₹35,530

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

2X MR on Gyftr voucher purchases through the ShopWise portal (formerly Reward Multiplier) — buy an Amazon, Flipkart, or Tanishq voucher, spend it, effectively earn ~4.7% on the underlying purchase.

• Gyftr vouchers (30+ brands) via rewardsmultiplier.americanexpress.co.in — 2X
• Amazon Pay, Flipkart, Myntra, Tanishq, Croma vouchers — 2X
• Buying on the brand's own website/app — 1 MR/₹50 base
• Utility, insurance, tax, fuel vouchers — 0
• Rent platforms (Amex not accepted) — 0

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

The 5% rate applies ONLY at 10 listed partners: Amazon, Flipkart, Swiggy, Zomato, Myntra, BookMyShow, Cult.fit, SonyLIV, Tata CLiQ, Uber. Cap is 1,000 CashPoints/month (₹20K spend).

• Amazon, Flipkart, Myntra, Tata CLiQ purchases — 5%
• Swiggy, Zomato food orders — 5%
• BookMyShow, SonyLIV, Cult.fit subscriptions — 5%
• Uber rides — 5%
• Any other online merchant (Nykaa, Ajio, AJIO Luxe, etc.) — 1% base
• Gift card / voucher purchases at 5% merchants (MCC 6540) — 1%
• EMI transactions on any merchant — 0%
• Beyond the 1,000 CP/month cap — 1% base

Travel and voucher bookings made through HDFC SmartBuy earn an additional 5% on top of the 1% base — total ~6%.

• Flights, hotels, trains via SmartBuy — ~6%
• Gyftr vouchers via SmartBuy — ~6%
• Booking direct with MakeMyTrip, Cleartrip, etc. — 1% base
• Airline or hotel direct websites — 1% base