HDFC SmartBuy, Please help me to be optimised

HDFC SmartBuy, Please help me to be optimised

76°
Missing
Deal Cadet
50
450
5

Which is most profitable to use in case of smartbuy?

  • HDFC Diners (I have Rewards)
  • HDFC Credit Card (Regalia or Others)
  • HDFC Debit card

I am feeling Debit card is the best as it can be converted to cash 1:1, though there’s a limit of 1000 per month.
I am not a frequent flyer and once Diners removed their recharge option Diners points are not that attractive to me.
Even for travel or movie tickets, there are lots of other offers on MMT/Yatra etc.. which will deprecate the value of Diners points.

One point that comes to mind.. Rs 1000 limit on Debit card per month. But in that scenario, I should use that first, before using credit card right?

Also can a single HDFC customer get separate Rewards for Debit card (1000) and separately for cc.

Do guide me if I’m missing any point

7 Comments  |  
4 Dimers
Missing
Deal Subedar
55
1070
26

Diners already removed…recharge in 2017 !..and do all debit cards get points ? And do points of all debit cards carry same value ?

Missing
Deal Cadet
50
450
5
raksrocks wrote:

Diners already removed…recharge in 2017 !..and do all debit cards get points ? And do points of all debit cards carry same value ?

I believe, On Platinum debit cards they do give 1:1, not sure about other cards.

Missing
Deal Subedar
55
1070
26
Expand
Seinfeld wrote:

I believe, On Platinum debit cards they do give 1:1, not sure about other cards.

Yes..HDFC Platinum debit card..giving me good cash back points (not sure for CRED usage)…which I’m redeeming on 1:1 basis to savings account.

YES FIRST world debit card ..is also giving good points ..which I’m able to use at 1:4 (0.25 rs value each point).

Missing
Deal Lieutenant
39
5352
158

have a doubt… can i do a partial payment via amazon gift card and pay the remaining via hdfc card and get 10% back on the amount paid on the card?

Missing
Deal Cadet
80
353
5
karthi4052752 wrote:

have a doubt… can i do a partial payment via amazon gift card and pay the remaining via hdfc card and get 10% back on the amount paid on the card?

No sure but I think yes you can get the cashback acc. payment amount made through DC. others may confirm..

Missing
Deal Cadet
80
353
5
Expand
Seinfeld wrote:

I believe, On Platinum debit cards they do give 1:1, not sure about other cards.

Platinum DC rewards max limit is 750, is not it?? and HDFC 10% cb (max : 1000/month) is different from this DC RP .

Missing
Deal Lieutenant
39
5352
158
Expand
Puchka wrote:

Platinum DC rewards max limit is 750, is not it?? and HDFC 10% cb (max : 1000/month) is different from this DC RP .

yeah, both are different… the points earned thru ur debit card and smartbuy will show in different category during redemption. all cards area eligible for 1k cashback per month

Missing