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HDFC Bank 10X Rewards Program: February 2020 Update

Pranav Pranav Follow Feb 01, 2020 · 4 mins read · 0 comments
HDFC Bank 10X Rewards Program: February 2020 Update

HDFC Bank has renewed the SmartBuy 10X program and Diners 10X program for another month. Though this is great news, there have been some subtle changes to this program too. HDFC Bank has removed Swiggy, BookMyShow and Godrej Nature’s Basket from Diners 10X program. However Myntra, Ola, First Cry and Zoomcar have been retained for the Diners 10X program. Let’s look into the detail to know more.

Smartbuy 10X Program

The validity of the Smartbuy 10X program has been further extended till 29 February 2020 31 March 2020 30 April 2020 31 May 2020.

  • Offer
    • 10X Reward Points on HDFC Bank Infinia, Diners Club and Regalia credit cards
    • 5% cash back on other HDFC Credit and Debit cards up to maximum of Rs. 1,000 per calendar month
    • This covers Flipkart, Amazon, OYO, Flights, Hotels, Buses, Trains, Gift Vouchers and Compare & Shop on Smartbuy
  • Period: 1 February 2020 to 29 February 2020 31 March 2020 30 April 2020 31 May 2020
  • Maximum Cap:
    • HDFC Infinia: 25,000 reward points
    • HDFC Diners Club Black: 15,000 reward points
    • Other HDFC Diners Club variant and HDFC Regalia Credit Card: 5,000 reward points
    • Rs. 1,000/- cash back on other HDFC Credit and Debit Cards
  • Maximum Capping Reset: Every calendar month
  • Fulfillment: Reward Points or cash back will be posted within 90 working days from the last date of transaction month
  • Only PayZapp KYC registered customers are eligible for cashback
  • Source: Website

Diners 10X Rewards

Diners 10X Rewards program has been renewed till 29 February 2020 31 March 2020.

Diners 10X Rewards Partners
  • Offer: 10X reward points on HDFC Diners Club Credit Cards for purchases made on 10X partners
  • Period: 1 February 2020 to 29 February 2020 31 March 2020
  • Partners: Myntra, Ola, First Cry & Zoomcar
  • Maximum Reward Points:
    • Diners Rewardz: 2,000
    • Diners Clubmiles/Premium: 5,000
    • Diners Privilege: 10,000 5,000
    • Diners Black: 25,000
  • Maximum Reward Points Capping Reset: Every calendar month
  • Minimum Transaction: Rs. 150
  • Exclusions: EMI transactions are not eligible for this offer.
  • Fulfillment: Incremental 9X Rewards will be posted within 30 days from the date of settlement of the transaction
  • Source: Website


Removal of Swiggy, BookMyShow and Godrej Nature’s Basket from Diners 10X Program is a huge blow. With continuous removal of partner brands, it’s becoming really hard to extract benefits from this program. Given that HDFC Bank has introduced milestone benefits on Diners Club Credit Cards recently, I anticipate that Diners 10X program has only few days left before HDFC Bank kills it.

Extension of SmartBuy 10X program is a welcome move. HDFC Bank has been enabling new merchants (Gyftr, IRCTC, Oyo) on SmartBuy portal steadily and I feel this program will continue for some more time.

Below table summarizes the reward rate of some popular HDFC Bank credit cards with 10X Program.

Credit Card SmartBuy 10X Diners 10X
Reward Rate Max. RP* Reward Rate Max. RP*
HDFC Bank Diners Club Black Credit Card 33% 15,000 33% 25,000
HDFC Bank Infinia Credit Card 33% 25,000 N/A N/A
HDFC Bank Diners Club Privilege Credit Card 13% 5,000 13% 10,000 5,000
HDFC Bank Diners Club ClubMiles/Premium Credit Card 13% 5,000 13% 5,000
HDFC Bank Regalia Credit Card 13% 5,000 N/A N/A
HDFC Bank Regalia First Credit Card 8% 5,000 N/A N/A

*Maximum reward points per calendar month

It’s evident from the table above that HDFC Bank 10X Rewards Program is one of most rewarding programs at present. 33% reward rate is just insane and you shouldn’t miss even a single chance to utilize this program.

PS: HDFC Bank has not renewed the Diners 10X Program after 31 March 2020.

What do you think about the removal of Swiggy, BookMyShow and Godrej Nature’s Basket from Diners 10X program? How are you planning to extract maximum benefit from this program now? Let me know by leaving a quick comment below.

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Written by Pranav Follow
Hi, I am Pranav! I love to acquire, review and earn reward points/cashback from Credit Cards. Guiding people about benefits and optimal utilization of credit cards for years.
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