How to use the HDFC SmartBuy platform to enhance credit card benefits?

  • authorGopal Gidwani
  • 20-05-2022
HDFC Bank has tie-ups with various online and offline merchants for offering discounts to its customers from time to time. The HDFC SmartBuy portal lists all such merchant offers. This article focuses on what is the HDFC SmartBuy platform and how to use it to enhance credit card benefits.

What is the HDFC SmartBuy platform?

The HDFC SmartBuy platform is like an affiliate marketing portal. When you visit the portal, you will find a set of merchants and offers listed in it. You can avail these offers by doing credit/debit card transactions either directly on the SmartBuy portal or by visiting the listed merchant website through the HDFC SmartBuy portal.

Benefits of HDFC SmartBuy platform:

  • Direct discount on MRP
  • (or)
  • Accelerated reward points ranging from 2X to 10X or 1 to 10% cashback
  • (or)
  • A combination of direct discount and accelerated reward points/cashback.

Merchants listed on the SmartBuy portal:

Using the SmartBuy portal, you can do transactions in the following categories:

  • Flights tickets booked through Yatra, Cleartrip, and EaseMyTrip.
  • Hotel accommodation booking through Yatra, Cleartrip, and MakeMyTrip bookings.
  • Train and bus ticket bookings from IRCTC & RedBus.
  • Shopping on Amazon, Flipkart.
  • Purchase of instant vouchers of more than 150 online and offline brands through Gyftr.

Reward rate for Credit Cards:

Using your credit card, when you do any transaction on any of the above merchants through the SmartBuy platform, you will get accelerated reward points or cashback. The reward rate will depend on the credit card you use and the merchant where you do the transaction.

SmartBuy reward chart:

CategoryInfinia (Rewards Points)Diners Black (Rewards Points)Regalia & Diner's Privilege (Reward Points)Offer on other HDFC Bank Credit Card /Debit Card /PayZapp Wallet(CashBack)
Flights (Via Cleartrip & Yatra & EaseMyTrip)5X5X5X5%
Hotels (Via Cleartrip & Yatra)10X10X10X5%
MakeMyTrip (Hotels)10X10X10X5%
Instant Vouchers5X3X5X5%
Apple Imagine ! Tresor5x3X5X5%

The above reward structure is as of 25th April 2022. HDFC Bank may add/remove merchants and modify the reward rates on merchants from time to time. For the latest list of merchants and the reward rates, refer to the SmartBuy portal.

Depending on the credit card that you hold, HDFC Bank gives you one reward point (base rate) or more, for every Rs. 150 that you spend using the card. For example, HDFC Infinia and Diners Black cardholders get 5 reward points (base rate) for every Rs. 150 that they spend using the card. So, an accelerated reward rate of 10X will give you 50 points for every Rs. 150 that you spend, and a 5X reward rate will give you 25 points for every Rs. 150 that you spend.

For every card, the value of a reward point depends on how it is redeemed. For example, in the case of Infinia and Diners Black cards, the value of 1 point is Re. 1 when redeemed for flights or hotel bookings on the SmartBuy platform.

Daily and monthly limits on the reward points:

There are daily and monthly limits on the reward points you can earn through the SmartBuy platform.

HDFC Bank CardMaxcap Per calender monthMax per day
Infinia (Rewards Points)15,0007,500
Diners Black7,5002,500
Regalia & Diners Privilege (Reward Points)4,0002,000
Other Credit Card (CashBack)Rs.1,000NA
Debit Card (CashBack)Rs.1,000NA
PayZapp wallet (Cashback)Rs. 1,000NA

The above table was sourced from the HDFC website on April 25th,2022. Please refer to the SmartBuy portal for the latest information on daily and monthly limits.

Enhancing SmartBuy benefits:

We have seen various merchants listed on the SmartBuy portal and the reward rates for them. Let us understand how you can club the SmartBuy benefits with other credit card benefits and enhance your overall benefits.

You can buy Rs. 5,000 Amazon gift vouchers/month from the Instant Vouchers section on the SmartBuy portal. You can get a reward rate of up to 16.67% depending on the credit card that you hold. You can add the Amazon gift voucher to your Amazon wallet and then use the Amazon Pay balance for payments. On 24th April 2022, Amazon offered an extra 10% cashback (in the form of Amazon Pay balance) on fashion and beauty orders of Rs. 3,000 and above.

smart buy mega offer

You can place an order on Amazon and avail of direct discount on MRP, 10% cashback, pay with Amazon Pay and avail of the up to 16.67% reward rate from SmartBuy.

This was an example offer running on Amazon for a limited period. These offers and cashback vary from time to time.


The SmartBuy portal provides you with an accelerated reward rate on most category spends. These include booking flight tickets, train tickets, bus tickets, hotel accommodation, shopping on Amazon and Flipkart marketplaces, and access to instant vouchers from 150+ online and offline merchants. The reward points earned from these transactions accrue in your account and can be later redeemed in multiple ways. Use SmartBuy as your go-to portal for any purchases with HDFC cards.