SmartBuy
Delight with exclusive and assured bonus saving on all transactions on SmartBuy.
all credit/debit cards and payzapp walletValid till : 31st Dec 2025- Get accelerated Reward points on Credit Card or cashback points on debit card or PayZapp Cashpoints on Pay with Payzapp - Wallet for transacting through SmartBuy as per the structure below. Benefits also applicable on Credit Card EMI basis card type.
Linked PayZapp Credit/Debit Card transaction via SmartBuy merchants get the accelerated Reward Point/Cashback point basis linked card used.
| Category | Infinia | Diners Black, Diners Black Metal, Biz Black metal | Regalia, Diners Privilege, BizPower | Other credit card | Debit card through web/mlite/PWA | Debit card through PayZapp shop | PayZapp Wallet | |
|---|---|---|---|---|---|---|---|---|
| (Reward Points) | (Reward Points) | (Reward Points) | (CashBack) | (DC cashback points) | (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% | - | - |
| Trains-Confirm Ticket | 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% | - | - | - |
| Weekly Deals | Instant Discount + Core Card specific benefits | |||||||
- 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 - 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.
- 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.
- 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.
- 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.
- 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.
- Customers transacting through PayZapp wallet shall get PayZapp cashpoints instantly or within 5 working days upon inputting promocode. Refer PayZapp offers section.
- Refer Savings Calculator Tab to know your offer saving.
- Only for IRCTC Cobrand card, core benefit of 5% Cashback will be applicable for IRCTC transactions done via SmartBuy.
- 10x Reward Points / 10% Cashback on Myntra via SmartBuy is valid only from 1st Jun’25 to 12th Jun’25 and on HDFC Bank full swipe transactions. The benefits will be posted in 2 instalments each of 5x Reward Points / 5% Cashback within 90 working days of transaction, 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 13th Jun’25 onwards, the benefit of 5x Reward Points / 5% Cashback will be applicable for Myntra via SmartBuy. Purchase of any gold items on Myntra via SmartBuy is not eligible for accelerated earns.
