Editor’s note: This is a recurring post, regularly updated with new information and offers. Last Updated 10th April 2024.
Overview
HDFC SmartBuy is an online portal exclusively designed for HDFC Bank customers offering an extensive range of products and services provided by merchants across a variety of categories. The most commonly used cases of this portal can be listed as follows:
- Air/Rail/Bus Ticket Bookings
- Hotels Bookings/Holiday Packages
- Car Rental
- Affiliate Shopping
- Instant Vouchers
All the merchant offers are dynamic and thus keep on changing occasionally.
Reward Rate
| Multiplier | Infinia, BizBlack Metal Edition Diners Black Metal Edition, Diners Black card | BizPower, Regalia, Regalia Gold and Diners Privilege |
| 10X | 33.3% | 13.3% |
| 5X | 16.6% | 6.65% |
| 3X | 9.99% | 3.99% |
| 1X | 3.33% | 1.33% |
The above reward rates are the maximum redemption values and can be redeemed only on travel since these cards are travel-focused. Other than the above-listed cards HDFC Bank also offers a 5% to 10% cashback on their other credit cards and all debit cards as well. HDFC follows a completely different reward chart for TATA Neu Cobranded cards.
Customers shall get respective bonus reward points/cashback on their credit card account within 90 working days from the last date of the transaction month.
Monthly Capping
There is also a maximum capping on the bonus reward rate ie if you are utilizing a 5X multiplier benefit then you will get unlimited 1X reward points as per the base feature of your card but the rest of the 4X points will follow a daily as well as a monthly capping. Here I am listing a monthly capping for the same. Instead of calculating manually, it’s always a wise move to use the HDFC Savings Calculator.
| HDFC Bank Card Variant | Monthly Capping | Daily Capping |
| Infinia (Reward Points) | 15,000 | 15,000 |
| Diners Black Metal Edition (Reward Points) | 10,000 | 10,000 |
| BizBlack Metal Edition and Diners Black (Reward Points) | 7,500 | 2,500 |
| BizPower, Regalia, Regalia Gold and Diners Privilege (Reward Points) | 4,000 | 2,000 |
| Other Credit and Debit Cards (Cashback) | 1,000 | 1,000 |
| Tata Neu Cards (Neu Coins) | 1,000 | 1,000 |
Bottomline
SmartBuy is a good way to press that accelerator on your reward rate whether you are mileshunter or a cashback junkie. Buying Amazon Pay, Flipkart, BigBasket etc instant vouchers is almost a monthly ritual for all credit card users. Other than that there is some real value in booking flights and hotels via the portal even if don’t intend to burn your points since sometimes they tend to be cheaper than the offers available on the OTA websites directly.
What is your favourite way of using the HDFC SmartBuy portal? Do let us know in the comments below!
Chief Editor, TechnoFino.
Personal finance nerd! Physics enthusiast and trainer. When not into Physics, he is minting points and hunting for the next best credit card for himself.
Hi.. Wanted to know if the add on cards yield another set of 15000 points or even that is capped with primary card ? the numbers on add card are different.
Addon points go under same quota.