Smartbuy is the leader when it comes to earning accelerated rewards on HDFC credit cards. After all, there are few cards that can match the 10X reward points on its super-premium credit cards. We have seen some devaluation over the years for Smartbuy. But, almost every month HDFC Bank does a Smartbuy Extra Savings Days for 3 to 4 days. During this time, we get a higher reward multiplier and discounts for ‘extra savings’.
Smartbuy Extra Savings Days – Details
| Validity | 28th to 31st October 2021 |
| Offer | Up to 10X Rewards for Infinia/Diners Club Black credit cards Up to 10% cashback for other cards |
| Upper Cap | 15000 Reward Points for Infinia 7500 Reward Points for DCB Rs 2000 cashback for Regalia/Diners Club Privilege Rs 1000 cashback for other credit cards |
| Offer Link | Smartbuy Deal |
Additional Rewards Details
The best savings are for Amazon and Instant Vouchers categories. With the increased limit of Rs 10000 for Amazon/Flipkart vouchers, this is a good time to buy them and stock up on other brand vouchers as well.
| Shopping Category | Rewards for Infinia/DCB | Cashback for other credit cards |
|---|---|---|
| Amazon | 10X | 10% |
| Flipkart | 6X | 2% |
| Instant Vouchers | 10X | 10% |
Additional Offer Details
This is another sweet offer. We get 10X rewards on flights/hotels plus the instant discount on bookings.
| Shopping Category | Offer |
|---|---|
| Flights/Hotels | Rs 500 Instant Discount on minimum transaction of Rs 5000 |
| MMT Hotels | Rs 500 SmartBuy Travel Vouchers on minimum transaction of Rs 20000 |
| Buses | Rs. 200 Instant Discount on minimum transaction of Rs 2000 |
| Rail | 5% Instant Discount up to Rs 50 on a min transaction of Rs 1000 |
My Take
For Infinia/DCB cardholders, this is a great way to accumulate reward points on regular transactions. 10X on instant vouchers can be utilized to load up on different brands for use later.
I generally try to delay Smartbuy purchases and wait for Extra Savings Days offer to get the extra return on my transactions. So, go ahead and use that HDFC Bank credit card for ‘extra savings’.
