- On every purchase of Rs. 2,000 or above that you made using HDFC PayZapp or SmartBuy App be it Amazon, Flipkart, Flight bookings, hotel bookings, Bus ticket bookings, or Instant Cashback vouchers on GYFTR, you earn a 5% cashback. This cashback is limited to a maximum of Rs. 1,000 every month within the first semester of the card membership, and a maximum of Rs. 750 during the 2nd semester of the card membership year. Cashback is accumulated into your credit card account as CashPoint, which is equal to Rs. 1 if redeemed against credit card charges and Rs. 0.30 if redeemed at SmartBuy website.
- For every Rs. 2,000 or above that you spend on online purchases on any website or app other than HDFC PayZapp and SmartBuy, you earn a 2.5% cashback in return. You can only earn a maximum cashback of Rs. 750 a month.
- On all of your other transactions such as offline expenses as well as for adding money to online wallets except fuel purchases, you can 1% cashback against every Rs. 100 spend. The maximum cashback under this criteria that you can earn is limited to Rs. 750.