SmartBuy Extra Saving Days Amazon/ Flipkart Instant Vouchers 10% Cashback / 10X Rewards Points

Flights & Hotel Categories: – Manual Application of Code to be mentioned + Code to be shared which has to be applied. This code you should mention above where you have mentioned offer ALSO.

1. Go to HDFC Bank SmartBuy page Flights / Hotel Section
2. Select your flights / hotel.  Compare Prices and select across merchant. Enter details & Proceed to Payment
3. Each user can utilize travel offer benefits during the sale period only upto the maximum cap / limits applicable for the respective card variant for each month.
4. Use HDFC bank Credit Card / Debit Card to avail the offer
5. Offer not applicable on Hotels via HDFC Mobile Banking App & PayZapp
6. Offer not applicable on select Hotels. Please refer to the end of Terms and Conditions to find the list of excluded hotels
7. The Cashback will be posted within 90 working days from the last date of transaction month on best effort basis (i.e) by 7th Feb’22

Bus / Rail Categories: Manual Application of Code to be mentioned + Code to be shared which has to be applied. This code you should mention above where you have mentioned offer ALSO.

1. Go to HDFC Bank SmartBuy page Bus / Rail Section.
2. Select your Bus / Train. Enter details & Proceed to Payment.
3. Use HDFC bank Credit Card / Debit Card to avail the offer

Instant Vouchers:

1. Go to HDFC Bank SmartBuy page and select Instant Vouchers section.
2. Sign-in / Sign-up (Same registration of SmartBuy cannot be used. A new registration is required).
3. Select your brand, denominations and quantity and add them to your cart to maximise your savings.
4. On the Cart Page, click on “Buy Now”.
5. A savings pop-up will show you your total savings. Click on “Proceed”.
6. You will be redirected to Payment Gateway Page. Use your HDFC Bank Credit / Debit Card / PayZapp to make the payment.
7. That’s it! The Gift Vouchers will be sent to you instantly.
8. In case a Promo Code is used by the customer and the transaction failed, the customer can again avail the offer after 15 minutes (in case Offer is not availed already).
9. In case of any queries or clarifications, kindly write to [email protected] or reach out at 18001033313.
10. Cashback will be auto credited to PayZapp Prepaid Card within 90 working days from the last date of transaction month on best effort basis (i.e) by 7th Feb’22.
11. Please refer Annexure 1 for list Brands and the Offer available on Instant Vouchers for 28th to 30th Oct’21 SmartBuy Extra Savings Days Sale.
12. Please refer Annexure 2 for PayZapp Cashback Offer.

General Terms & Conditions:

1. All the Gift Vouchers are valid for a minimum of 3 months depending upon the Brand. The exact expiry date of the Gift Vouchers will be mentioned on the Voucher E-Mail and SMS.

2. Kindly use your Gift Voucher within the due date. Gift Vouchers once expired cannot be revalidated.

3. All the respective T&Cs of the brands apply. Please visit the “TERMS & CONDITIONS” on each brand page for detailed Brand T&Cs.

4. We wish that the program adds delight to all the customer’s experience with HDFC Bank SmartBuy.

5. For any help regarding your Instant Voucher, please reach out to us:

   • Call us at 1800-1033-313

   • Share your queries at www.gyftr.com/hdfcSmartBuy/cont...us

6. SmartBuy Instant Vouchers allows only one card with one mobile number, refraining to which the customer’s card will be restricted for usage by the Payment Gateway on SmartBuy Instant Vouchers website. The restriction will be lifted only after the customer submits a valid Government Id Proof.

7. A customer (a combination of mobile number and card number) can buy a maximum of Rs. 10000 worth of Amazon Pay Gift Cards in a calendar month.

8. A customer (a combination of mobile number and card number) can buy a maximum of Rs. 10000 worth of Flipkart Gift Cards in a calendar month.

Promo Code usage and T&Cs:

1. Sign-in / Sign-up to SmartBuy Instant Vouchers (www.gyftr.com/hdfcSmartBuy) using your Mobile Number and E-Mail Id (same registration of SmartBuy cannot be used. A new registration is required).

2. Select your brand and denomination.

3. That’s it! Pay the Cart amount (if any) using other payment methods on Payment Gateway.

4. For any help regarding your Promo Code, please reach out to us:

   • Call us at 1800-1033-313

   • Share your queries at www.gyftr.com/hdfcSmartBuy/contact-us

No Cost EMI Terms & Conditions:

1. No Cost EMI is only applicable on select brands and denominations.

2. The Bank will continue to charge the interest on the No Cost EMI plans as per the existing rates.

3. However, the interest to be charged by the Bank will be passed on to you as an upfront discount.

4. A Convenience or Processing fee of INR 199 + GST will be charged for all cards EMI transaction by HDFC Bank.

5. The Voucher purchased using the No Cost EMI payment method will not be blocked / cancelled.

Amazon & Flipkart Exclusive Store

1. Go to HDFC Bank SmartBuy and select Amazon / Flipkart Tab

2. Enter Mobile number & Last 4 digit card number with which you would want to make the payment

3. Search for your product and add to the cart. Products which are already placed in the cart (even before visiting SmartBuy) will not be considered

4. Use HDFC bank Credit Card / Debit Card to avail the offer

5. Offer as below: 

1. You shall receive double the reward points / cashback for transactions done during SmartBuy Extra Savings Days Oct’21 (28^th to 30^th Oct`21) basis the card variant eligibility as mentioned in Offer details.

2. The monthly offer on Amazon of 5X Reward points or 5% Cashback and Flipkart offer of 3X Rewards points or 1% Cashback is inclusive in Slab 1 offer of Amazon & Flipkart. E.g. If the customer has already shopped before the SmartBuy Sale period and has availed the monthly offer of Rewards points or Cashback on Amazon or Flipkart, the same will be included while computing the max cap mentioned for Slab 1.

3. The eligible Cashback for Debit card transactions will be posted as Cashback points on best effort basis  (i.e) by 7th Feb 2022. Visit Netbanking to redeem these on card account.

Detailed Terms & Conditions:

Offer is valid on Successful Transactions completed on SmartBuy under categories Flights, Hotels, Bus, Rail, Instant Vouchers, Flipkart Store in SmartBuy, Amazon Store on SmartBuy.

This Offer is not valid on offers given by individual merchants under offers section and on Compare & Shop.

Transaction Eligibility

• Applicable for Full payment across all categories (on flights / Hotels / Bus / Rail/ Instant Vouchers / Flipkart store/ Amazon store)

• Also applicable on Credit card Easy EMI Transactions (on flights / Hotels / Bus/ Instant Vouchers/Flipkart/ Amazon store only)

• Also applicable on Debit Card Easy EMI transactions (on flights / Hotels / Bus / Flipkart store only) (Eligible only select customers and for a Min Transaction of Rs.5000) The instant discount will be computed on the booking value subject to max cap condition

• Offer not applicable on EMI transactions on Compare & Shop only

• Offer not applicable on Debit Card Easy EMI transactions on Amazon

• Offer is not applicable for failed or refund transactions

  • Offer is not applicable on Amazon and Flipkart on following categories

  • Flight Bookings, Prepaid / Gift Cards, Bill Payments & Recharges

  • Purchase of Video Gaming Consoles & Hardware

  • Prime membership

  • Amazon Fresh orders

  • Amazon Pay Balance

  • Jewellery / Gold coins or its equivalent’

Other Terms & Conditions

• Accelerated reward points and cashback earn benefits applicable during 28th to 30th Oct’21 will be calculated on actual spends done using HDFC bank payment instruments (Sale benefit not applicable on reward points redeemed.)

• The above offers are the only offers applicable during the duration of the campaign. It cannot be clubbed with any other offer not mentioned in this campaigns terms and conditions.

• Each user can utilize travel offer benefits during the Sale period only upto the maximum cap / limits applicable for the respective card variant for each month.

• Cashback will be calculated based on card swipe / EMI principal value.

• The offer on Instant Voucher category is over & above our monthly offers

• The monthly offer on Amazon of 5X Reward points or 5% Cashback and Flipkart offer of 3X Rewards points or 1% Cashback is inclusive in Slab 1 offer of Amazon & Flipkart. E.g. If the customer has already shopped before the SmartBuy Sale period and has availed the monthly offer of Rewards points or Cashback on Amazon or Flipkart, the same will be included while computing the max cap mentioned for Slab 1.

• Instant voucher Promo code applicable once per user during the Sale period

• This offer is not applicable to the purchase of jewellery/gold coins or its equivalents; or purchase of prepaid cards/gift cards or its equivalents; or purchase of flight bookings done on Flipkart / Amazon store

• HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this offer or not, or to extend or withdraw it altogether.

• No two programs can be combined or benefits of two programs are combined at any point in time, for transactions done on the SmartBuy website or pages thereof, associated with the program.

• HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary and the offer is being made purely on a “best effort” basis.

• Card Holder/s whose account has been classified as delinquent before or during the currency of the Program, or when the gift is to be collected, will not be eligible for the benefits of the Program.

• Offer is valid only if HDFC Bank Credit/ Debit card is used to complete payment. Wallet load using HDFC card or Cash on Delivery options are not eligible under this offer.

• Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and Card Account Fees will not be considered for this offer.

• This offer is non-encashable, not extendable and non-negotiable.

• If a card member has more than 1 (one) HDFC Bank Credit Card, spends on the cards cannot be clubbed by the card member in order to qualify for the said offer.

• This offer is valid for Indian residents and citizens only.

• Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar or other offers.

• Above offers are by way of a special offer for select HDFC Bank Credit Card and Debit Card members only and nothing contained herein shall prejudice or affect the terms and conditions of the Card member agreement. The terms of the above offers shall be in addition to and not in derogation of the terms contained in the Card members Agreement.

• All disputes, if any, arising out of or in connection with or as a result of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Chennai only, irrespective of whether courts/tribunals in other areas have concurrent or similar jurisdiction.

• All decisions by HDFC Bank regarding the selection of winners shall be final and binding. No correspondence will be entertained in this connection.

• Customers using one device, one mobile number is considered as a unique user.

• All valid spends transactions will be eligible for the offer. HDFC Bank will not be responsible for invalid transactions.

• To be eligible for the offer, Cardholder is required to satisfy the condition mentioned in the offer post receipt of the communication.

• Nothing herein amounts as a commitment by HDFC Bank to conduct further, similar or other schemes/offers.

• HDFC Bank reserves the right to extend this offer to selected HDFC Bank Debit Cardholders only.

• HDFC Bank is not responsible for, or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses that a Cardholder may suffer, sustain or incur due to the offer.

• HDFC Bank shall not be liable for any loss or damage whatsoever or for any personal injury that may be suffered, by an HDFC Bank Debit Card member, directly or indirectly, by use or non-use of products/services availed of under this offer

• In the event of any inconsistency between these terms and conditions and any brochures, marketing or promotional materials relating to the promotion, these terms and conditions shall prevail.

• HDFC Bank is not liable for any delay, non-delivery or shortfall or deficiency or unsatisfactory service/product provided by any participating parties/sponsors.

• Pictures in the communication are representative and the actual product may differ.

• This offer is non-transferable to any other person.

• Any Government levies/taxes like Sales Tax, TDS, gift tax, road tax, any Local Tax, etc. arising out of the same will be borne by the HDFC Bank Debit card customer.

• In case of any dispute on offer from other sources – only the offer construct & terms and conditions mentioned here will stand final.

• The offer is not applicable on the following Hotels: https://offers.smartbuy.hdfcbank.com/DND_Hotels-New_Exclusion_List.xlsx

Annexure 1

List of Instant Voucher Brands and the Offer applicable for 28th to 30th Oct’21

Annexure 2

       PayZapp CashBack Offer on GYFTR Instant Vouchers Terms & Conditions

Period: 28th to 30th Oct’21

No Promocode

1. Offer period: 28th to 30th Oct’21

2. Payment should be done on PayZapp’s Android & iOS App payment page only

3. Customer should ensure he/she is registered on PayZapp to become eligible for cashback

4. For customers whose monthly/yearly PPI limit of wallet is breached cashback will not be posted.

5. Cashback offer is available only for transactions done through either PayZapp linked (VISA/ MasterCard/ Rupay) Debit & Credit Cards or through PayZapp Prepaid Card.

6. CashBack will be auto-credited to PayZapp Prepaid Card within 90 working days from the last date of transaction month on best effort basis (i.e) by 7th Feb’22

7. In case of any refund/ return then CashBack offer will not be eligible.

8. In case the transaction is cancelled at merchant’s end (not PayZapp), a refund will be initiated immediately

9. In case of returns, refund is initiated post the quality check happens after the product is picked up & accepted

10. Offer is applicable only for the PayZapp KYC registered customers

11. Offer is applicable both for a Registered Minimum KYC (Rs10 k) * and Full KYC (Rs 1 Lac) * PayZapp Prepaid Card customers

12. Minimum KYC means- “It is a wallet that is issued to a user after obtaining minimum details that includes- mobile verification with One Time Pin (OTP), Self-declaration of name, Unique identification number of any of the officially valid document (i.e. PAN). The amount loaded during any month shall not exceed Rs 10,000/- with a max. of Rs 1,00,000/- in a year. The amount outstanding at any point of time shall not exceed Rs 10,000/-. Wallet shall be used only for purchase of goods and services. Fund transfer from wallet to bank accounts and to other wallets shall not be permitted”.

13. Full KYC means- “It is a wallet that can hold a maximum of Rs 1,00,000/- at any given point in time. It is issued only when a user successfully completes KYC process in PayZapp.”

KYC for PayZapp users who are also HDFC customer is done basis your existing relationship with HDFC Bank.

14. Customer must be KYC verified user’s throughout the offer period i.e. customer has to be KYC registered user’s during the time of transaction as well as during the time of CashBack posting.

15. Cashback will not be posted for customers with blocked PayZapp Prepaid Card.

16. Customers who are not KYC verified and not having an active PayZapp Prepaid Card, will not be eligible to receive CashBack.

17. Customer must login with their PayZapp registered mobile number to become eligible for CashBack.

18. Customer not logging with their PayZapp registered mobile number will not be eligible for CashBack

19. Customers doing a “Guest Checkout” are not eligible for CashBack

20. For CashBack queries please write to [email protected]

21. HDFC Bank reserves the right at any time, without prior notice to add, alter, modify, change or vary all or any of these Terms and Conditions or to replace wholly or in part, the above offer by another offer whether similar to above or not, or to withdraw it altogether.

22. All products or services return would be entertained only as per the company’s prevailing product return policy.

23. PayZapp shall not be liable for any service & product related issue.

24. In case of dispute, PayZapp reserves the right to a final decision on the interpretation of these Terms & conditions

Cashback- Additional Terms & Conditions

1. Definitions:

“Cashback Misuse shall mean all such events or series of events or circular events where a Customer tries to abuse or misuse or game the system to gain Cashback or any other rewards or benefits, without actually completing (including subsequent reversals) the Transactions or purchases or part of them, or by misusing loopholes or available offers to gain excessive Cashback without the real intentions of completing the Transactions. E.g. (i) transactions or series of transactions done for Cashback and reversal or cancellation of such Transactions e.g. where goods or services are returned once the Cashback is received (ii) circular transactions.

“Cashback-Non-Eligible Accounts” shall mean the PayZapp PPIs, whether Full KYC PPI or Minimum KYC PPI, which as per the Bank’s discretion will be not eligible for Cashback Offers or for receiving the Cashback. Even if it’s not indicated on the Merchant platform, such Customers will not get the Cashback.

2. If a transaction has been made through PayZapp, then these terms and conditions shall be applicable even if the same were not specifically highlighted or a link to the same was not displayed on the merchant webpage/app. To the extent of any conflict between the terms and conditions displayed on the merchant website/app and this document, the terms of this document shall prevail.

3. PayZapp Customers who have not completed either the Minimum KYC Process or the Partial KYC process or the Full KYC Process shall not be eligible to receive any Cashback.

4. The maximum Cashback a Customer is entitled to on an aggregate basis from all the purchases or transactions or events, per month, is Rs. 2000/- (or such other amount at the discretion of Bank as may prescribe in this regard from time to time, subject to change given prior one-month notice in advance). This limit shall be calculated basis the PAN and in case there are more than one PayZapp PPIs linked to one PAN, then the single limit shall be applicable for all such PPIs taken together and each such PPI will not have a separate limit. 

5. The maximum Cashback limit a Customer is entitled to per Cashback Offer as per the Offer Specific Terms, shall be calculated basis the PAN and in case there are more than one PayZapp PPIs linked to one PAN, then the single limit shall be applicable for all such PPIs taken together and each such PPI will not have a separate limit.

6. A Customer shall be allowed Cashback for maximum of such number of Transactions per day as shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit.

7. A Customer shall be allowed Cashback for maximum of such number of Transactions per day per Merchant as shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit. For the purposes of determining the Merchant, the Bank may go by the Merchant name, MCC, TID, MID or Merchant PAN, or any or all of them. 

8. A Customer shall be allowed Cashback for maximum of such number of Transactions per month, shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit.

9. A Customer shall be allowed Cashback for maximum of such number of Transactions per month per Merchant as shall be prescribed in this regard by the Bank from time to time. This limit however shall be calculated per Mobile Device and in case of Transactions taking place from the same Mobile Device, whether for one or more Customers, the single limit shall be applicable for all such Customers taken together and each such Customer shall not have a separate limit. For the purposes of determining the Merchant, the Bank may go by the Merchant name, MCC, TID, MID or Merchant PAN, or any or all of them.

10. Cashback credited to the Customer can only be utilised by the Customer for purchase of goods or services and that too within the Validity Period. Further for each purchase, the PPI issuer may set up for use of Cashback, a maximum and/or minimum limit, in its discretion, and such limit shall be binding upon the Customer. Cashback cannot be transferred to any bank account or to other PayZapp PPI accounts or to a card or a PPI account of any other Issuer.

11. Any Cashback if not utilised within 12 months from the date it had been credited in the PayZapp PPI account of the Customer (or such other time period at the discretion of Bank as may prescribe in this regard from time to time, subject to change given prior one-month notice in advance) shall lapse and expire automatically and the Customer shall be solely and entirely responsible for monitoring this expiry period (“Validity Period”), and the Bank shall not be required to issue any advice or notice or notification before or after such lapse or expiry, to the Customer, whether through the PayZapp Application or by way of sms or email or any other method. The Cashback which lapses or expires as above, shall not be reinstated and the Customer shall not be able to use the same in any manner whatsoever. The Customer shall be fully liable for the same.

12. Bank may in its absolute and sole discretion, cancel the Cashback or reverse the Cashback already credited to the PayZapp account of the Customer, if the Bank believes that the underlying transaction(s) was done for Cashback Misuse or in an unauthorized or fraudulent manner or at any prohibited locations or in breach of the Terms and Conditions Document.

13. If it is discovered that a Customer has more than one PayZapp PPIs or that there are more than one PayZapp PPIs linked to the same PAN, then all the PayZapp PPIs of the Customer shall be classified as Cashback-Non-Eligible Accounts and the Cashback already credited, if any, by then, shall be reversed by the Bank in its sole discretion.

14. On one Mobile Device, the maximum PayZapp PPIs that are allowed to be registered are 3 (three). The fourth PayZapp PPI (in chronology) registered on any such Mobile Device, shall become a Cashback-Non-Eligible Account at the discretion of PayZapp.  

15. The Customer agrees and acknowledges that Bank may in its absolute sole discretion permanently disable the PayZapp account of the Customer without any notice to the Customer if Bank believes that the Customer has caused Cashback Misuse or entered into fraudulent transactions including but not limited to transactions that do not involve any actual sale or transfer of goods or services from merchant/vendor to the Customer. If the Customer’s PayZapp PPI account is disabled under this Clause, the Customer will not be permitted to register or use PayZapp services by using the same mobile number or PAN or same Mobile Device.

16. In case the Customer has already received Cashback, and if there is any refund from or on behalf of the Merchant on account of the underlying transaction having been declined, cancelled or terminated or partly or fully reversed or wrong goods dispatched or goods or services returned, or for any other reason, then the amount equivalent to Cashback shall be first payable to the Bank and the Bank shall be entitled to undertake any of the following steps at its discretion, without any notice to or permission from the Customer:

17. adjust and appropriate for itself (Bank) from the amount of refund, an amount equivalent to the Cashback amount already credited, and to credit to the PayZapp PPI account only the balance amount after such adjustment; 

18. debit the Cashback balance in the PayZapp PPI; and

19. debit the PayZapp PPI balance and appropriate (as and when the same becomes available).

17. In case the Bank decides to reverse any Cashback on account of a Cashback Misuse, then the amount equivalent to Cashback shall be first payable to the Bank and the Bank shall be entitled to undertake any of the following steps at its discretion, without any notice to or permission from the Customer:

1. debit the Cashback balance in the PayZapp PPI, if available;

2. if the Cashback balance is not available or insufficient, then debit the PayZapp PPI balance and appropriate (as and when the same becomes available); and

3. adjust and appropriate for itself (Bank) from the amount of refund, an amount equivalent to the Cashback amount already credited, and to credit to the PayZapp PPI account only the balance amount after such adjustment

18. Bank reserves the right to suspend, cancel or withdraw the Cashback Offer at any time in its absolute sole discretion without any notice to the Customer.

19. When for any PayZapp PPI, the Non-KYC Consequences or the Closure Consequences, become applicable, such PPIs shall also simultaneously automatically become the Cashback-Non-Eligible Accounts without any further act deed or writing.

Most Important Terms & Conditions

1. To avail cashback, customer either needs to have a Valid PAN no updated in PayZapp or should be a HDFC Bank Customer. No cashback to be given if valid PAN is not updated.

2. A customer can have maximum of 1 PayZapp registered mobile number linked to one PAN.

3. Customer will be eligible for cashback only on successful PayZapp transaction basis offer terms & condition.

4. For all cancelled transactions, refund transactions, partial refund transaction Cashback if given to the customer shall be debited from the PayZapp Prepaid card. In case of insufficient balance PayZapp Prepaid Card will go in negative balance.

5. For all PayZapp accounts not complying to any of the above terms & conditions bank reserves the right to block / downgrade the account to no KYC staus as deemed fit. Thus, the customer will not be able to utilize the balance available in PayZapp Prepaid card.

6. All disputes, if any, arising out of or in connection with or as a result of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction.

7. Any query regarding the program will be entertained till 60 days from offer fulfilment date. Post such date; the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.

8. Any TAT committed with respect to posting of CashBack for a promotional campaign is only indicative & may vary from the actual date of posting; the Bank shall not be liable for any such delay. However, the Bank shall review the customer’s query & if eligible, shall ensure fulfilment is completed at the earliest.

9. In case of delay in posting or non-posting of CashBack if applicable for a promotional campaign beyond the committed TAT, customer is requested to contact the Bank; the Bank shall review the same and have the Reward points/ CashBack posted if the customer is eligible as per offer T&C