HDFC Bank Credit Cards 5X points on International Spends [Upto 16% returns]

HDFC Bank has renewed its list of 10x partners. In their attempt to keep the HDFC Bank Diners Club cardholder happy, they added the international spend program in September 2017, where one could get HDFC Diners 10X points for International Spend through December 31, 2018. The international spend promotion was not renewed after the end of December 2018, which had me look for other ways to get 10X points on International spends with HDFC Bank.  But now we have a new HDFC Bank 5X Reward Points promotion going on.

HDFC Bank 5X Reward Points for International Spends in November 2019

International Shopping

Much on the lines of the  HDFC Bank 5X Rewards points Fivetastic promotion, now, there is another set of promotions valid on all HDFC Bank Credit Cards for International Spends. It is valid on all personal HDFC Bank Credit Cards which issue Reward Points.

a screenshot of a website

The new HDFC International Spends offer is valid between November 6 and November 30, 2019.  HDFC Bank is offering 5X rewards on International Spends, on POS spends as well as online spends, between this period, with a maximum cap of 5,000 points per cardmember.

The bonus points earned here are over and above any spends made on other promotions such as the regular 10X promotion. The points come in within 90 days after the spend is done, and you need to pay in a foreign currency to be able to get your points.

Value of the International Spends Promotion

  • HDFC Bank Diners Rewardz/Regalia First: You earn 3 Reward Points/ INR 150 spent, which value at INR 0.90. With this promotion, you get another 12 Reward Points/INR 150 spent, so you get a total value of INR 4.5/INR 150 spent, which makes it 3% cashback in total.
  • HDFC Bank Diners Premium/Club Miles/Regalia: You earn 4 Reward Points/ INR 150 spent, which value at INR 2. With this promotion, you would get another 16 Reward Points/INR 150 spent, so you get a total value of INR 10/INR 150 spent, which makes it a 6.66% cashback in total.
  • HDFC Bank Diners Black/Infinia: You earn 5 Reward Points/ INR 150 spent, which value at INR 5. With this promotion, you would get another 20 Reward Points/INR 150 spent, so you get a total value of INR 25/INR 150 spent, which makes it a 16.66% cashback in total.

Of course, HDFC Bank has a lot many more credit cards as well, which have this feature and you will have to compute the value of your RoI as well.

Again, these are promotions for points earning cards and not valid for miles earning cards such as those with JetPrivilege. You need to make transactions over INR 150 to be eligible for the points in the first place.

Revisiting HDFC Global Value: 1% Cashback

HDFC Bank also has a Global Value program. You pay INR 199 towards your welcome or renewal benefit from this promotion. In return, you get 500 Reward Points on activation by doing the first international transaction. Subsequently, you get 1% cashback up to INR 1000 per billing cycle. If you spend more than INR 150,000 per annum, you get an additional INR 2000 Yatra Voucher. You need to call HDFC Bank to enrol in this program, and you get it activated within five working days.

HDFC Bank Global Value

Why does this make sense? Well, you pay 2% markup fees +GST on your cards and with this, you get back much more (1% cashback, 5X points and more).


I’m glad that HDFC Bank continues to keep its customers happy. So, if you are on an international trip, here is the place to direct some of your spends on. Although do check if you were targetted for the promotion or not via email.

What are your thoughts on the promotion?

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About Ajay

Ajay Awtaney is the Founder and Editor of Live From A Lounge (LFAL), a pioneering digital platform renowned for publishing news and views about aviation, hotels, passenger experience, loyalty programs, travel trends and frequent travel tips for the Global Indian. He is considered the Indian authority on business travel, luxury travel, frequent flyer miles, loyalty credit cards and travel for Indians around the globe. Ajay is a frequent contributor and commentator on the media as well, including ET Now, BBC, CNBC TV18, NDTV, Conde Nast Traveller and many other outlets.

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        • No, I haven’t and I am equally confused since “The offer is only applicable for selected customers who receives a formal communication from HDFC.” Will update once I get through a reasonably erudite customer care executive at HDFC.

          • That’s HDFC’s way of writing ambiguous TnCs which always favor them and are always poorly and incompletely written. Once when I raised a complaint for not receiving partners 10X points on my Diners Black, I was asked to share the offer email received! Now beat that! If you call them, I’m pretty sure they won’t even be aware of this offer!

          • Customer Care was clueless, they also needed the Offer URL to learn about the offer. They washed off their hands directing me to ask my RM.
            My RM is in the same boat, trying to get in touch with the internal Credit Card team
            The efforts on.. Will loop you in once I received any concrete confirmation..

  1. Would be greatly beneficial if you could include the Foreign Currency exchange surcharge to each of the cards mentioned, better helping the readers with actual earning potential.

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