We have written extensively about the HDFC Diners 10x program. HDFC Bank Diners Club 10X Rewards were my favourite kind of reward currency primarily due to some offbeat transfer partners they provided in India. The list went away in 2016, but still, I look at it as a 33% cashback card, with all the cashback going towards travel.
The list of 10X partners frequently gets updated, but no major shakeups, until now that is. The focus has been on travel & e-commerce. They initially put out a year-long list of partners, but then recalled it, and started to extend the date of the promotion by the months. Here are the announcements for April, May, June & July 2016. Then, it got extended through March 2017 but applied caps on reward earning per month, and a one-month extension through April 2017. In May, they put a new list valid through July 2017. Subsequently, they added all categories of SmartBuy on the list as of July 2017. In the last reveal, they knocked off the travel category. You can now access this category through SmartBuy which is for everyone who is an HDFC Bank Credit Card Holder.
HDFC Bank Diners Club 10X on Smartbuy
Today, HDFC Bank has confirmed that SmartBuy would continue through March 2019. This is in line with their previous line of thinking, where they extended the promotion through December 2018.
That means you could earn 10X points for the following activities with HDFC SmartBuy here on:
- Flight Booking
- Hotel Booking
- Shopping via Flipkart & Amazon
- Comparison shopping via the SmartBuy website.
The maximum number of reward points you can earn per cycle is 25000 Reward Points, and the promotion does not apply to EMI transactions. These are over and above the reward points towards the usual 10X cycle every month.
HDFC Bank Diners Club 10X on Partner brands
For the 10X rewards via partner brands, there is nothing that is new in the list of partners just revealed:
This list would be valid through March 2019. For Treebo, only online transactions will get 10X points, not pay at hotel. Uber transactions done abroad would also count for 10X Rewards. The new changes to the T&C are perhaps towards the people gaming the system. Purchase of gold and Gift Vouchers on TataCLiQ is not eligible for 10X offer. Also, now, only package bookings are eligible for 10X on SOTC and flight or hotel bookings alone aren’t eligible.
Just as a recap, you earn the following points on your cards with the various variants on the merchants mentioned above:
- Rewardz: 3 points/INR 150 + 27 points/INR 150 bonus [Total 30 points/INR 150]. Monetary Value is INR 9 [6% cashback]
- Premium/Club Miles: 4 points/INR 150 + 36 points/INR 150 bonus [Total 40 points/INR 150]. Monetary Value is INR 20 [13% cashback]
- Black: 5 points/INR 150 + 45 points/INR 150 bonus [Total 50 points/INR 150]. Monetary Value of INR 50 [33% cashback]
- Here is the cap installed on the number of points you can earn per statement cycle this year for using partner brands.
- Rewardz: 2,000 points
- Premium/Club Miles: 5,000 points
- Black: 25,000 points
- Everyone can earn up to 25,000 Reward points for using the Smartbuy portal.
The 10x points are not applicable to the HDFC Bank JetPrivilege co-branded Diners card. There is no extension on the 10X for International Spend at the moment.
What do you think of these changes to the HDFC Bank Diners Club 10X program?
[HT to Kumar MS]