App: Hdfc Smart Buy

: Most travel and high-value redemptions (like Apple or Tanishq) allow you to pay up to 70% of the value using points, with the remaining 30% charged to your card.

: 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. hdfc smart buy app

For premium cardholders, SmartBuy is the most efficient way to use points: : Most travel and high-value redemptions (like Apple

: Book flights (via EaseMyTrip, Cleartrip, Yatra) and hotels (via Cleartrip, Yatra, MakeMyTrip) directly through the portal. : Redemption is capped, typically at 150,000 points

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

: 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.