdfcbank.com 
3. Membership Fee voucher is not applicable for Lifetime Free Credit Cards or First Year Free cards.
4. Please refer below table for cards eligible for the First Year Membership Fee Payment Voucher.

Activation Voucher
 
Customer will be eligible for a voucher of INR 250 on performing 1 transaction within the first 37 days from card issuance date.
Activation vouchers will be issued to customers within 90 working days after the end of card issuance month.
Please refer below table for cards eligible for the Activation Voucher. 

Amount Break up of Total Value for all cards:
 

*Terms & Conditions

1. Membership Fees will be levied along with applicable GST on 120th day.

2. Post realization of the First Year Membership Fee, an equivalent amount of Gift Voucher (GV) will be issued. This will be issued within 90 days of Membership Fee realization date. GV offer is not applicable for IOCL, Times, Infinia, Diners Black, Tata Neu, Shoppers Stop credit cards.

3. Beyond this MID, First Year Membership Fee waivers and Lifetime Free Credit Cards (Annual Membership Fees waived off) will be applicable for select customers as per the Bank's internal guidelines and discretion.

4. Renewal Fee shall be levied at the start of every anniversary year if the card is not Life Time Free or does not meet Renewal fee waiver condition (For more details refer our MITC on www.hdfcbank.com)

5. I hereby agree and give my consent to HDFC Bank to issue me a Business credit card variant a basis my occupation type. I also agree that Business Credit card variants can be issued only to Self Employed / Proprietors / Partners Customers

6. I acknowledge and agree that Product Benefits linked to realization of Membership Fee will not be applicable in the event of opting for FYF or LTF Cards

Other Details:

1. HDFC Bank has the sole right to determine and approve credit limit as per internal credit policy and guidelines.
2. Issuance of the credit card is subject to completeness of verified customer data and approval on the credit card application
3. Offers are only applicable to the recipient(s) communicated by HDFC Bank.