HDFC Bank’s SmartBuy platform continues to be one of the most rewarding platforms for HDFC credit card users in India, offering up to 10X reward points or 10% cashback on everything from flights to fashion, medicines to mobile recharges. If you hold an HDFC Bank credit card, chances are you’ve come across SmartBuy, the bank’s dedicated rewards platform that is a powerhouse of perks, serving up a buffet of high-value offers across travel, e-commerce, wellness and more. Here’s a detailed breakdown of how different categories stack up on SmartBuy:
Travel Bookings: Flights, Hotels & Trains
Frequent flyers and occasional travellers alike can both benefit from incredible travel deals for SmartBuy offers real value when bookings are made through partner sites like Yatra and IRCTC. Users of Infinia, Diners Club Black and Regalia cards can earn %x on flights and 10X reward points on hotel bookings, making business trips and holidays significantly more rewarding. Even train bookings earn base or slightly boosted rewards when done via SmartBuy.
Amazon & Flipkart Purchases
A boon for online shopping, SmartBuy allows users to earn between 5% and 10% cashback or reward points on Amazon and Flipkart, depending on the card tier. Users should just remember to begin and complete the purchase within the same SmartBuy browser session without logging out or switching tabs, or the rewards won’t count. Cashback and point earnings are subject to monthly caps and depend on the card. This offer shines during big sale periods like the Great Indian Festival or Big Billion Days
Myntra Shopping Offers
For fashion seeking shoppers, SmartBuy also offers rewards on Myntra. Cards like Infinia, Diners Club Black, and Regalia can earn up to 10X reward points, while holders of Millennia and MoneyBack+ cards can receive 5% cashback on their purchases. Rewards are tracked against the card’s broader monthly shopping limit.
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Healthcare and Medicines (PharmEasy)
SmartBuy isn’t just about shopping and travel but it’s also rewarding your wellness. Purchases made through PharmEasy through the SmartBuy portal, including medicines, diagnostics and health essentials, qualify for 5X to 10X reward points. These offers mostly apply to cards like Infinia and Diners Club Black and are a great way to turn unfortunate health spending into reward filled transactions.
Bill Payments and Utilities
For necessary expenses like electricity, gas, and mobile bills, SmartBuy offers a steady benefit and that is simply by registering for SmartPay (HDFC’s auto-debit utility payment feature), users can earn 5% cashback for a full 12-month period starting from their first registered bill. This benefit is open to both credit and debit card users and adds real value to regular bills with zero extra effort.
Gift Vouchers: Amazon, Flipkart & More
SmartBuy’s Instant Voucher section lets users buy digital vouchers from top brands like Amazon, Flipkart, and Lifestyle. Infinia and Diners Black cardholders get 5X reward points, while others may earn 5% cashback. However, cardholders should keep in mind that a processing fee of up to 3% + GST applies on some vouchers (particularly Amazon and Flipkart), which slightly offsets the benefit. Even so, it remains a convenient and often strategic way to utilise your points or plan for big-ticket purchases.
Deals and Cashbacks
SmartBuy isn’t static. Limited-time flash deals and super saver offers are a recurring feature. Think BOGO (Buy-One-Get-One) on movie tickets, flat discounts on gadgets, or bonus rewards on food delivery from Swiggy and BigBasket. Though cashback percentages in these deals usually range from 2% to 5%, they’re worth watching out for, especially during festivals or seasonal sales. These are updated weekly or monthly, so it pays to check the portal often.
Each rewards category offers a different benefit for credit cardholders and they can all be accessed through the SmartBuy platform of HDFC Bank, which ensures that every rupee a user spends goes a little further.
Written by Teertha Ravi
