# Reward structure of HDFC Diners Club Privilege Credit Card

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Digitalguy

Please do let me know your thoughts on reward structure of HDFC Diners Club Privilege Credit Card.

How much reward points will get if bill payment done though smartbuy?

 Reward Structure - HDFC Diners Club Privilege Credit CardNote : The Smartbuy reward points will be posted within 90 working days (roughly 4 Months) from the last date of the transaction month. Purchase Value Points Points(Round down) Total Points Value of Points if redeemed in GV Value of Points if redeemed in GV(Value in %) Value of Points if redeemed in cash Value of Points if redeemed in cash(Value in %) 150 4.00 4 4 1.4 0.93 0.8 0.53 1000 6.67 6 24 8.4 0.84 4.8 0.48 2000 13.33 13 52 18.2 0.91 10.4 0.52 3000 20.00 20 80 28 0.93 16 0.53 5000 33.33 33 132 46.2 0.92 26.4 0.53 10000 66.67 66 264 92.4 0.92 52.8 0.53 20000 133.33 133 532 186.2 0.93 106.4 0.53 Purchase Value - Smartbuy 5X Points - Smartbuy Points (Round down) - Smartbuy Total Points Value of Points if redeemed in GV - Smartbuy Value of Points if redeemed in GV - Smartbuy(Value in %) Value of Points if redeemed in cash - Smartbuy Value of Points if redeemed in cash - Smartbuy(Value in %) 150 20.00 20 20 7 4.67 0.8 0.53 1000 30.00 30 120 42 4.20 24 2.40 2000 65.00 65 260 91 4.55 52 2.60 3000 100.00 100 400 140 4.67 80 2.67 5000 165.00 165 660 231 4.62 132 2.64 10000 330.00 330 1320 462 4.62 264 2.64 20000 665.00 665 2660 931 4.66 532 2.66
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For smart buy purchases you get 5x points. That means your base rate 4 points + 16 points (4*4) = 20 points for every ₹150 spent on smartbuy portal.

The value of those points Depends on how you use your points.

If I misunderstood that you meant to ask, please clarify again.

PS: Bill payments can be done through Payzapp or via Amazon gift vouchers from smartbuy for maximum benefit

Alex15 wrote:

For smart buy purchases you get 5x points. That means your base rate 4 points + 16 points (4*4) = 20 points for every ₹150 spent on smartbuy portal.

The value of those points Depends on how you use your points.

If I misunderstood that you meant to ask, please clarify again.

PS: Bill payments can be done through Payzapp or via Amazon gift vouchers from smartbuy for maximum benefit

Here I have not considered the redemption of Rewards points for booking flight tickets / hotels, or AirMiles.
Do we get 5X Reward points for Utility Bill Payments on payzapp?
Utility Bill Payments
- Electricity, Gas, Insurance, Fees, Rent, Muncipal taxes

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Digitalguy wrote:

Here I have not considered the redemption of Rewards points for booking flight tickets / hotels, or AirMiles.
Do we get 5X Reward points for Utility Bill Payments on payzapp?
Utility Bill Payments
- Electricity, Gas, Insurance, Fees, Rent, Muncipal taxes

I have to admit i lack clarity on these benefits for payzapp. Maybe someone who uses it regularly can chime in.

Generally, using GV to pay your bills definitely gets rewards but can't directly use Amazon pay to pay rent.

Besides this there are card specific limits on rewards on rent payment by HDFC Bank (for ex. 2000 reward points for DCB and Infinia). Better to check on that as well. For other utility payments, no such bar as per my understanding.
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Alex15 wrote:
I have to admit i lack clarity on these benefits for payzapp. Maybe someone who uses it regularly can chime in.

Generally, using GV to pay your bills definitely gets rewards but can't directly use Amazon pay to pay rent.

Besides this there are card specific limits on rewards on rent payment by HDFC Bank (for ex. 2000 reward points for DCB and Infinia). Better to check on that as well. For other utility payments, no such bar as per my understanding.
Thank you for shedding light on this.

Alex15 wrote:

For smart buy purchases you get 5x points. That means your base rate 4 points + 16 points (4*4) = 20 points for every ₹150 spent on smartbuy portal.

The value of those points Depends on how you use your points.

If I misunderstood that you meant to ask, please clarify again.

PS: Bill payments can be done through Payzapp or via Amazon gift vouchers from smartbuy for maximum benefit

But there is limition Maximum 10000 rupee gift card can purches per month