HDFC SmartBuy 10X
HDFC Bank · Visa
HDFC SmartBuy 10X card offers 10X points on SmartBuy platform and partnered merchants.
Annual Fee
Free
Base Reward Rate
1X
Point Value
₹0.25/pt
Min CIBIL
650
Lounge Access
Domestic
4/year
International
0/year
Reward Rates by Category
Dining
2X
Travel
2X
Shopping
1X
Online
10X
Grocery
1X
Fuel
1X
Utilities
1X
Other
1X
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
Ready to Apply?
Apply directly on the HDFC Bank website. Takes about 10 minutes.
