Terms & Conditions:

• Offer is valid between 1-02-2026 to 28-02-2026

Cashback-related TnC:

•Cashback offer is valid between April 1, 2025 and March 31, 2026.
 

Cashback for Credit Card (CC):

•Cashback shall be posted in the respective card account, in the next statement cycle from the Smartpay transaction.
 
 

Cashback for Debit Card (DC):

•Cashback point proceeds shall be posted to customer’s Debit Card linked account within 90 days from the end of the offer period, on best effort basis.

•Customers will need to redeem these Cashback points by logging into NetBanking or calling PhoneBanking and request for redemption of Cashback points.

•The cashback points accumulated can be redeemed as below –

•Through Netbanking: Cards > Debit Cards > Enquire > Cashback Enquiry and Redemption > Account Numbe . Continue > Input the Cashback amount.

•Through Phonebanking : 48 hours post request for redemption of Cashback points, the equivalent amount shall be credited to the customer primary account linked to the debit card only.

•Promotional Cashback points earned will be valid for redemption for 3 months from cashback posting month, post which the same will expire.

•Any queries / complaints related to the offer to be raised only after the end of TAT for cashback posting of 90 days.
 
 
 
 
 
E-Voucher related TnC:
 

• Offer is valid between February 1, 2026 to February 28, 2026

•E-Voucher would be posted within 90 days from the end of the offer period.

•Customer can avail this offer for up to 20 bills added on SmartPay (10 on Credit cards and 10 on Debit cards). If customer has added 10 bills via Credit/Debit card and availed the voucher offer, future bills added will not be eligible for the voucher benefit.

•E-Voucher link would be sent via SMS on the registered mobile number.

•Benefit for the customer – The customer gets a flexibility of choosing their own Gift Voucher from the given brands for any denomination till the time their wallet balance gets completely exhausted.

•Any cancellation/deletion/modification of bills post registration would lead to ineligibility to voucher program.
 

E-Voucher Claim Process –
 

Eligibility communication (SMS) is sent to all customers eligible for the offer, with the link of the landing page.

Step 1: On the landing page, enter your unique promo code and Registered mobile number.

Step 2: Enter the OTP received on your registered mobile number and submit.

Step 3: Choose your Brand & Click on “Redeem” to claim your Gift Voucher

Step 4: Enter your details – Name, Mobile number, E-Mail id.

Step 4 – Choose your denomination and quantity.

Step 5 – Click on “SUBMIT”

That’s it! The Gift Voucher of your chosen brand will be sent to the customer instantly.

•The customer will be eligible only if bill is active at the time of fulfillment under the selected Debit / Credit Card.

•If the same utility bill is deleted & re-registered on automatic payment, then the customer will not be eligible for e-voucher.

•Customer will be eligible for e-voucher only if 2 or more utility bills are set on automatic payment using Debit / Credit Card within the offer period.

•E-Voucher is not applicable on DTH, Cable TV, Education fee payment, LPG, FASTag, Loan repayment, Recurring Deposit, Donation, Mutual fund, Mobile Prepaid & Tax categories.
 
 
Other Terms & Conditions:
 

•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.

•HDFC Bank Debit / Credit card holders 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  Debit / Credit Card is used to complete successful payment.

•This offer is non-encashable, not extendable and non-negotiable.

•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 HDFC Bank Debit Card and Credit Card members only and nothing contained herein shall prejudice or affect the terms and conditions of the Cardmember 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 offer or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts in city of Mumbai (India) only, irrespective of whether courts in other areas have concurrent or similar jurisdiction. The existence of dispute, if any, shall not constitute a claim against HDFC Bank.

•All decisions by HDFC Bank regarding the selection of the customers for e-voucher & cashback posting shall be final and binding. No correspondence will be entertained in this connection.

•HDFC Bank is not responsible 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 a HDFC Bank Cad member, directly or indirectly, by use or non-use of products / services availed of under this offer.

•HDFC Bank is not liable for any delay, non-delivery or shortfall or deficiency or unsatisfactory service / product provided by any participating parties / sponsors.

•Any Tax, service charge or other charges levied with regards to the Promotional Cashback Offer, maybe borne by the Cardholder.

•In the event of any inconsistency between these terms and conditions and brochures, marketing or promotional materials relating to the promotion, these terms and conditions shall prevail.

•In case of any dispute on offer from other sources – only the offer construct & terms and conditions mentioned here will stand final.

•HDFC Bank will endeavour to effect payments / carry out instructions received by it within the payment due date to each utility company. However, HDFC Bank does not warrant that payment / fulfilment of instructions will not be delayed for reasons beyond its control. As the instructions would depend on various electronic technology used from time to time, there could be delays in receipt of any instructions by HDFC Bank from the cardholder and by the provider of utilities / services