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Offer Details

SmartBuy brings to you assured Savings on your favourite Grocery brands. Get lucrative upfront discount plus additional benefit on Home needs & Furniture brands.

Offer Details on your HDFC Bank Credit & Debit Cards valid from 26th to 31st Dec’23.



Instant Vouchers – GYFTR

  • 5% Cashback on all HDFC Bank Credit / Debit cards (except HDFC Bank Infinia, Diners Black, Diners Privilege, Regalia Credit Cards and Prepaid Cards)
  • 5x Reward Points on HDFC Bank Infinia, Diners Privilege and Regalia Credit Cards
  • 3x Reward Points on HDFC Bank Diners Black
  • Date of Offer: Valid from 26th to 31st Dec’23.


#Select Brands – List of Select Brands shared below:

Brand Name

Instant Discount

Brand voucher link

Amazon Shopping

Free Conditional Voucher

Big Basket

Free Conditional Voucher


Free Conditional Voucher


Free Conditional Voucher


Flat 1.5% OFF

Spencer's Retail

Up to 2.5% OFF

Reliance Smart

Free Conditional Voucher

Reliance Smart Point

Free Conditional Voucher


Flat 1% OFF


Free Conditional Voucher


Upt o 10% OFF

Amala Earth

Flat 17.5% OFF

Organic India

Flat 15% Off




Please Note:

  • Accelerated reward points and cashback earn benefits valid from 26th to 31st Dec’23 will be calculated on actual spends done using HDFC bank payment instruments (Sale benefit not applicable on reward points redeemed.)
  • The above offers are the only offers applicable during the duration of the campaign. It cannot be clubbed with any other offer not mentioned in this campaign’s terms and conditions.
  • Cashback will be calculated based on card swipe / EMI principal value.
  • Brands mentioned with promo code stands for additional voucher code of a different brand.
  • Customers opting for guest checkout will not be eligible for PayZapp linked benefits from sale.
  • For claiming GST invoice on booking via Smartbuy, GST details needs to be mentioned at the time of booking. GST invoice cannot be generated post the booking without opting for GST invoice. Booking will not be entitled for a GST invoice in such scenario.
  • The brand wise discount mentioned in the list of brands table above are over & above our monthly offers available on Instant voucher category. For Detailed Terms & conditions on the SmartBuy monthly offer, please click here (
  • Brands mentioned online are redeemable online only


How to avail


Instant Vouchers:

  1. Go to HDFC Bank SmartBuy page and select Instant Vouchers section.
  2. Sign-in / Sign-up (Same registration of SmartBuy cannot be used. A new registration is required).
  3. Select your brand, denominations and quantity and add them to your cart to maximise your savings.
  4. On the Cart Page, click on “Buy Now”.
  5. A savings pop-up will show you your total savings. Click on “Proceed”.
  6. You will be redirected to Payment Gateway Page. Use your HDFC Bank Credit / Debit Card / PayZapp to make the payment.
  7. That’s it! The Gift Vouchers will be sent to you instantly.
  8. In case a Promo Code is used by the customer and the transaction failed, the customer can again avail the offer after 15 minutes (in case Offer is not availed already).
  9. In case of any queries or clarifications, kindly write to or reach out at 18001033313.


General Terms & Conditions:

  1. All the Gift Vouchers are valid for a minimum of 3 months depending upon the Brand. The exact expiry date of the Gift Vouchers will be mentioned on the Voucher E-Mail and SMS.
  2. Kindly use your Gift Voucher within the due date. Gift Vouchers once expired cannot be revalidated.
  3. All the respective T&Cs of the brands apply. Please visit the “TERMS & CONDITIONS” on each brand page for detailed Brand T&Cs.
  4. We wish that the program adds delight to all the customer’s experience with HDFC Bank SmartBuy.
  5. For any help regarding your Instant Voucher, please reach out to us:
    • Call us at 1800-1033-313
    • Share your queries at
  6. SmartBuy Instant Vouchers allows only one card with one mobile number, refraining to which the customer’s card will be restricted for usage by the Payment Gateway on SmartBuy Instant Vouchers website. The restriction will be lifted only after the customer submits a valid Government Id Proof.


Detailed Terms & Conditions:

Offer is valid on Successful Transactions completed on SmartBuy under categories Instant Vouchers, on SmartBuy.

This Offer is not valid on offers given by individual merchants under offers section and on Compare & Shop.

Transaction Eligibility

  • Applicable for Full payment across all categories (on Instant Vouchers)
  • Also applicable on Credit card Easy EMI Transactions (on Instant Vouchers only)
  • Offer is not applicable for failed or refund transactions
  • Offer is not applicable for users opting for Guest check out through PayZapp
  • Offer not applicable on PayZapp Prepaid Card transactions

Other Terms & Conditions

  • The offer on Instant Voucher category is over & above our monthly offers
  •  Instant voucher Promo code applicable once per user during the Sale period
  • HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this offer or not, or to extend or withdraw it altogether.
  • No two programs can be combined or benefits of two programs are combined at any point in time, for transactions done on the SmartBuy website or pages thereof, associated with the program.
  • HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary and the offer is being made purely on a “best effort” basis.
  • Card Holder/s whose account has been classified as delinquent before or during the currency of the Program, or when the gift is to be collected, will not be eligible for the benefits of the Program.
  • Offer is valid only if HDFC Bank Credit/ Debit card is used to complete payment. Wallet load using HDFC card or Cash on Delivery options are not eligible under this offer.
  • Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and Card Account Fees will not be considered for this offer.
  • This offer is non-encashable, not extendable and non-negotiable.
  • If a card member has more than 1 (one) HDFC Bank Credit Card, spends on the cards cannot be clubbed by the card member in order to qualify for the said offer.
  • This offer is valid for Indian residents and citizens only.
  • Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar or other offers.
  • Above offers are by way of a special offer for select HDFC Bank Credit Card and Debit Card members only and nothing contained herein shall prejudice or affect the terms and conditions of the Card member agreement. The terms of the above offers shall be in addition to and not in derogation of the terms contained in the Card members Agreement.
  • All disputes, if any, arising out of or in connection with or as a result of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Chennai only, irrespective of whether courts/tribunals in other areas have concurrent or similar jurisdiction.
  • All Janisions by HDFC Bank regarding the selection of winners shall be final and binding. No correspondence will be entertained in this connection.
  • All valid spends transactions will be eligible for the offer. HDFC Bank will not be responsible for invalid transactions.
  • To be eligible for the offer, Cardholder is required to satisfy the condition mentioned in the offer post receipt of the communication.
  • Nothing herein amounts as a commitment by HDFC Bank to conduct further, similar or other schemes/offers.
  • HDFC Bank reserves the right to extend this offer to selected HDFC Bank Debit Cardholders only.
  • HDFC Bank is not responsible for, or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses that a Cardholder may suffer, sustain or incur due to the offer.
  • HDFC Bank shall not be liable for any loss or damage whatsoever or for any personal injury that may be suffered, by an HDFC Bank Debit Card member, directly or indirectly, by use or non-use of products/services availed of under this offer
  • In the event of any inconsistency between these terms and conditions and any brochures, marketing or promotional materials relating to the promotion, these terms and conditions shall prevail.
  • HDFC Bank is not liable for any delay, non-delivery or shortfall or deficiency or unsatisfactory service/product provided by any participating parties/sponsors.
  • Pictures in the communication are representative and the actual product may differ.
  • This offer is non-transferable to any other person.
  • Any Government levies/taxes like Sales Tax, TDS, gift tax, road tax, any Local Tax, etc. arising out of the same will be borne by the HDFC Bank Debit card customer.
  • In case of any dispute on offer from other sources - only the offer construct & terms and conditions mentioned here will stand final.