HDFC SmartBuy Cashback Discrepancy

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I recently started transacting on HDFC SmartBuy and I find that HDFC Bank has been crediting wrong cashback amount for straight 2 months now.

In February, I transacted via HDFC SmartBuy 4 times, 3 on Amazon and 1 on Gyftr instant voucher.

From 22-24 February, 2021 … SmartBuy Extra Savings Day Sale was on wherein Amazon transaction were eligible for 10% cashback (over and above regular 5% cashback).

When I got the cashback in my CC statement, I could see that they’ve provided 5% cashback for all the Amazon transactions where 2 of my Amazon transactions were done in SmartBuy Extra Savings Day Sale.

For this, I’ve been following up with HDFC support over email and they have asked for every detail I could furnish and in the end I get to hear that I’ve got the correct cashback.

Does this happen with others too, if yes, please share your experience too. Also, if there’s a better way, which is phone call ofcourse, can you share the way to getting them to call me over phone. I swear if they do, I will go nuts because this is insane, following up on email with a turnaround time of more than 7 days and getting a lame reply from such a reputed bank.

Amazon is the best in terms of customer support. You find people with brains sitting behind the system when you connect with them. In case of HDFC Bank, I feel like banging my head onto the wall, very poor support team.

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For hdfc whatever cash back you get
You keep it and move on

No point contacting CC

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dude, clearly mentioned u may have to wait for 90 days.
Extra cash back is given in 90 working days.
For dec 23-25 offer, it is credited after 7th Apr

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nomag wrote:

dude, clearly mentioned u may have to wait for 90 days.
Extra cash back is given in 90 working days.
For dec 23-25 offer, it is credited after 7th Apr

You sure? I didn’t see anything as such written in terms and conditions of the offer.

Although for the second month straight this has happened, it might be the case that remaining extra cashback may be provided later but clearly I didn’t see any specific mention in offer terms and conditions.

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sahil1033 wrote:

You sure? I didn’t see anything as such written in terms and conditions of the offer.

Although for the second month straight this has happened, it might be the case that remaining extra cashback may be provided later but clearly I didn’t see any specific mention in offer terms and conditions.

in that case, you are not reading carefully
https://offers.smartbuy.hdfcbank.com/offer_deta...

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nomag wrote:

in that case, you are not reading carefully
https://offers.smartbuy.hdfcbank.com/offer_deta...

Let me reiterate :

I did get cashback for SmartBuy transactions done for February 2021 in March 2021 … well within 90 days. That’s fine. My concern is that I got lesser cashback, for SmartBuy Extra Savings Day Sale, where I should be getting 10% cashback, I got only 5% cashback as standard SmartBuy cashback.

I did check terms and conditions of SmartBuy Extra Savings Day Sale and nothing with respect to cashback credit was mentioned.

Coming to your point probably, the extra 5% cashback during SmartBuy transaction in SmartBuy Extra Savings Day Sale may be credited later but but but, I didn’t see any terms and conditions specific to that … that’s what I said.

I was supposed to get Rs. 1,095.73 as cashback but got only Rs. 797.87. So, if the remaining cashback will be credited within 90 days of offer end date … let’s hope for same but there was no specific mention to be honest.

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sahil1033 wrote:

Let me reiterate :

I did get cashback for SmartBuy transactions done for February 2021 in March 2021 … well within 90 days. That’s fine. My concern is that I got lesser cashback, for SmartBuy Extra Savings Day Sale, where I should be getting 10% cashback, I got only 5% cashback as standard SmartBuy cashback.

I did check terms and conditions of SmartBuy Extra Savings Day Sale and nothing with respect to cashback credit was mentioned.

Coming to your point probably, the extra 5% cashback during SmartBuy transaction in SmartBuy Extra Savings Day Sale may be credited later but but but, I didn’t see any terms and conditions specific to that … that’s what I said.

I was supposed to get Rs. 1,095.73 as cashback but got only Rs. 797.87. So, if the remaining cashback will be credited within 90 days of offer end date … let’s hope for same but there was no specific mention to be honest.

must have calculated wrongly. either u or hdfc toungueout
5% is credited now and 5% will be credited later

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Happens with me all the time. I get cashback first time as “Smartbuy Nov 20” and after a month or so another cashback as “MP01 Smartbuy Nov 20”.

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nomag wrote:

must have calculated wrongly. either u or hdfc toungueout
5% is credited now and 5% will be credited later

Haha, nahi bhai … calculation is right

Probably extra 5% cashback as part of another offer maybe credited later.

But the thing is, when I clearly stated them all the information, they should have told me about it that I will be getting the extra cashback amount later, within 90 days of offer end date. Very stupid customer support from HDFC Bank. confused

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tvirus wrote:

Happens with me all the time. I get cashback first time as “Smartbuy Nov 20” and after a month or so another cashback as “MP01 Smartbuy Nov 20”.

Counting on this, probably this is the explanation I was looking for and also justifies what happened with me.

Let’s see, will have to wait for a long time to confirm this.

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sahil1033 wrote:

Counting on this, probably this is the explanation I was looking for and also justifies what happened with me.

Let’s see, will have to wait for a long time to confirm this.

brother…from Jan month i’m also not getting the correct amount of cashback but yesterday they credited some amount of December transaction so according to this they are surely giving cashback but taking time… keep in mind something is better than nothing rule apply kro that’s it in Jan month bill i got some cashback of October month so they giving cashback but according to their mood (LOL laughing )
yesterday i got this cashback
https://www.desidime.com/discussions/hdfc-smart...

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adi22raj wrote:

brother…from Jan month i’m also not getting the correct amount of cashback but yesterday they credited some amount of December transaction so according to this they are surely giving cashback but taking time… keep in mind something is better than nothing rule apply kro that’s it in Jan month bill i got some cashback of October month so they giving cashback but according to their mood (LOL laughing )
yesterday i got this cashback
https://www.desidime.com/discussions/hdfc-smart...

Thanks for this, makes much more sense now.

HDFC Bank is like, do the transaction and leave cashbacks on luck. The most satisfying form is instant discount, no drama, no waiting, no keeping records of your transaction, plain and clear. Even Amazon Pay cashbacks are a bliss … HDFC Bank is too much pain in this area I swear.

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sahil1033 wrote:

Thanks for this, makes much more sense now.

HDFC Bank is like, do the transaction and leave cashbacks on luck. The most satisfying form is instant discount, no drama, no waiting, no keeping records of your transaction, plain and clear. Even Amazon Pay cashbacks are a bliss … HDFC Bank is too much pain in this area I swear.

Yes thats why I said move on its not worth the time to fight with the dumb people at CC
Most of the time they will ask for offer screenshot as if some 3rd party is giving the offer laughing

Good thing is most of the time the cashback usually comes , unlike some banks like Axis Liberty Dc or ICICI NB offers ,which are never honored

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sahil1033 wrote:

Thanks for this, makes much more sense now.

HDFC Bank is like, do the transaction and leave cashbacks on luck. The most satisfying form is instant discount, no drama, no waiting, no keeping records of your transaction, plain and clear. Even Amazon Pay cashbacks are a bliss … HDFC Bank is too much pain in this area I swear.

i just want to say bro always do transaction from smartbuy and surely u will get some cashback i told u something is better than waala rule lagao aur do transaction from smartbuy that’s it…

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Cool, will update once I get the said extra cashback.

Hoping for the best. stuck_out_tongue

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Same happened with me. For march 21 transaction i got only 5% cb instead of 10%.

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