HDFC Smartbuy Daily & Monthly Limits Updated

Credit Cards Indusind
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If you shop often, book travel, or buy vouchers on HDFC Bank’s SmartBuy platform, knowing the monthly and daily reward caps is essential to getting the best from your debit or credit card. Here is a comprehensive outline of the current limits for 2025.

HDFC SmartBuy Reward Limits based on Card Type

  1. HDFC Infinia Credit Card
    Daily Reward Ceiling: 15,000 reward points
    Monthly Reward Ceiling: 15,000 reward points

  2. HDFC Diners Black Metal / BizBlack
    Daily Reward Ceiling: 10,000 reward points
    Monthly Reward Ceiling: 10,000 reward points

  3. HDFC Diners Black (Classic)
    Daily Reward Ceiling: 2,500 reward points
    Monthly Reward Ceiling: 7,500 reward points

  4. HDFC Regalia / Diners Privilege / BizPower
    Daily Reward Ceiling: 2,000 reward points
    Monthly Reward Ceiling: 4,000 reward points

  5. Tata Neu HDFC Credit Card
    Daily Limit: 1,000 NeuCoins
    Monthly Limit: 1,000 NeuCoins

  6. Other HDFC Credit Cards
    Daily Cashback Limit: ₹1,000
    Monthly Cashback Limit: ₹1,000

  7. HDFC Debit Cards / PayZapp Wallet
    Daily Cashback Limit: ₹1,000
    Monthly Cashback Limit: ₹1,000

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What happens if I exceed the daily or monthly reward cap on my HDFC Infinia Credit Cad do I still earn base rewards?

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The limits on both, accelerated and base reward points are usually the same. So once you touch the limit on your accelerated reward points, you will not be able to get even the base reward points on that particular purchase.