Introduced in 2015, HDFC Bank SmartBuy serves as the bank’s exclusive aggregator platform, bringing together an array of deals and promotions associated with its diverse range of credit and debit cards. This convenient portal eliminates the need to visit each merchant’s website separately to discover the offers available when using HDFC cards. It simplifies the process of finding and accessing these deals all in one place.
In addition to the enticing deals and promotions provided by external vendors through the HDFC Bank SmartBuy platform, what particularly entices numerous HDFC credit card users is the SmartBuy 10X Rewards Program. This program offers the chance to accumulate rewards of up to 10 times the usual amount on specific cards such as Infinia, Diners Black, Regalia, and Diners Club Privilege. On top of that, it offers an appealing cashback feature of up to 10% for all other HDFC credit and debit cards, with some exceptions.
October 2023 Update:-
While September remained unchanged, October 2023 brings some updates to the HDFC Bank SmartBuy platform. Notably, the offers previously available on Tata Neu Cards have expired as of September 30, 2023. On the flip side, the newly introduced HDFC Bank Diners Club Metal Edition Credit Card is now part of the offerings. Furthermore, this month introduces new partners, Nykaa and Jockey, with exciting offers. For all the details on these additions and other modifications, continue reading below.
HDFC Bank SmartBuy Offer – August 2023 Update:-
Significant changes are afoot in the HDFC Bank SmartBuy ecosystem. The daily cap of 7,500 Reward Points on Infinia credit cards has been lifted, leaving only a monthly cap of 15,000 reward points in place. In addition, ZoomCar is now a proud partner, allowing you to rake in 5x reward points.
Notably, MakeMyTrip has undergone a transformation, no longer operating as a standalone entity on the SmartBuy portal. It has joined the Compare & Stay option alongside Yatra and Cleartrip. This change means you can now earn 10x Reward Points on MakeMyTrip expenses when using HDFC Infinia, Diners Club Black, Regalia, and Privilege credit cards, along with a 5% cashback on other cards.
Furthermore, the cumbersome redirection to a standalone MakeMyTrip portal for bookings is no longer necessary. You can now seamlessly book MakeMyTrip hotel stays directly from the Compare & Stay section on the SmartBuy platform.
HDFC Bank SmartBuy Offer Key Highlights:-
HDFC Bank SmartBuy Offer Key Highlights:-
HDFC Bank has implemented some significant modifications to its SmartBuy 10x Reward Program, effective as of February 2022. Here are the key changes:
- On specific cards like HDFC Infinia, Diners Black, Regalia, and Diners Club Privilege credit cards, the reward points are now accelerated, ranging from 2 to 10 times the regular rate. Most other HDFC credit and debit cards are eligible for a 10% cashback on travel-related expenses (e.g., hotel, flight, bus, and train bookings) as well as for shopping on e-commerce platforms like Flipkart.
- HDFC Regalia and HDFC Diners Club Privilege Credit Cards, which previously earned cashback, will now accumulate accelerated Reward Points when using SmartBuy.
- The accelerated reward rate for Regalia and Diners Club Privilege Credit Cards matches that of the Infinia Credit Card.
- The accelerated reward rate for flight and bus ticket bookings via SmartBuy has been adjusted to 5x (down from the previous 10x).
- The accelerated reward rate for rail ticket bookings via SmartBuy has been reduced to 3x (down from the previous 5x).
- The accelerated reward rate for Apple store and Instant Vouchers now stands at 3x for the HDFC Diners Club Black Card, while it remains unchanged at 5x for the Infinia Credit Card.
- For the Diners Club Black HDFC Credit Card, the reward rate for Flipkart has been reduced to 2x (down from the previous 3x), while it remains the same for the Infinia Credit Card.
- Reward Points or Cashback will be posted within 90 days from the last date of the transaction month.
The revised reward rates on various HDFC Credit Cards via SmartBuy, effective from February 1, 2022, are outlined in the following table:
Here is the reward rate on SmartBuy for HDFC Infinia, HDFC Diners Club Black, and the newly introduced HDFC Bank Diners Club Black Metal Edition Credit Cards:
| Category | Infinia Credit Card (Reward Rate) | Diners Black & Diners Black Metal Edition Credit Card (Reward Rate) |
| IGP.com | 10x RPs | 10x RPs |
| Flights | 5x RPs | 5x RPs |
| Hotels (MakeMyTrip & Cleartrip) | 10x RPs | 10x RPs |
| RedBus | 5x RPs | 5x RPs |
| IRCTC | 3x RPs | 3x RPs |
| Instant Vouchers | 5x RPs | 3x RPs |
| Apple Store | 5x RPs | 3x RPs |
| Flipkart | 3x RPs | 2x RPs |
| Zoom Car | 5x RPs | 5x RPs |
| Nykaa | 5x RPs | 5x RPs |
| Jockey | 10x RPs | 10x RPs |
Reward Rate on SmartBuy for other HDFC Credit Cards-
| Category | Regalia & Diners Privilege Credit Cards | Cashback on other HDFC Credit/Debit Cards |
| Reward Rate | Reward Rate | |
| IGP.com | 10x RPs | 10% CB |
| Flights | 5x RPs | 5% CB |
| Hotels | 10x RPs | 5% CB |
| Bus | 5x RPs | 5% CB |
| Rail | 3x RPs | 5% CB |
| Instant Vouchers | 5x RPs | 5% CB |
| Apple Store | 5x RPs | 5% CB |
| Flipkart | 3x RPs | 1% CB |
| Nykaa | 5x RPs | 5% CB |
| Zoomcar | 5x RPs | 5% CB |
| Jockey | 10x RPs | 10% CB |
In addition to the monthly limit, there is a daily restriction on the maximum Reward Points that can be accrued on Infinia, Diners Black, Regalia, and Diners Privilege Credit Cards within a specific month. However, it’s important to note that there is no daily maximum cap on the cashback earned when using other HDFC Bank Credit Cards.
| HDFC Bank Credit Cards | Max Cap Per Month | Max Cap Per Day |
| Infinia | 15,000 | 15,000 |
| Diners Club Black | 7,500 | 2,500 |
| Diners Black Metal Edition | 10,000 | 10,000 |
| Regalia & Diners Club Privilege | 4,000 | 2,000 |
| Other Credit Cards (Cashback) | 1,000 | N/A |