HDFC SmartBuy 10X credit card

HDFC SmartBuy 10X

HDFC Bank · Visa

HDFC SmartBuy 10X card offers 10X points on SmartBuy platform and partnered merchants.

Annual Fee

Free

Joining Fee

Free

Base Reward Rate

1X

₹0.25/pt

Min CIBIL

650

₹2L+ income

Key Features

10X CashPoints on purchases made via HDFC SmartBuy portal
Access to exclusive deals on flights, hotels, electronics and gift vouchers via SmartBuy
5X CashPoints on travel and shopping via SmartBuy merchants
1X CashPoints on all other spends
CashPoints redeemable for flights, hotels, vouchers or statement credit
Fuel surcharge waiver at HPCL petrol pumps
Zero liability on lost or stolen card
Complimentary accidental death insurance cover

Welcome Benefits

✓

Bonus CashPoints on First SmartBuy Purchase

Earn enhanced CashPoints on your first purchase through the HDFC SmartBuy portal within 90 days of card activation

✓

SmartBuy Access from Day One

Immediate access to HDFC SmartBuy portal with exclusive deals on Amazon, Flipkart, Cleartrip, BookMyShow and 50+ partners

Reward Rates by Category

Dining

2X

Travel

2X

Online

10X

Shopping

1X

Grocery

1X

Fuel

1X

Utilities

1X

Other

1X

Partner Earn Rates

PartnerCategoryEarn Rate
HDFC SmartBuy PortalAll Categories via SmartBuy10X
Amazon (via SmartBuy)Online Shopping10X
Cleartrip (via SmartBuy)Travel10X

Milestone Benefits

₹1.0 L

Annual Fee Waiver

Spend ₹1 lakh or more via HDFC SmartBuy portal and regular spends to qualify for annual fee waiver

Annual

Airport Lounge Access

Domestic

4 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death insurance for the primary cardholder

₹50 Lakhs

Credit Shield

Outstanding credit card dues covered in case of accidental death

Outstanding balance

Pros

  • 10X points on SmartBuy & partners
  • Zero annual fee
  • 4 domestic lounge visits/year

Cons

  • Low base reward rate
  • Points only valuable on HDFC platform
  • Limited benefits outside SmartBuy

Redemption Options

SmartBuy vouchers

Standard₹0.25/pt

Frequently Asked Questions

What is HDFC SmartBuy and how do I earn 10X?+
HDFC SmartBuy is HDFC Bank's online rewards portal at smartbuy.hdfcbank.com. Shop through it for Amazon, Flipkart, flights, hotels and more to earn 10X CashPoints instead of 1X.
What merchants are available on SmartBuy?+
Amazon, Flipkart, Myntra, Cleartrip, MakeMyTrip, BookMyShow, hotel chains, electronics brands and 50+ partners offer exclusive deals and 10X points via SmartBuy.
How do I redeem CashPoints?+
CashPoints are redeemable for flights and hotels via SmartBuy, gift vouchers, or as statement credit (1 pt = ₹0.30) via HDFC NetBanking.
Is this card only useful for SmartBuy?+
The maximum value is via SmartBuy (10X), but you also earn 1X on all other everyday spends — making it a decent everyday card with a high-value upside on SmartBuy purchases.
Is there an annual fee?+
Annual fee applies. Waived on meeting the minimum annual spend threshold. Check HDFC Bank's current terms for the applicable waiver amount.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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HDFC SmartBuy 10X

Free · 1X rewards