The HDFC Bank 10X Reward Points for the Smartbuy programme was supposed to be over yesterday, but as I was very confident, I expected them to be extended.

When you click through to the promotion, you would see, the HDFC 10X Smartbuy promotion has the date of May 2020 now. The 10X promotion is only limited to Infinia, Diners Club cards and the Regalia card. Everyone else gets 5% cashback.

That means you could earn 10X points for the following activities with HDFC SmartBuy here on:

• Flight Booking
• Hotel Booking
• Shopping via Flipkart and Amazon
• Comparison shopping via the SmartBuy website
• Trains & Buses
• Instant Vouchers

Different credit cards have a different ceiling on the number of points you can earn.

• Infinia has a ceiling of earning 25,000 HDFC Reward Points per month.
• Diners Club Black cards have a limit of earning 15,000 HDFC Reward Points per month.
• Other Diners Club/ Regalia cards have a limit of earning 5,000 HDFC Reward points per month.
• Other Credit/Debit cards will get a 5% cashback, capped at INR 1,000 per month.

Concerning EMI, the 10X points are applicable on Credit card EasyEMI Transactions (on flights / Hotels / Bus / Instant Vouchers / Flipkart store) on Infinia or Diners Club or Regalia Credit card only, for the EMI for the month (Minimum EMI size is INR 3,000). On Debit card EasyEMI Transactions (on flights / Hotels / Bus / Instant Vouchers / Flipkart store) for select customers only, for the EMI for the month (Minimum EMI size is INR 5,000) will get the 10X points.

So, primarily, the Smartbuy site can now be used in the following manner to maximise the promotion:

• Infinia: Maximum Spend of INR 83,333 at Smartbuy will get you 25,000 bonus Reward Points at the rate of 33% cashback (30% bonus and 3% regular, each point earned is INR 1)
• Diners Club Black: Maximum Spend of INR 50,000 at Smartbuy will get you 15,000 bonus Reward Points at the rate of 33% cashback (30% bonus and 3% regular, each point earned is INR 1)
• Diners Club Miles/Premium/Regalia: Maximum Spend of INR 20,835 at Smartbuy will get you 5,000 bonus Reward Points at the rate of 12% cashback (Each point earned is INR 0.5)
• Diners Club Rewardz: Maximum Spend of INR 27,779 at Smartbuy will get you 5,000 bonus Reward Points at the rate of 6% cashback (Each point earned is INR 0.3) 

You might wonder what use is this promotion in May 2020 with everything at a standstill at least till May 17, 2020, but there is some use out there. Look at the instant vouchers section and use the relevant vouchers for your purchases to get 33% on your groceries and other purchases.

What do you think would be a good enhancement for this 10X promotion for the time of the Quarantine?

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