₹30,982

Hotel bookings made through HDFC SmartBuy earn 10X (~13.3% at ₹0.50/RP). Direct hotel websites earn only the 2.67% base.

• Hotel bookings via smartbuy.hdfcbank.com — 10X
• Capped at 4,000 RP/month; 2,000 RP/day
• Booking.com, Agoda, Airbnb, hotel direct sites — base rate
• Beyond 4,000 RP/month cap — base rate only

Flight bookings via HDFC SmartBuy earn 5X (~6.67%). Booking direct with airlines or other OTAs drops to the 2.67% base.

• Flights via smartbuy.hdfcbank.com — 5X
• Shares cap with hotels: 4,000 RP/month
• IndiGo, Vistara, Air India direct websites — base rate
• MakeMyTrip, Yatra, Cleartrip — base rate

5X on Gyftr vouchers purchased through HDFC SmartBuy — e.g. buy a Myntra voucher, then spend it to effectively earn ~6.67% on Myntra.

• Gyftr vouchers (Amazon, Flipkart, Myntra, etc.) via SmartBuy — 5X
• Buying the same voucher on Gyftr.com directly — base rate
• Utility/insurance/tax vouchers — earn 0

5X earn applies only at Myntra, Marks & Spencer, Nykaa, and Reliance Digital — paid directly, not via SmartBuy.

• Myntra, M&S, Nykaa, Reliance Digital app/website — 5X
• Capped at 5,000 RP/month across these merchants
• Ajio, Tata CLiQ, Amazon, Flipkart — base rate
• Gift card purchases at these merchants — base rate

30X fuel earn (5%) requires swiping or tapping the physical card at HPCL. HP Pay and UPI at the pump do NOT earn 30X.

• Physical swipe/tap at HPCL fuel stations — 30X (~5%)
• Transactions ≥ ₹200
• Capped at 2,400 RP/month
• HP Pay app payments — 0 RP (HP Pay's own Happy Coins are a separate currency)
• UPI payments at HPCL — only 3X (0.5%)
• Non-HPCL fuel stations (BPCL, IOCL, Shell) — 3X base only
• Fuel surcharge waiver was removed May 2024 — net return ~3.82% per swipe

5% grocery earn requires the merchant to use grocery MCC 5411/5499. Quick-commerce apps like Swiggy Instamart and Flipkart Grocery don't qualify.

• BigBasket, Zepto, Reliance Smart, DMart swipes — 30X
• Shares ₹400/month cap with utilities
• Swiggy Instamart — excluded
• Flipkart Grocery — excluded
• Amazon Fresh — MCC varies; often excluded

5% utility earn applies only up to ₹20K per billing cycle. Beyond that, a 1% surcharge kicks in and the reward shrinks.

• Electricity, gas, water, broadband — 30X on first ₹20K/cycle
• Shares ₹400/month cap with groceries
• Utility spend beyond ₹20,000/cycle — 1% surcharge applies
• FASTag recharges beyond ₹10K/cycle — 1% surcharge

Hotel bookings made through HDFC SmartBuy earn 10X (~13.3% at ₹0.50/RP). Direct hotel websites earn only the 2.67% base.

• Hotel bookings via smartbuy.hdfcbank.com — 10X
• Capped at 4,000 RP/month; 2,000 RP/day
• Booking.com, Agoda, Airbnb, hotel direct sites — base rate
• Beyond 4,000 RP/month cap — base rate only

Flight bookings via HDFC SmartBuy earn 5X (~6.67%). Booking direct with airlines or other OTAs drops to the 2.67% base.

• Flights via smartbuy.hdfcbank.com — 5X
• Shares cap with hotels: 4,000 RP/month
• IndiGo, Vistara, Air India direct websites — base rate
• MakeMyTrip, Yatra, Cleartrip — base rate

5X on Gyftr vouchers purchased through HDFC SmartBuy — e.g. buy a Myntra voucher, then spend it to effectively earn ~6.67% on Myntra.

• Gyftr vouchers (Amazon, Flipkart, Myntra, etc.) via SmartBuy — 5X
• Buying the same voucher on Gyftr.com directly — base rate
• Utility/insurance/tax vouchers — earn 0

5X earn applies only at Myntra, Marks & Spencer, Nykaa, and Reliance Digital — paid directly, not via SmartBuy.

• Myntra, M&S, Nykaa, Reliance Digital app/website — 5X
• Capped at 5,000 RP/month across these merchants
• Ajio, Tata CLiQ, Amazon, Flipkart — base rate
• Gift card purchases at these merchants — base rate

The 10% cashback only applies to orders placed on the Swiggy app or swiggy.com (food delivery and Dineout). Orders must be at least ₹249 after discounts.

• Swiggy food delivery via app or website — 10%
• Swiggy Dineout bill-pay at partner restaurants — 10%
• Transactions ≥ ₹249 per order (post-discount)
• Zomato, EatSure, or any in-restaurant dining — 1% base only
• Swiggy Money wallet loads or Swiggy Minis — 0%
• Swiggy Liquor orders — 0%
• Swiggy orders under ₹249 after discounts — drops to 5% or 1%

Groceries only earn 10% when ordered through Swiggy Instamart on the Swiggy app. Other grocery channels fall to the base rate.

• Swiggy Instamart orders ≥ ₹249 — 10%
• Shares the ₹1,500/month cap with Swiggy food delivery
• BigBasket, Blinkit, Zepto, or Amazon Fresh — 1% base
• Supermarket and kirana swipes — 1% base
• Instamart orders under ₹249 — drops to 1%

The 5% travel cashback applies only to Cleartrip flight and hotel bookings — other OTAs earn the base rate.

• Cleartrip flights and hotels — 5%
• MakeMyTrip, Yatra, EaseMyTrip, Booking.com — 1% base
• Airline or hotel direct websites — 1% base

Online shopping earns 5% only on HDFC's curated list of MCC-filtered merchants (apparel, electronics, cabs, pharmacies, dept stores). Both the MCC and the merchant must match.

• Major online apparel, electronics, pharmacy, and dept-store sites
• Uber/Ola rides booked online
• Transactions ≥ ₹100
• Gift card purchases at eligible merchants — 0%
• HDFC SmartBuy portal transactions — 0% (excluded March 2026)
• Rent, utilities, fuel, education, insurance — excluded categories

10% cashback on dining — restaurants, bars, and fast food tagged at MCCs 5812/5813/5814. Shares a ₹1,000/billing-cycle cap with food delivery and groceries; once exhausted, additional dining drops to zero (not 1.5%).

• Standalone restaurants and bars — 10%
• QSR / fast food with correct MCC — 10%
• Live+ Dining Programme partners (EazyDiner / PayEazy) stack 15% off + 10% cashback on post-discount ≈ 23.5% effective
• Mall-based food courts often coded MCC 5399 (misc retail) — 1.5% base only
• Restaurant gift cards / vouchers — coded non-dining MCCs, 1.5% at best
• Any spend beyond the ₹1,000 shared monthly pool — 0%, not 1.5%

10% cashback on food delivery — Swiggy, Zomato, Swiggy Instamart, Swiggy Dineout. Shares the same ₹1,000 monthly pool with dine-in and groceries.

• Swiggy, Zomato food delivery orders paid by card — 10%
• Swiggy Instamart, Swiggy Dineout — 10%
• Swiggy Money wallet loads (MCC 6540) — 0% (excluded)
• UPI payments on food-delivery apps — 0% (no UPI on this card)
• Any spend beyond the ₹1,000 shared monthly pool — 0%, not 1.5%

10% cashback on groceries coded MCC 5411 — DMart, Blinkit, Zepto, BigBasket, Amazon Fresh, JioMart, Licious, Reliance Fresh, and most kirana with correct MCC. Shared ₹1,000 monthly pool with dining and food delivery.

• DMart, Blinkit, Zepto, BigBasket, JioMart, Amazon Fresh, Licious — 10%
• Reliance Fresh — 10% (separate from Smart Point / Smart Bazaar)
• Kirana stores with POS tagged MCC 5411 — 10%
• Milkbasket — MCC outside 5411, 1.5% base only
• Flipkart Grocery (MCC 5699 misc retail) — 1.5% base only
• Reliance Smart Point / Smart Bazaar (often MCC 5722 home décor) — 1.5% base only
• Blinkit Amazon-voucher hack — patched 2024 to MCC 5732, now 1.5% only
• Any spend beyond the ₹1,000 shared monthly pool — 0%, not 1.5%

1.5% unlimited cashback on every other eligible spend — no cap, no category gate. Credits automatically as statement credit 2–5 working days after the statement date.

• Retail, online shopping (non-grocery, non-dining) — 1.5%
• Travel, subscriptions, entertainment — 1.5%
• International spend — 1.5% (minus 3.5% forex markup, net negative abroad)
• Fuel, rent, utilities, insurance, EMIs, education, government, B2B — 0% (excluded post-15 Jul 2024)
• Jewellery, wholesale clubs, gambling, tolls, charity, collections — 0%
• Financial / quasi-cash (MCC 6011/6012/6051/6211 — includes crypto, broker funding) — 0%