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HDFC SmartBuy January 2020 Update: 10X Rewards on OYO Rooms

Pranav Pranav Follow Jan 22, 2020 · 4 mins read · 0 comments
HDFC SmartBuy January 2020 Update: 10X Rewards on OYO Rooms

HDFC Bank, in a pleasant surprise, has enabled the OYO Rooms on SmartBuy portal today. The older option to book hotels on SmartBuy portal is powered by Cleartrip and it indeed lists the OYO hotels. But this option also includes all other hotels too. With this new addition, budget conscious travelers can exclusively search among OYO hotels without getting distracted by other options.

HDFC Bank has also extended the SmartBuy 10X program till end of this month. Hence HDFC Bank Credit Card holders can now enjoy 10X rewards on OYO too. Let’s look in to the benefits and different partners of 10X Program in detail.

Smartbuy 10X Program

The validity of Smartbuy 10X program has been further extended till 31 January 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, Flights, Hotels, Buses, Trains, Gift Vouchers, OYO Rooms and Compare & Shop on Smartbuy
  • Period: 1 January 2020 to 31 January 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 31 January 2020.

  • Offer: 10X reward points on HDFC Diners Club Credit Cards for purchases made on 10X partners
  • Period: 1 January 2020 to 31 January 2020
  • Partners: Myntra, Swiggy, BookMyShow, Zoomcar, Godrej Nature’s Basket, Ola & FirstCry
  • Maximum Reward Points:
    • Diners Rewardz: 2,000
    • Diners Clubmiles/Premium: 5,000
    • Diners Privilege: 10,000
    • 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


Addition of OYO Rooms on SmartBuy portal is a welcome move by HDFC Bank. In October 2019 only, they have enabled Gyfter on SmartBuy platform. This clearly shows that HDFC Bank is quite serious about SmartBuy program and I speculate that many more brands would be added under soon.

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
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

33% reward rate on HDFC Bank Infinia and Diners Club Black credit card is insane and undoubtedly one of the best in the world. Hence keep reaping the benefits of 10X Program till it’s active.


  • HDFC Bank has disabled OYO Rooms from the SmartBuy portal as on 24 January 2020.
  • HDFC Bank has re-enabled OYO Rooms on the SmartBuy portal on 24 February 2020.

What do you think of addition of OYO Rooms to SmartBuy portal? Which other partners would you like to see on SmartBuy platform? Let me know in comments 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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