: Most travel and high-value redemptions (like Apple or Tanishq) allow you to pay up to 70% of the value using points, with the remaining 30% charged to your card.
For premium cardholders, SmartBuy is the most efficient way to use points: hdfc smart buy app
: Depending on your card variant (e.g., Infinia, Diners Black, or Regalia), you can earn up to 10X reward points or 5%–10% cashback on partner spends. : Most travel and high-value redemptions (like Apple
Hotel & HDFC Flight Offers with SmartBuy Instant Vouchers - gyftr This is often the most effective "hack" for
: Purchase instant gift cards for over 150 brands (like Amazon, Swiggy, and BigBasket). This is often the most effective "hack" for earning high rewards on everyday groceries and shopping.
HDFC SmartBuy is HDFC Bank’s "virtual mega marketplace" and a primary tool for credit cardholders to maximize their reward points. It acts as an aggregator for travel, shopping, and vouchers, often offering "accelerated rewards" (like 5X or 10X points) compared to regular spends.
: Book flights (via EaseMyTrip, Cleartrip, Yatra) and hotels (via Cleartrip, Yatra, MakeMyTrip) directly through the portal.