: Depending on your card variant (e.g., Infinia, Diners Black, or Regalia), you can earn up to 10X reward points or 5%–10% cashback on partner spends.

For premium cardholders, SmartBuy is the most efficient way to use points:

: Purchase instant gift cards for over 150 brands (like Amazon, Swiggy, and BigBasket). This is often the most effective "hack" for earning high rewards on everyday groceries and shopping.

Hotel & HDFC Flight Offers with SmartBuy Instant Vouchers - gyftr

: Book flights (via EaseMyTrip, Cleartrip, Yatra) and hotels (via Cleartrip, Yatra, MakeMyTrip) directly through the portal.

: Redemption is capped, typically at 150,000 points per month for Infinia. User Considerations & Issues

Hdfc Smart — Buy App

: Depending on your card variant (e.g., Infinia, Diners Black, or Regalia), you can earn up to 10X reward points or 5%–10% cashback on partner spends.

For premium cardholders, SmartBuy is the most efficient way to use points: hdfc smart buy app

: Purchase instant gift cards for over 150 brands (like Amazon, Swiggy, and BigBasket). This is often the most effective "hack" for earning high rewards on everyday groceries and shopping. : Depending on your card variant (e

Hotel & HDFC Flight Offers with SmartBuy Instant Vouchers - gyftr Yatra) and hotels (via Cleartrip

: Book flights (via EaseMyTrip, Cleartrip, Yatra) and hotels (via Cleartrip, Yatra, MakeMyTrip) directly through the portal.

: Redemption is capped, typically at 150,000 points per month for Infinia. User Considerations & Issues