Skip to content
CardLore

WordsHDFC's rewards portal

SmartBuy

HDFC Bank’s own portal for booking flights and hotels through travel partners, buying brand vouchers and spending reward points. Some HDFC Bank cards earn extra points there on top of their usual rate, up to a monthly cap; its Infinia terms, for example, cap the extra at 15,000 points a month and call the scheme a limited period offer.

Points can pay for part of a flight or hotel there: up to 70 per cent of the booking on some cards and 50 per cent on the rest, under HDFC Bank’s MITC. A point can be worth more there; HDFC Bank’s Regalia Gold terms value it at ₹0.50 on travel and ₹0.15 against the bill.

Where this comes from

  1. HDFC Bank, Key Fact Statement cum MITC for Credit CardsVersion 4.12, 30 September 2026: Part I, I) reward points and cashpoints, items s and t
  2. HDFC Bank, Infinia Reward Points Program Terms and ConditionsPDF of 6 July 2026: clauses 8 and 18
  3. HDFC Bank, Reward Points Redemption through SmartBuy (Regalia Gold)PDF of 21 July 2026: redemption values and flight bookings

Last checked

Posts that use it

Nobody has written about SmartBuy yet.

Write about it

A redemption, and what it was really worth in rupeesA trick that stopped working

More words like it

  • GV

    Gift voucher

    A voucher for a shop or a brand. Some cards give them as rewards, and points can be spent on them.

    More about GV

  • RP

    Reward points

    The points a card earns as you spend. What a point is worth depends on what you spend it on.

    More about RP

  • Infi

    Infinia

    What people call HDFC Bank's Infinia, a metal card it offers to select customers by invitation only.

    More about Infi

  • Capping

    A ceiling on rewards

    A limit on how much reward a card gives in a month or a statement cycle, however much you spend.

    More about capping

What happened to members, not financial advice. Offers change, so check with the bank. Terms of use