Here is how to double dip the HDFC 10X Happy Hours

Of all the credit card promotions this festive season, the HDFC 10X Reward Happy Hours offer has one of the best reward rates out there. So much so, that you get upwards of 50% benefits on select cards. Shopping becomes even more rewarding when you stack this promotion with other HDFC credit card cashback offers.

To refresh, you can 10X points when you shop for apparel and electronics between 5 PM and 9 PMĀ using an HDFC Bank credit card through November 10, 2018. HDFC Bank has also tied up with merchants across categories ranging from apparel, jewellery, e-shopping and more. Here you can get additional benefits ranging from cash backs to extra discounts.

Popular merchants include:

  • Sephora: 10% cashback
  • GAP: 10% cashback
  • Myntra – 10% discount
  • Croma – 5% cashback
  • Cox & Kings – 10% cashback

You can view the complete list of partner merchants here. Each merchant has a different set of terms and conditions. For example, the Myntra offer is only applicable on select products and a promo code is required, while the Croma promotion is only valid on Fridays. Hence, make sure to read the fine print before going out shopping. The cash back and discounts are valid on HDFC Bank Debit cards too. And at some stores, the benefit is extended to EMI transactions as well.

HDFC credit card cashback offers

Double Dipping Opportunity

The best place to double dip is at merchants where you get a cashback. For example, if you swipe your HDFC Diners Black at a GAP outlet for INR 9,000 during the happy hours, you get 33.3% value in points. On top of that, you also get a 10% cashback worth INR 900. 3000 points and an INR 900 cashback. The entire Apparel and Electronics Category is full of these deals


HDFC Bank has come out all guns blazing this festive season. Their credit cards just seem to keep on giving with benefit after benefit. By stacking the 10X Happy Hours offer with other cash backs and discounts, you get more for every penny spent.

Where do you plan to double dip using an HDFC Credit card?


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