Revaluation Restructure of HDFC credit card benefits

[aonok]

Hello,

I just wanted to post this to bring it to the attention of fellow technofinians and hear your take. This is something I have noticed while perusing through the HDFC Credit card offers currently running on Flipkart. It seems HDFC has restructured the category and reward system of its cards. I am currently holding 4 HDFC cards.

1. HDFC Swiggy card
2. PIXEL HDFC card
3. Freedom HDFC Card (My dads card)
3. Virtual HDFC Rupay UPI card

The Flipkart sale currently running offers Rs. 2100 off on iphone 16 purchase. When I punch in the card number on the payment page I am being granted the full offer price of Rs. 2100 on 2 of my cards (Freedom and Virtual Rupay UPI). Meanwhile the other two cards (Swiggy and PIXEL) grants a reduced discount of Rs. 500. (I am attaching the screenshots below for reference.)

Observation 1 : HDFC seems to be providing some reduced benefits now for their Co-Branded cards which was either excluded from offers or forfeited post-purchase before.

Observation 2 : I had applied for the PIXEL card as a 'Core' HDFC Card to avail the banks offers since co-branded cards were excluded. I have availed quite a few sale offers successfully with my PIXEL Card in the past. Now it seems the PIXEL card has been downgraded and is no longer a 'Core' HDFC Credit card.

The offer is still running currently on Flipkart and fellow members holding an HDFC Credit card may test this out and verify or repudiate these observations. Inputs will be beneficial for all members.

 

[Dr.AMAN]

No that is extra offer like Rs 500 off on 25000 type that will applied only instant discount will not be applied on co brand credit card like 10 percent discount on purchase above 5000. Still same from last year.

In my above example HDFC bank offer is Rs.4100( there is additional Rs.500 discount so 4600). Both Freedom and Tata neu are giving the instant discount inspite of Tata neu card being a cobranded one. Swiggy is giving 3000 discount because that Rs.1500 we will anyway get by 5% CB. So yes cobranded cards r getting instant discount atleast at the moment.

 

[aonok]

UPDATE!

It seems hdfc is now selectively curating the discounts according to products. The advertised sale offers in their cards seem to be arbitrarily applied. This is going to add to the already highly confusing guidelines on their card benefits. I can’t make head or tail of it.

When I punch in the card numbers on payment for SAMSUNG BOOK 4 edge laptop, a flat Rs. 5000 appears and the final price comes to Rs. 60,198 for all my 4 cards including Swiggy. (Pics below)



Meanwhile, when I do the same for the GOOGLE PIXEL 10, three of the cards show a flat Rs. 7000 discount with the final price coming to Rs. 73,230 except the Swiggy card where there is no discount and it remains at Rs. 80,188 (pics below)



Thoughts?

 

[Dr.AMAN]

UPDATE!

It seems hdfc is now selectively curating the discounts according to products. The advertised sale offers in their cards seem to be arbitrarily applied. This is going to add to the already highly confusing guidelines on their card benefits. I can’t make head or tail of it.

When I punch in the card numbers on payment for SAMSUNG BOOK 4 edge laptop, a flat Rs. 5000 appears and the final price comes to Rs. 60,198 for all my 4 cards including Swiggy. (Pics below)

View attachment 108298View attachment 108299View attachment 108300View attachment 108301

Meanwhile, when I do the same for the GOOGLE PIXEL 10, three of the cards show a flat Rs. 7000 discount with the final price coming to Rs. 73,230 except the Swiggy card where there is no discount and it remains at Rs. 80,188 (pics below)

View attachment 108302View attachment 108303View attachment 108304View attachment 108305

Thoughts?

It is still a good thing that cobranded cards like Tata neu are getting same discount rate as their core card. If I have TNI I will not only get the bank discount but also the base 1.5%. Swiggy card anyways doesnt make sense above Rs.30k because it will hit its monthly 1500 CB limit at 30k.