Upto 10X Reward Points / 10% Cashback with HDFC Bank Cards & EasyEMI
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Delight with exclusive and assured bonus saving on all transactions on SmartBuy.
| Merchants qualified for SmartBuy core benefits: | ||||||||
| Category | Infinia | Diners Black, Diners Black Metal, Biz Black metal | Regalia, Diners Privilege, BizPower | Other credit card | Debit card through web web/mlite/PWA/ | Debit card through PayZapp shop | PayZapp Wallet | |
| (Reward points) | (Reward Points) | (Reward Points) | (CashBack) | (DC cashback points) | (DC cashback points) | (PZ Cashpoint) | (PZ Cashpoint) | |
| IGP.com | 10X | 10X | 10X | 10% | 10% | 10% | - | - |
| Flights | 5X | 5X | 5X | 5% | 5% | - | 3% | 5% |
| Hotels | 10X | 10X | 10X | 5% | 5% | 5% | - | - |
| IRCTC | 3X | 3X | 3X | 1% | 1% | 1% | - | - |
| RedBus | 5X | 5X | 5X | 5% | 5% | 5% | - | - |
| Instant Voucher | 5X | 3X | 5X | 5% | 5% | - | 3% | 5% |
| Apple Imagine Tresor | 5X | 3X | 5X | 5% | 5% | 5% | - | - |
| Zoom Car | 5x | 5x | 5x | 5% | 5% | 5% | - | - |
| Nykaa | 5x | 5x | 5x | 5% | 5% | - | - | - |
| Myntra | 5x | 5x | 5x | 5% | 5% | - | - | - |
| Jockey | 10x | 10x | 10x | 10% | 10% | - | - | - |
| MMT Holiday Packages | 5X | 5X | 5X | 5% | 5% | 5% | NA | 5% |
| Pharmeasy | 10x | 10x | 10x | 10% | 10% | - | - | - |
2. Maximum benefit that could be earned per card in a calendar month/ in a day is as below.
| HDFC Bank Card Type | Maxcap per calendar month | Max per Day |
| Infinia (Reward Points) | 15,000 | 15,000 |
| Diners Black Metal & BizBlack Metal (Reward Points) | 10,000 | 10,000 |
| Diners Black (Reward Points) | 7,500 | 2,500 |
| Regalia, Diners Privilege, BizPower (Reward Points) | 4,000 | 2,000 |
| Tata Neu (Tata Neu coins) | 1,000 | 1,000 |
| Other credit card (Cashback) | 1,000 | 1,000 |
| Debit card (cashback points) | 1,000 | 1,000 |
| PayZapp Wallet (Cashpoints) | 1,000 | 1,000 |
3. For tata neu / Tata neu infinity credit cards offer click here. The above offer may not be applicable for Tata neu / Tata neu infinity cards. Click here to know more.
4. Customers transacting through Credit card shall get respective bonus reward points /cashback on their credit card account within 90 working days from the last date of transaction month, provided the account is active.
5. Customers transacting through Debit card on web/mlite/PWA shall get respective bonus cashback points within 90 working days from the last date of transaction month, provided the account is active. Visit Net Banking to redeem these on card account.
6. Customers transacting on PayZapp shop through linked Debit card (on select categories such as Hotels / IRCTC / IGP)shall get respective bonus cashback points within 90 working days from the last date of transaction month, provided the account is active. Visit Net Banking to redeem these on card account.
7. Customers transacting through Debit card on PayZapp shop (select categories such as flights / Redbus / Instant voucher) shall get PayZapp cashpoints instantly or within 5 working days upon inputting promocode. Refer PayZapp offers section.
8. Customers transacting through PayZapp wallet shall get PayZapp cashpoints instantly or within 5 working days upon inputting promocode. Refer PayZapp offers section .
9. Refer Savings Calculator Tab to know your offer saving.
10. Only for IRCTC Cobrand card, core benefit of 5% Cashback will be applicable for IRCTC transactions done via SmartBuy.
11. 10x Reward Points / 10% Cashback on Myntra via SmartBuy has been valid only from 7th Dec'24 to 17th Dec'24 and on HDFC Bank full swipe transactions. The benefits will be posted in 2 instalments each of 5x Reward Points / 5% Cashback within 90 days, only on successful transaction value excluding refunds, reversals and cancellations. Posting of benefits will be subject to monthly & daily SmartBuy reward points and cashback capping. From 18th Dec’24 onwards, the benefit of 5x Reward Points / 5% Cashback will be applicable for Myntra via SmartBuy.
Flights Categories
1. Go to HDFC Bank SmartBuy page Flights Section
2. Select your flights Compare Prices and select across merchant Enter details Proceed to Payment
3. Use HDFC bank Credit Card / Debit Card / Credit Card EMI/ Pay with Payzapp to avail the offer. The offer benefit for PayZapp linked card is basis the card type used. Example – Full Swipe of Infinia Credit card gets the similar benefit that a PayZapp linked Infinia card would get on SmartBuy hosted merchants mentioned under table ‘Merchants qualified for SmartBuy core benefits’.
Hotels Categories
1. Go to HDFC Bank SmartBuy page Hotels Section
2. Select your Hotel. Compare Prices and select across merchant. Enter details Proceed to Payment
3. Use HDFC bank Credit Card / Debit Card / Credit Card EMI/ Pay with Payzapp to avail the offer. The offer benefit for PayZapp linked card is basis the card type used. Example – Full Swipe of Infinia Credit card gets the similar benefit that a PayZapp linked Infinia card would get on SmartBuy hosted merchants mentioned under table ‘Merchants qualified for SmartBuy core benefits’.
Instant Vouchers
1. Go to HDFC Bank SmartBuy page Instant Vouchers Section
2. Select your desired voucher. Sign-in / Sign-up (Same registration of SmartBuy cannot be used. A new registration is required)
3. Enter details Proceed to Payment
4. Use HDFC bank Credit Card / Debit Card / Credit Card EMI/ Pay with Payzapp to avail the offer. The offer benefit for PayZapp linked card is basis the card type used. Example – Full Swipe of Infinia Credit card gets the similar benefit that a PayZapp linked Infinia card would get on SmartBuy hosted merchants mentioned under table ‘Merchants qualified for SmartBuy core benefits’.
Bus Categories
1. Go to HDFC Bank SmartBuy page Bus Section.
2. Select your Bus. Enter details Proceed to Payment.
3. Use HDFC bank Credit Card / Debit Card / Credit Card EMI/ Pay with Payzapp to avail the offer. The offer benefit for PayZapp linked card is basis the card type used. Example – Full Swipe of Infinia Credit card gets the similar benefit that a PayZapp linked Infinia card would get on SmartBuy hosted merchants mentioned under table ‘Merchants qualified for SmartBuy core benefits’.
Rail Categories
1. Go to HDFC Bank SmartBuy page Rail Section
2. Select your Rail. Enter details and login with IRCTC login id Proceed to Payment
3. Use HDFC bank Credit Card / Debit Card / Credit Card EMI/ Pay with Payzapp to avail the offer. The offer benefit for PayZapp linked card is basis the card type used. Example – Full Swipe of Infinia Credit card gets the similar benefit that a PayZapp linked Infinia card would get on SmartBuy hosted merchants mentioned under table ‘Merchants qualified for SmartBuy core benefits’.
IGP.Com
1. Go to HDFC Bank SmartBuy IGP.Com Tab
2. Select your product Checkout
3. Use HDFC bank Credit Card / Debit Card / Credit Card EMI/ Pay with Payzapp to avail the offer. The offer benefit for PayZapp linked card is basis the card type used. Example – Full Swipe of Infinia Credit card gets the similar benefit that a PayZapp linked Infinia card would get on SmartBuy hosted merchants mentioned under table ‘Merchants qualified for SmartBuy core benefits’.
Apple Imagine Tresor
1. Go to HDFC Bank SmartBuy Apple Imagine Tresor Tab
2. Select your product Checkout
3. Use HDFC bank Credit Card / Debit Card / Credit Card EMI/ Pay with Payzapp to avail the offer. The offer benefit for PayZapp linked card is basis the card type used. Example – Full Swipe of Infinia Credit card gets the similar benefit that a PayZapp linked Infinia card would get on SmartBuy hosted merchants mentioned under table ‘Merchants qualified for SmartBuy core benefits’.
Myntra
1. Go to "Myntra" on HDFC Bank SmartBuy page.
2. Fill in desired information, search hotels and Book.
3. Use HDFC bank Credit Card / Debit Card / Credit Card EMI/ Pay with Payzapp to avail the offer. The offer benefit for PayZapp linked card is basis the card type used. Example – Full Swipe of Infinia Credit card gets the similar benefit that a PayZapp linked Infinia card would get on SmartBuy hosted merchants mentioned under table ‘Merchants qualified for SmartBuy core benefits’.
Zoomcar
1. Go to HDFC Bank SmartBuy Zoomcar tab
2. Select your product Checkout
3. Use HDFC bank Credit Card / Debit Card / Credit Card EMI/ Pay with Payzapp to avail the offer. The offer benefit for PayZapp linked card is basis the card type used. Example – Full Swipe of Infinia Credit card gets the similar benefit that a PayZapp linked Infinia card would get on SmartBuy hosted merchants mentioned under table ‘Merchants qualified for SmartBuy core benefits’.
Nykaa
1. Go to HDFC Bank SmartBuy Nykaa tab under Shop.
2. Select your product Checkout
3. Use HDFC bank Credit Card / Debit Card / Credit Card EMI/ Pay with Payzapp to avail the offer. The offer benefit for PayZapp linked card is basis the card type used. Example – Full Swipe of Infinia Credit card gets the similar benefit that a PayZapp linked Infinia card would get on SmartBuy hosted merchants mentioned under table ‘Merchants qualified for SmartBuy core benefits’.
Pharmeasy
1. Go to HDFC Bank SmartBuy Pharmeasy tab under Shop.
2. Select your product Checkout
3. Use HDFC bank Credit Card / Debit Card / Credit Card EMI/ Pay with Payzapp to avail the offer. The offer benefit for PayZapp linked card is basis the card type used. Example – Full Swipe of Infinia Credit card gets the similar benefit that a PayZapp linked Infinia card would get on SmartBuy hosted merchants mentioned under table ‘Merchants qualified for SmartBuy core benefits’.
Jockey
Transaction Eligibility
Applicable for Full payment across all categories (on Flights / Hotels / Bus / Rail/ Instant Vouchers / Apple Imagine Tresor, MakeMyTrip Holiday Packages, Zoomcar, Jockey, Nykaa , Myntra, and Pharmeasy in SmartBuy)
Offer also applicable on Credit Card Easy EMI Transactions (on Flights / Hotels / Bus / Instant Vouchers & Apple Imagine Tresor). Bonus RP on Infinia, Diners Black, Regalia & Diners Privilege Credit card and Cashback on other credit cards would be posted every month on the EMI amount levied on that given month
Offer applicable on Retail, Business, Corporate & Commercial Credit cards (Full Swipe & EMI), Retail/ Business Debit card (Full swipe
Customer will not be eligible for SmartBuy benefit in case of loan pre-closure
SmartBuy Offer not applicable on Debit Card EMI transactions
Offer Applicable on Pay with PayZapp option too. The offer as per the linked card used for completing the transaction would be applicable.
Only pay with PayZapp via PayZapp wallet will be eligible for the offer. Transactions done by entering 16 digits of PayZapp card followed by CVV will not be eligible for offer benefits on SmartBuy.
1. Flight Bookings, Prepaid / Gift Cards, Bill Payments, Insurance & Recharges
2. Purchase of Video Gaming Consoles & Hardware
3. Prime membership
4. Jewellery / Gold coins or its equivalent
Card Variant Eligibility
Cashback posting will be done for eligible customers on respective credit card & debit card used to complete the transaction.
Dealer Credit Cards, Distributor Credit Cards, Value Plus Credit Cards, Virtual cards, Jet Privilege Debit card, and Times Points Debit card are excluded from the promotion.
Only Infinia, Diners Black, Regalia credit card (Regalia first not included) and Diners Privilege Credit card will be eligible for a Reward Point Offer.
Daily maxcap for infinia card for transactions done until 31st july'2023 is 7500 RP per day; Effective 1st aug'2023 the daily maxcap for transactions done through infinia card is 15000 RP per day.
Only for IRCTC Cobrand card, core benefit of 5% Cashback will be applicable for IRCTC transactions done via SmartBuy.
Other Terms & Conditions
Month when transactions is done | Posting will be done by |
Nov'21 | 28th Feb'22 |
Dec'21 | 31st Mar'22 |
Jan'22 | 30th Apr'22 |
Feb'22 | 31st May'22 |
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.
No two programs can be combined or benefits of two programs are combined at any point in time, for transactions done on the SmartBuy website or pages thereof, associated with the program.
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.
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.
Offer is valid only if HDFC Bank Credit/ Debit card is used to complete payment. Wallet load using HDFC card or Cash on Delivery options are not eligible under this offer.
Returned purchases, disputed or unauthorized/fraudulent transactions, Smart EMI’s and Card Account Fees will not be considered for this offer.
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.
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.
Above offers are by way of a special offer for select HDFC Bank Credit Card and Debit Card members only and nothing contained herein shall prejudice or affect the terms and conditions of the Cardmember 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.
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.
All decisions by HDFC Bank regarding the selection of winners shall be final and binding. No correspondence will be entertained in this connection.
All valid spends transactions will be eligible for the offer. HDFC Bank will not be responsible for invalid transactions.
To be eligible for the offer, Cardholder is required to satisfy the condition mentioned in the offer post receipt of the communication.
Nothing herein amounts as a commitment by HDFC Bank to conduct further, similar or other schemes/offers.
HDFC Bank reserves the right to extend this offer to selected HDFC Bank Debit Cardholders only.
HDFC Bank is not responsible for, or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses that a Cardholder may suffer, sustain or incur due to the offer.
HDFC Bank shall not be liable for any loss or damage whatsoever or for any personal injury that may be suffered, by an HDFC Bank Debit Card member, directly or indirectly, by use or non-use of products/services availed of under this offer
In the event of any inconsistency between these terms and conditions and any brochures, marketing or promotional materials relating to the promotion, these terms and conditions shall prevail.
HDFC Bank is not liable for any delay, non-delivery or shortfall or deficiency or unsatisfactory service/product provided by any participating parties/sponsors.
Pictures in the communication are representative and the actual product may differ.
This offer is non-transferable to any other person.
Any Government levies/taxes like Sales Tax, TDS, gift tax, road tax, any Local Tax, etc. arising out of the same will be borne by the HDFC Bank Debit card customer.
In case of any dispute on offer from other sources - only the offer construct & terms and conditions mentioned here will stand final.
Click here to view SmartBuy offer applicable until May'20
Click here to view SmartBuy offer applicable until January’22
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