Welcome to SmartBuy!

1. How can I do full cancellation?

   • You have to first cancel your ticket at R360 Smartbuy portal from the Manage Order Section. R360 will trigger a claim for the same with Digit. Digit will acknowledge and process your claim.
   • You should cancel the policy at least 24 hours before travel date.

2. What are the steps for raising the claim for partial cancellation and amendment of flights?

   • You will have to contact the smartbuy concierge service for partial cancellation and ask them to cancel the ticket and raise a claim for you.
   • To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge only. Cancellations done via the OTA partners (Goibibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
   • You should cancel the policy at least 24 hours before travel date.
   • Please find the customer care details by clicking on this link.

3. What are the steps for raising the claim for domestic travel product?

   • Trip Delay, Missed Flights, Cancellation by operator, Flight Diversion, Baggage Delay, and Personal Accident is covered under this policy.
   • You can raise your claim post flight’s landing to the destination from the SmartBuy Manage Order section.
   • You have to click on the “Raise Claim” CTA located under the “TICKET” section on the right panel to get re-directed to the Go-Digit portal for initiating the claim raise process.
   • In case of Trip Delay, apply claim details gets auto-triggered via SMS when your flight gets delayed.
   • For Missed flight, Flight Diversion, Baggage damage: within 48 hours of the event occurrence.
   • There is no time limit for Cancellation by Operator, Baggage Delay and Personal Accident.

4. How long does it take to process the refund?

   • It takes 5-7 working days from the date of last received document.

5. If I have a connecting flight, will the product cover respective journeys?

   • Product will only cover 1st leg of the journey, i.e. if your journey is Bangalore to Rajasthan via Delhi, you will be covered for Bangalore to Delhi.

6. A.Standalone Cancellation product for SmartBuy customers.

   Is the Product applicable for One way and roundtrip?

   • Yes, product is applicable for both, One way and round trip.

7. If I have a connecting flight, will the product cover respective journeys?

   • Product will only cover 1st leg of the journey, i.e if your journey is Bangalore to Rajasthan via Delhi, you will be covered for Bangalore to Delhi.

8. Will the product cover Non-stop and with Stop flight journeys?

   • Yes. For with stop flights, only 1st leg of the journey will be covered.

9. Is the product applicable for International Flights?

   • No , product is not applicable for International flights.

10. Can this product be bought post booking the flight ticket?

    • No, product can’t be bought post booking the tickets.

11. Is the partial cancellation Possible in the product?

    • Yes, partial cancellation is possible, i.e if you have booked tickets and bought this product for 2 members and you want to cancel for one member , you can. Or if you have bought this product for round trip journey, and you cancel return ticket, this will be covered.
    • To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge. Cancellations done via the OTA partners (Goibibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
    • Please find the customer care details by clicking on this link.

12. Can I add any member post buying the ticket and policy?

    • No, you can’t add any member post buying the tickets.

13. Will I get a full refund?

    • No, you will get the Airline penalty as mentioned in your policy, max upto INR 3600.

14. Whom should I reach to cancel the policy?

    • Reach out to Godigit only for trip secure & trip delay. For other policy, please reach out to SmartBuy Concierge.
    • Policy cannot be cancelled.
    • you can email at hello@godigit.com

15. How can I do full cancellation?

    • You have to first cancel your ticket at R360 Smartbuy portal from the Manage Order Section. R360 will trigger a claim for the same with Digit. Digit will acknowledge and process your claim.

16. How long does it take to process the refund?

    • It takes 5-7 working days from the date of last received document.

17. If I make partial cancellation of my air ticket, will I get refund automatically?

    • No, you wont get the refund automatically. You have to contact the concierge service and ask them to cancel the ticket and raise a claim for you.
    • To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge. Cancellations done via the OTA partners (Goibibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
    • Please find the customer care details by clicking on this link ("https://offers.reward360.in/regalia/customer_support"). You can contact us on the concierge number associated with your card.

18. Whom should I contact for Partial cancellation?

    • You have to contact concierge service (smartbuy customer care) for partial cancellation.
    • To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge. Cancellations done via the OTA partners (Goibibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
    • You can contact R360 customer care @ 18604251188 / 9986896688 / 18604253322 Or support@smartbuyoffers.co

19. What documents do I need to share for claiming a policy for partially cancelled tickets?

    • You have to contact Smartbuy customer support and raise a claim, you will have to provide any details they need for the same.
    • Email/Document proof of the flight cancellation will be required to process the claim. The proof must essentially have the details like date of flight cancellation, name of the passenger for whom the flight was cancelled, Booking ID and PNR.
    • The document requirement also vary from case to case and in some cases we might need some additional document like ‘cancelled ticket confirmation’ Breakup of the cancellation charges, refund proof.

20. What documents do I need to share for claiming a policy for fully cancelled tickets?

    • You don’t need to submit any documents for full cancellation.

21. What is the lead period in which I can book the ticket with Digit product?

    • In a lead period of 90 days, you can book a ticket with Digit Standalone Cancellation Cover.

22. If I cancel my ticket, will my insurance be also cancelled?

    • No, claim for cancellation will be triggered automatically and you will receive the refund amount within 5-7 days.

23. If I want to opt out of the product post buying tickets, will I get my insurance premium back?

    • No refund will be provided in case of cancellation by insured, cancellation by insurer. Full refund in case of cancellation due to wrong entry in policy.

24. How much time before Travel date I need to cancel the policy to get the refund?

    • You should cancel the policy at least 24 hours before travel date.

25. What is the maximum amount paid for cancellation per passenger?

    • Max amount paid for cancellation is INR 3600 per passenger.

26. If I have made the payment through reward points, will I get cashback on cancellation?

    • You will get Reward points and cash as you used during payment . i.e if you have used 200 reward point along with some cash, you will get the same on cancellation.

27. What airlines are covered under the product?

    • Akasa, Spicejet, Air India Express (I5 Flights) /Air Asia, Vistara, Indigo, Air India are covered.

28. What is the Minimum and Maximum Age to get enrolled under this product?

    • You can enroll anyone between 2- 90 Yrs of age

29. How many claims I can report under this product?

    • You can claim only once per unit of product purchased.

30. Is the premium the same for single trip and round trip?

    • No, Premium will be double for round trip and you will be covered for two journeys.

31. Will the product cover cancellation charges?

    • No, cancellation charges will not be covered under this product.

32. If I cancel the ticket directly with Airline or the OTA partner (Goibibo, MMT, Yatra, Ease My Trip), will I get the refund?

    • Only cancellation made on the R360 platform or via the R360 customer support will be eligible for the insurance claim.

33. Is it necessary to cancel the ticket from Smartbuy platform to get the refund?

    • Yes, its necessary to cancel the tickets from smartbuy platform, for partial you need to contact the concierge service.
    • To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge only. Cancellations done via the OTA partners (Goibibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
    • You should cancel the policy at least 24 hours before travel date.
    • Please find the customer care details by clicking on this link.

34. Will the product cover All classes (Economy / Business / First)?

    • No, its for Economy class only.

35. How to track my claim, will I get any reference number?

    • You will get updates via mail on your claim. You will receive a claim (reference) number over mail.

36. What is the unique identifier with which I can reach out to Smartbuy Customer Support and Digit for any query?

    • A unique identifier will be your Booking ID and policy number.

37. What are the contact details of R360 and Digit?

    • Digit: 1800-258-5956,hello@godigit.com ; R360: 18604251188 / 9986896688 / 18604253322,support@smartbuyoffers.co

38. What all is covered under this product?

    • 1. Cancellation.
    • 2. Amendment.
    • 3. Trip Secure .
    • 4. Trip delay.

39. How will I receive my policy details?

    • You will receive your policy details via Email.

40. B. FAQs for cancellation and Amendment

    In addition to FAQ’s mentioned above.

    Is partial amendment allowed under this product?

    • Yes, partial cancellation is allowed under this product.

41. Whom should I contact for Amendment?

    • You have to contact the Smartbuy customer support (Concierge service) for Amendment.

42. Whom should I reach out to in R360 and Digit for any query resolution?

    • Smartbuy: 18604251188 / 9986896688 / 18604253322, support@smartbuyoffers.co, Digit: you can use hello@godigit.com

43. What is the booking lead time for Postponement and advancement of the flight.

    • The booking can be postponed up to 90 Days or can be advanced ahead till the current timestamp.

44. Can I change my carrier/Airline while raising the amendment claim request?

    • No, you can’t change the carrier/Airline while raising the amendment claim.

45. What documents do I need to share to get the amendment refund?

    • You have to contact Smartbuy Customer Support for amendment. You will have to provide Flight amendment proof received from the airline or the OTA partner to process the amendment.

46. Maximum Number of amendments allowed in this product?

    • Maximum of 1 amendment is allowed per person per policy generated.

47. What is covered under the Amendment, will I get the full cashback?

    • You will get the amendment charges, cancellation charges and original booking cost upto mentioned limit.(cancellation : max upto INR 3250).

48. How long I will be eligible to claim under this product from the date of original travel?

    • Only claims made until 24 hrs before the original departure time will be eligible.

49. Is the Amendment refund applicable for multicity and stop-over flights?

    • No. Amendment refund is not applicable for multi city trips or stopover flights.

50. Is the Amendment applicable for international flights?

    • No, Amendment is not applicable for international flight.

51. Is it necessary to do the Amendment on Smartbuy to avail the benefit of Digit Product?

    • Yes, Its necessary to do the Amendment on Smartbuy to avail the benefit of Digit Product.
    • To raise the claim for partial cancellation, you have to cancel the ticket via SmartBuy concierge. Cancellations done via the OTA partners (Goibibo, MMT, Yatra or Ease My Trip) will not be eligible for raising the claims.
    • Please find the customer care details by clicking on this link.

52. Can I change the Passenger name while applying for Amendment request with Digit?

    • Only spelling correction is allowed while applying for Amendment request.

53. Can I change the Departure and Arrival city while raising Amendment refund request?

    • No, you cant change the Departure and Arrival city while raising Amendment refund request.

54. No, you cant change the Departure and Arrival city while raising Amendment refund request

    • Refund per passenger per flight will be upto limits mentioned in your policy.

55. Can Amendment be done for both the flights of round trip?

    • Yes, Amendment can be done for both the flights of round trip.

56. How many Amendments claim are allowed in the policy?

    • Maximum of 1 amendment or cancellation is allowed per unit of policy purchased. In case of roundtrips, units of product purchased (per kind) would be 2.

57. In case of round trip , if partial amendment is done for one of the passenger in onward flight in one claim , is it allowed to have another claim for the same passenger for the return Flight ?

    • Yes, Its allowed.

58. What airlines are covered under Amendment policy?

    • Akasa, Spicejet, Air Asia, Vistara, Indigo, Air India are covered under this policy.

59. Will the Amendment product cover All classes (Economy / Business / First)?

    • The Amendment product is for Economy class only.

60. What all is covered under this product?

    • This covers cancellation and amendment (full and partial)

61. What is the Age criteria to opt for this product?

    • Anyone between age 2 to 90 years can opt for this product.

62. How will I receive my policy details?

    • You will receive your policy details via Email.

63. C. FAQs for Domestic Travel Product.

    What is covered under the Policy?

    • Trip Delay, Missed Flights, Cancellation by operator, Flight Diversion, Baggage Delay, and Personal Accident is covered under this policy.

64. How many claims are allowed under this policy?

    • One claim per coverage is allowed under this policy.

65. What is Trip Delay, when I can apply claim under trip delay?

    • Trip Delay is a Benefit based product to offer lumpsum amount for more than 150 mins delay (barring exclusions).

66. How much will be paid under trip delay?

    • INR 400 to INR 1500 will be paid under trip delay.

67. how, can I apply for the claim?

    • It gets Auto-triggered via SMS when your flight gets delayed. You must upload the required documents to the link to initiate the claim process.

68. How to connect with R360 and Digit Insurance in case of any query?

    • Digit: 1800-258-5956,hello@godigit.com,R360: 18604251188 / 9986896688 / 18604253322, support@smartbuyoffers.co

69. What documents are required to intimate the claim?

    • List attached

70. What if the flight is missed, will I get the refund?

    • Yes, you will get the refund under missed flight cover.

71. What is covered under Missed Flight?

    • You will be covered if you miss your flight for the benefit amount mentioned in your policy.

72. What is cancellation by Operator, what benefit I will get in case of such event?

    • When airline cancels the flight , it’s called cancellation by operator. You will get the benefit amount upto mentioned limit. i.e you reach airport and find that your flight was cancelled due to some reason. You are covered for such situation under this product.

73. What is Flight Diversion, what benefit I will get in case such event?

    • When a flight is diverted from the original destination due to any reason, its called flight diversion. Lumpsum benefit to be provided based on the limits provided. i.e your flight was to Mumbai, but due to bad weather, it gets diverted, and you land in Bangalore . you will the get the benefit amount as per your policy.

74. Is this product applicable to all the individuals in air ticket/Booking ID respectively?

    • Yes its applicable for all the individuals in air ticket/booking ID respectively.

75. Yes its applicable for all the individuals in air ticket/booking ID respectively.

    • One claim per cover can be made.

76. In case of Trip Delay, if four passengers are in booking ID/air ticket, how much amount will be paid?

    • Amount will be paid for every individual who are covered for the plan. (If the booking is made for 4 passengers, amount to be paid will be price per unit product x 4)

77. In case of Baggage Damage, if 3 Passengers are travelling carrying 4 bags and One bag get damaged then how much will be paid in such event?

    • The claim will be paid only for the damaged part.

78. What is Baggage delay, what benefit I will get in case of such event?

    • Delay in receiving your baggage at destination airport is called baggage delay. If its delayed for more than 6 hours, you can claim. Benefit amount will be paid.

79. What is Baggage damage cover, how many bags can be covered per passenger?

    • Damage to your baggage during flight is covered under Baggage damage cover. There is no limit on bags per passenger.

80. Is the handbag covered or only the Check in Bag?

    • Only checked in bags are covered.

81. What is Personal accident and what does it cover?

    • In case you meet with an accident in flight, this will cover for such situation.

82. What is Personal accident and what does it cover?

    • In case you meet with an accident in flight, this will cover for such situation.

83. Within how many days I have to intimate the claim in case of any event (Trip Delay, Missed Flight, Cancellation by Operator, Flight Diversion, Baggage Delay, Baggage Damage, Personal Accident)?

    • For Missed flight, Flight Diversion, Baggage damage: within 48 hours of the event occurrence.
    • There is no time limit for Cancellation by Operator, Baggage Delay and Personal Accident.

84. From where I can get my Policy Copy?

    • Policy copy will be sent on email, alternatively you can download the same from the Manage Order Section of your Smartbuy Account

85. Can I buy this product after purchasing the air ticket?

    • No, you can’t buy this product after purchasing the air ticket.

86. D.FAQs for Standalone cancellation and Domestic Travel Product. (In addition to standalone cancellation and domestic travel section)

    If I have bought cancellation and domestic travel insurance and due to some reasons I cancel my ticket, will I get refund of premium for domestic travel insurance?

    • No, you will not get any refund of premium for domestic travel insurance.

87. How do I claim for both these products?

    • You will have to claim for standalone cancellation (partial) and domestic travel separately.

88. E.FAQs for Amendment & cancellation and Domestic Travel Product. (In addition to Amendment & cancellation and domestic travel section)

    If I have bought amendment & cancellation and domestic travel insurance and due to some reasons I cancel or amend my ticket, will I get refund of premium for domestic travel insurance?

    • No, you will not get any refund of premium for domestic travel insurance.

89. How do I claim for both these products?

    • You will have to claim for Amendment & cancellation (partial) and domestic travel separately.

90. FAQs for Amendment & cancellation and Flight delay cover. (In addition to Amendment & cancellation)

    If I have bought amendment & cancellation and Flight delay insurance and due to some reasons I cancel or amend my ticket, will I get refund of premium for Flight delay insurance?

    • No, you will not get any refund of premium for Flight delay insurance.

91. How much will be paid under flight delay?

    • INR 750 will be paid under flight delay.

92. how, can I apply for the claim for flight delay?

    • You can initiate the claim on the link which gets auto-triggered via SMS when your flight gets delayed.

1. What is the offer?

   • 10X Reward Points or 10% Cashback when you shop on the PharmEasy website or M-lite via HDFC SmartBuy platform
   • Valid only on PharmEasy website or M Site.
   • Valid only on visiting PharmEasy website or M Site by clicking on the PharmEasy on HDFC SmartBuy Homepage.

2. How can I avail of the offer?

   • The offer is available for all customers who visit the PharmEasy website or M-lite via HDFC SmartBuy only.
   • Offer is not valid if the customer does not complete the transaction at the PharmEasy website or M-lite after clicking the PharmEasy logo on HDFC SmartBuy.
   • Offer is not valid if the customer drops off and revisits the PHARMEASY Website or M-lite directly.
   • Offer is not valid if a customer adds products to the cart on the PharmEasy website or M-lite after clicking the PharmEasy logo on HDFC SmartBuy but does not complete the transaction. If the customer revisits the PharmEasy website or M-lite to complete the transaction for products added to the cart during a previous visit through HDFC SmartBuy, the offer is not valid.

3. Can I place multiple orders and avail of the discount?

   • Yes

4. What happens in case of returns/cancellation of the order?

   • In case of any cancellations/returns (partial or in full), the order would not be eligible for any cashback/reward points under the HDFC SmartBuy offer.

5. Can I use PHARMEASY Gift cards and PHARMEASY wallet along with the HDFC SmartBuy offer?

   • No. Only HDFC Credit / Debit Cards and PayZapp wallet can be used.

1. What is the offer?

   • 5X Reward Points or 5% Cashback when you shop on the Myntra website or M-lite via HDFC SmartBuy platform
   • Valid only on Myntra website or M Site
   • Valid only on visiting Myntra website or M Site by clicking on the Myntra on HDFC SmartBuy Homepage.
   • Offer not valid on HDFC Corporate Cards.

2. How can I avail of the offer?

   • The offer is available for all customers who visit the Myntra website or M-lite via HDFC SmartBuy only.
   • Offer is not valid if the customer does not complete the transaction at the Myntra website or M-lite after clicking the Myntra logo on HDFC SmartBuy.
   • Offer is not valid if the customer drops off and revisits the MYNTRA Website or M-lite directly.
   • Offer is not valid if a customer adds products to the cart on the Myntra website or M-lite after clicking the Myntra logo on HDFC SmartBuy but does not complete the transaction. If the customer revisits the Myntra website or M-lite to complete the transaction for products added to the cart during a previous visit through HDFC SmartBuy, the offer is not valid.

3. Can I place multiple orders and avail of the discount?

   • Yes.

4. What happens in case of returns/cancellation of the order?

   • In case of any cancellations/returns (partial or in full), the order would not be eligible for any cashback/reward points under the HDFC SmartBuy offer.

5. Can I use MYNTRA Gift cards and MYNTRA wallet along with the HDFC SmartBuy offer?

   • No. Only HDFC Credit / Debit Cards and PayZapp wallet can be used.

1. Seat Selection

   How do I select my seat during the flight booking process?

   • Passengers can view the seat layout while booking their trip on Compare & Fly (https://offers.reward360.in/v1/compare-fly)

2. Can I change my seat selection after booking a flight?

   • Passengers cannot change their seat preference post booking on SmartBuy. In case of any amendment, passengers may contact the partner or airline directly.
   • SmartBuy will not be responsible for the change.

3. Are there any charges for selecting a specific seat?

   • Yes.

4. Is seat selection available for all flights and airlines?

   • Seat Selection availability will depend on the airline.

5. Can I select seats for my entire group in one booking?

   • Users can book a trip for up to 9 passengers.

6. Are there specific seats reserved for passengers with special needs or requirements?

   • For information on seat availability for people with special needs please contact the airline or partner directly.

7. What if the selected seat doesn't get confirmed post successful booking?

   • Seat Confirmation is subject to availability at partners / airlines end. If seat is not confirmed then the refund for the same will be credited back to source account within 5 - 7 business days.

8. Meal Selection

   How do I choose my meal preferences for the flight?

   • Passengers can view the meal selection menu while booking their trip on Compare & Fly (https://offers.reward360.in/v1/compare-fly)

9. Are there any dietary or allergy-related options for meal selection?

   • For any dietary / allergy restrictions please contact the airline directly.

10. Can I change my meal selection after booking my flight?

    • Passengers cannot change their meal preference post booking on SmartBuy. In case of any amendment, passengers may contact the partner or airline directly.
    • SmartBuy will not be responsible for the change.

11. Is meal selection available for all flights and airlines?

    • Meal Selection availability will depend on the airline.

12. What if I forget to select a meal during the booking process?

    • For adding meal preference post booking on SmartBuy, passengers must contact the airlines directly.
    • SmartBuy will not be responsible for the change.

13. Is there an additional cost for selecting a specific meal?

    • Meal Selection availability will depend on the airline. Passengers will have the option of both paid and/or free meals.

14. What if the selected meal doesn't get confirmed post successful booking?

    • Meal Confirmation is subject to availability at partners / airlines end. If meal is not confirmed then the refund for the same will be credited back to source account within 5 - 7 business days.

15. Extra Baggage

    How can I add extra baggage to my flight booking?

    • Passengers can add the extra baggage while booking their trip on Compare & Fly (https://offers.reward360.in/v1/compare-fly)

16. Is there a limit to the amount of extra baggage I can add?

    • Users can add only one extra baggage per passenger.

17. Can I add extra baggage after booking my flight?

    • Passengers cannot change/add the extra baggage post booking on SmartBuy. In case of any amendment, passengers may contact the partner or airline directly.
    • SmartBuy will not be responsible for the change.

18. How much does it cost to add extra baggage to my flight?

    • Extra Baggage availability and price depend on the airline.

19. Is the cost for extra baggage the same for all flights and airlines?

    • No. Extra Baggage availability and price depend on the airline.

20. What if I need to change my extra baggage selection?

    • passengers cannot change the Extra Baggage post booking on SmartBuy. In case of any amendment, passengers may contact the partner or airline directly.
    • SmartBuy will not be responsible for the change.

21. What if the selected baggage doesn't get confirmed post successful booking?

    • Baggage Confirmation is subject to availability at partners / airlines end. If baggage is not confirmed then the refund for the same will be credited back to source account within 5 - 7 business days.

22. Note: Value added services for Cleartrip are only available for Domestic Spice Jet, Indigo, Air Asia and Akasa, Alliance Air.

Zoom car FAQS

1. What is the offer?

   • Upto 5X Reward Points or 5% Cashback when you shop on the Zoomcar website or Msite via HDFC SmartBuy platform
   • Valid only on Zoomcar website or M Site
   • Valid only on visiting Zoomcar website or M Site by clicking on the Zoomcar logo (placeholder) on HDFC SmartBuy Homepage.
   • Offer not valid on HDFC Corporate Cards.

2. How can I avail of the offer?

   • The offer is available for all customers who visit the Zoomcar website or Msite via HDFC SmartBuy only.
   • Offer is not valid if the customer does not complete the transaction at the Zoomcar website or Msite after clicking the Zoomcar logo on HDFC SmartBuy.
   • Offer is not valid if the customer drops off and revisits the ZOOMCAR Website or Msite directly.
   • Offer is not valid if a customer adds products to the cart on the Zoomcar website or Msite after clicking the Zoomcar logo on HDFC SmartBuy but does not complete the transaction. If the customer revisits the Zoomcar website or Msite to complete the transaction for products added to the cart during a previous visit through HDFC SmartBuy, the offer is not valid.

3. Can I place multiple orders and avail of the discount?

   •Yes

4. What happens in case of returns/cancellation of the order?

   •In case of any cancellations/returns (partial or in full), the order would not be eligible for any cashback/reward points under the HDFC SmartBuy offer

5. Can I use ZOOMCAR reward points in the orders with HDFC SmartBuy offer?

   •No. HDFC SmartBuy offer would be applicable only if the payments are made using HDFC Credit / Debit Cards.

6. What is Zoomcar?

   Zoomcar is India's first membership-based, self-drive car rental service which allows individuals to hire cars by the hour or by the day. Reservations are made through the website or our mobile app.

7. What type of vehicles does Zoomcar offer?

   Zoomcar offers a wide range of cars in Hatchbacks, Sedans, SUVs, and Luxury segments to choose from.

8. Are there restrictions on where I can travel?

   Most of Zoomcar's vehicles are equipped with an All India Permit, so you are free to Zoom anywhere in India. Vehicles without an All India Permit are specified on the website. Visit https://www.zoomcar.com/policy #interState section for more tips on traveling between states.

9. Do I have to return the car to the same location where I picked it up?

   For all the bookings, return the Zoomcar Car to its pick-up location. If you leave Zoomcar Car away from your Pick-up location, you will be charged up to INR 10,000 in wrong location drop penalties + Car recovery expenses incurred by Zoomcar until the vehicle is returned to the correct location. Late fees will also be charged at the effective hourly booking rate.

10. Do the vehicles have manual or automatic transmissions?

    Yes, We have both types of vehicles. Make your choice while selecting the vehicle.

11. What is Peak Season? Are the prices different during Peak Season?

    Hourly rates are different for Mon-Thu, Fri-Sun, and Peak Season here . Please have a look at the dates for Peak Season here. The prices are mentioned on here the tariff page.

12. What documents do I need to bring when I pick up my Zoomcar vehicle?

    Please bring your original driver's license and a valid credit or debit card for any incidental charges (e.g. excess km, extended reservation, etc.)

13. Who pays for fuel?

    Zoomcar is providing UNLIMITED KILOMETERS with NO FUEL Bookings, but the Guests are expected to drop the car at an equal or higher fuel level than the Booking Start time. Reimbursement for any excess fuel will be processed to the Guests. Refueling Charges will be levied if the vehicle is dropped at a lower fuel level than the Booking Start time. If the booking type is With-fuel, Zoomcar pays for the fuel, regardless of whether the vehicle is a diesel or petrol variant. Zoomcar refuels the vehicles regularly. If you are driving a long distance and you need to refuel the vehicle, keep the original fuel receipt and submit it after your reservation and Zoomcar will happily reimburse you the amount based on estimation. We do not reimburse fuel refunds on No fuel bookings, please refuel the vehicles as per your need. While ending the trip vehicle fuel % should be as same as the start fuel % to avoid unnecessary charges. Start & End Checklist is mandatory.

14. Is there a km limit to how much I can drive?

    With Zoomcar Bookings, you are getting truly UNLIMITED KILOMETERS irrespective of the booking duration. No additional charges will be applicable for the driven KMs.

15. Am I responsible for parking and moving violations?

    Yes. Members must pay for any fines incurred during the reservation.

16. Why do I have to pay a deposit?

    Zoomcar doesn't take any deposits for serving a Booking. Based on additional usage customers will be charged at the time of Booking End.

17. Can I book a one-way trip?

    No. We only support the round trip and the pickup and drop points are the same.
     

18. Is there a Speed Limit?

    Yes, 125 km/hr. You will be charged an over-speeding fine max of up to INR 2,500 in case you speed above 125 km/hr. You shall be blacklisted if we find more than two over speeding cases against you. You will be blacklisted if you speed over 150 km/hr.

19. Can I take a pet along with me?

    We love pets. But many of our members are allergic to them. So, we don't allow any pets in our Zoomcar.

20. Can someone else drive Zoomcar during my reservation? What is the process to add a co-driver?

    We understand that driving can get tiring on a long drive and you want to share driving responsibilities with a friend. Simply add co-drivers through the Co-Drivers page in your account. This will ensure that in case of any damage, while your friend is driving, liability is limited to the security deposit (under our usual conditions). If your friend is not a Zoomcar user already, we will ask them to upload their DL and then review it. If your friend is already a Zoomcar user then their DL has most likely already been approved. Please do remember, you are still responsible for the vehicle during your reservation. Additionally, if a non-Zoomcar verified person drives the vehicle, Zoomcar's insurance coverage would be invalidated and you will face unlimited liability.

21. Is Zoomcar 24/7?

    Yes, you can keep a Zoomcar for as long as you like. All Zoomcar locations are open 24/7 for you to schedule your pickup and drop-off at any time of your convenience. Also, our call center is open around the clock to help you with your bookings.

22. How do I change my account details?

    A registered Zoomcar customer can change only his phone number once the Driving Licence is approved, however, if the Driving Licence is not approved a registered member can change all other details other than the registered e-mail ID

23. How do I reach the location of the car?

    Once the booking is confirmed, vehicle details with the location would be shared 3-4 hours prior to booking start time. We will also share an exact car location before 30 minutes of your booking start time along with the Navigation Link. Please use this Link or your application to navigate to your pickup location.

24. How do I find my car?

    It’s simple to find the vehicle. We will share the exact vehicle location 30 minutes prior to your booking start time through an SMS on your registered contact number. Use this navigation to reach your vehicle or you can even use Find my car option through your App and follow the Last mile directions.

25. How do I change my start time after booking a reservation

    "Rescheduling is subject to vehicle availability. You can reschedule the booking only prior to 24 hours of your booking start time. To reschedule the booking, you have to log in to the Zoomcar application or web version and then click on an upcoming booking to reschedule." You will not find the option if the vehicle is not available for rescheduling.

26. How do I extend my booking end time?

    "Extension is subject to vehicle availability and extension can be done before the booking end time. To extend the booking you have to do 1. Login to Zoomcar application 2. Click on My Trips from Menu option 3. Select booking 4. Click on extend booking right below the Remaining time. 5. If yes, Key in your desired extension time. 6. Pay the amount immediately to confirm your extension. Failing to pay the extension amount immediately would reverse the extended time and you will have to drop back the vehicle within the originally reserved time. Any Late drop without extension would incur late fees and charges. https://www.zoomcar.com/policy#feePolicy." Extend booking option will be available only if the vehicle is available for extension.

27. What if the damage charges on my booking are invalid?

    You have all the rights to dispute in case of invalid charges. Please avoid any kind of invalid charge on your booking by filling the Pick-up and End checklist with images that would act as a reference point for such events. Kindly keep the images with you for any such event of a dispute to dispute the charge.

28. What if my fuel expense is still not reimbursed?

    Start & End Checklist is mandatory. If the Host & Guest Checklist validation is completed, the charges/refund will be applied accordingly

29. What would be the fuel level in the vehicle which gets allotted to me? What if the fuel level is low?

    Fuel levels in a few vehicles may be as low as 5-10%. Post completing the pick-up checklist procedure. Please check the fuel percentage in the vehicle and refuel the vehicle if the current fuel level is not enough for your trip. Please refuel the vehicle as per your trip requirement.

30. What if I see there are exterior damages on the vehicle?

    We try to inspect all our vehicle's condition periodically however if you notice any damage on the vehicle, please do call out the same in the start checklist and also do capture the images for future reference.

1. What is the offer ?

   • Upto 5X Reward Points when you shop on Nykaa App or Msite via HDFC SmartBuy
   • Valid only on Nykaa Beauty App or M Site
   • Valid only on visiting Nykaa Beauty App or Msite by clicking on the Nykaa logo on HDFC SmartBuy Homepage.
   • For checking the maximum capping of points –click here
   • Offer not valid on Nykaa Retail Stores
   • Offer not valid on HDFC Corporate Cards.
   • Eligible cards pls find details here
   • Offer not valid on Nykaa Global Store.
   • Offer valid for Nykaa Pro Customers.

2. How can I avail the offer?

   • The offer is available for all customers who visit Nykaa App or Msite via HDFC SmartBuy.
   • Offer is not valid if the customer does not complete the transaction at Nykaa App or Msite after clicking Nykaa logo on HDFC SmartBuy.
   • Offer is not valid if customer drops off and revisits the Nykaa App or Msite directly.
   • Offer is not valid if customer adds products to the cart on Nykaa App or Msite after clicking Nykaa logo on HDFC SmartBuy but does not complete the transaction. If the customer revisits Nykaa App or Msite to complete the transaction for products added in the cart during a previous visit through HDFC SmartBuy, the offer is not valid.

3. Can I place multiple orders and avail the discount?

   • Yes, you can place multiple orders for more details click here

4. What happens in case of returns/cancellation of the order?

   • In case of any cancellations/returns (partial or in full), the order would not be applicable for any cashback/reward points under the HDFC SmartBuy offer.

5. Can I use Nykaa reward points in the orders with HDFC SmartBuy offer?

   • No, Nykaa reward point cannot be used while doing the transaction from SmartBuy. HDFC SmartBuy offer would be applicable only if the payments are made using HDFC Credit / Debit Cards.

6. Can I use Nykaa Gift cards and Nykaa wallet along with the HDFC SmartBuy offer?

   • No. Only HDFC Credit / Debit Cards can be used.

1. What is convenience fee?

   Convenience fee is a nominal charge levied by the travel aggregator selected by the customer for flight booking under ‘Compare & Fly’. Neither R360 nor HDFC Bank have any role in the value or amount of convenience fee charged by the travel aggregator to the customer. The travel aggregator charges this fee in lieu of the convenience they provide to the customer by way of online flight booking.

2. How much is the convenience fees for flights?

   The convenience fees for domestic and international flights would be charged by the partner i.e., Cleartrip, Yatra, Goibibo & EaseMyTrip. The convenience fee is non-refundable. . Neither R360 nor HDFC Bank charge this fee.

3. Why does the travel aggregator charge a convenience fee?

   The travel aggregator charges this fee in lieu of the convenience they provide to the customer by way of online flight booking. Travel aggregators charge a convenience fee for the overall assistance provided to the customer. While booking, the travel aggregators provide fares from different airlines/service providers on a single platform, thus, saving the customers the hassle of checking each airline fare individually.

1. What kind of pace can I expect on a national geographic expedition?

   Nat Geo itineraries are designed to include full, active days with plenty of opportunities to experience each place from an insider's perspective, whether that means encountering wildlife, learning about different cultures and environments, or sharing in local traditions. Pace and physical activity level vary by trip and by travel style. On National Geographic Expeditions and Journeys, we offer alternate activities when possible. For more information about the pace of a specific trip, see the trip itinerary. Where applicable, we've added additional notes about the activity level or physical requirements in a "What to Expect" section on the trip itinerary page.

2. How do the national geographic expeditions and journeys trip style differ from one another?

   National Geographic Expeditions are National Geographic’s flagship trips and are designed to reflect travelers' broad spectrum of interests. Expeditions are led by National Geographic experts or expedition teams, and feature world-class accommodations and experiences, including special access to sites and field researchers. Most activities and meals are included in the expedition cost, which ranges from $4,500 to $12,500 per person.National Geographic Journeys are our newest line of trips. They blend fun, hands-on exploration with meaningful encounters with people and cultures, interactions with knowledgeable local guides, and more free time and choices. Limited to 16 travelers in most cases, these trips are lower-priced and include stays at mid-range hotels and inns. Some activities and meals are included in the trip cost, which ranges from $1,500 to $4,000 per person.

3. How much flexibility is there in the itinerary?

   Throughout all of the travel styles, National Geographic has built in options and free time where possible so that you can experience a place and its people in a way that's meaningful to you. By their nature, some trip types offer more flexibility and free time. For instance, private expeditions balance guided tours and planned activities with time to explore on your own, and National Geographic Journeys have more free time and options built into most days, so you can choose what kind of restaurant you’d like or what local sites are most interesting to you. If you are interested in exploring further,many of the expeditions offer pre- or post-trip extensions.

4. What does the trip cost generally include?

   For National Geographic Expeditions, the cost includes meals, accommodations, and excursions as indicated in the itinerary; services of the National Geographic expert or expedition leader and local guides; ground transportation; most transfers; baggage handling; gratuities (except for those for the ship or train crew, where applicable, unless otherwise noted in the itinerary); and pre-trip materials. Included meals are noted at the end of each day on our itineraries with a B for breakfast, L for lunch, and D for dinner.For National Geographic Journeys the cost includes meals, accommodations, and excursions as indicated in the itinerary; services of local guides; ground transportation; some transfers; and electronic pre-trip materials.

5. Do I need to purchase trip insurance?

   For travellers on National Geographic Expeditions, trip insurance is optional and comes at an additional cost. We strongly recommend that you purchase this insurance to protect your travel investment. Travel insurance can offer financial protection for trip cancellation and interruption, as well as assistance should you encounter travel delays, baggage loss, or require medical treatment while traveling. For National Geographic Journeys, each guest is required to have a minimum level of travel insurance coverage for medical emergency evacuation and repatriation of $200,000 (USD, or equivalent in other currency). You may already have coverage through your work, credit card, or annual travel policy. If your pre-existing coverage does not meet these needs, you will be required to purchase travel medical insurance. Additional travel insurance, including cancellation coverage, is optional but strongly recommended.

6. What do I need to bring on my expedition?

   On a National Geographic Expedition, the dress is typically casual, so we recommend that you pack clothes that are comfortable and that will be well suited to the activities and climate specific to your expedition. Prior to your trip, we will provide you with packing tips and suggestions and information regarding any baggage weight restrictions.

7. Once I book my trip, what information and materials will I receive?

   After you sign up for a National Geographic Expedition, you will receive several pre-trip mailings with specific information about your destination; packing suggestions; and other relevant information to help you prepare for your trip. Any additional materials you receive will depend on the trip you have booked. When you book a National Geographic Journey, you’ll receive all pre-trip information electronically including information prepared by National Geographic.

1. What is MMT Hotels on SmartBuy?

   MMT Hotels is a redirection model on SmartBuy, similar to how Amazon and Instant Vouchers work, where customers can get the benefit of earning Reward Points or Cash Back for bookings made on MakeMyTrip Hotels section only via SmartBuy.

2. What will I earn on transacting on MMT Hotels via SmartBuy in terms of Reward Points or Cash Back?

   For bookings made on MMT Hotels via SmartBuy, HDFC Bank customers are eligible to earn 10X Reward Points or  5% Cash Back on select HDFC Bank Credit/Debit Cards. For more details, terms & conditions with respect to this, please refer to the following page: https://offers.smartbuy.hdfcbank.com/offer_details/15282

3. How do I reach out to MMT Hotels team for any queries/clarifications?

   MMT Hotels has a dedicated customer support line for SmartBuy customers to cater to any query/clarification in terms of booking, cancellation or refunds. Please reach out via +91124 4628747/+91124 5045105 (India Fixed Line) for the same.

4. Will I be able to see my MMT Hotel booking on SmartBuy?

   No, you would have to login to the MMT site to view your bookings. Since it is a simple redirection, this data will not be available on SmartBuy.

5. What about Cancellation and Refunds?

   For any information or action with respect to cancellation/amendment/rescheduling/modification as well as any refund-related information of the current MMT Hotels booking, please reach out to MMT Hotels support at +91124 4628747/+91124 5045105 (India Fixed Line) to get the same done/clarified. SmartBuy will not have access to this information.

• HDFC Bank has partnered with GYFTR (Vouchagram India Pvt. Ltd) – an online instant gift voucher solution with nearly 150+ all leading brands in India.

  Here, it presents to HDFC Bank customers its range of connectivity options across India. Advantages of getting an Instant voucher via SmartBuy are
  • Best Deals and offers for customers over 150+ brands available on instant vouchers via SmartBuy. As per the applicable Terms and conditions, the customer may get Rewards Points or Cash-back or instant discount.
  • Convenience of digital booking with secure payments instruments from HDFC Bank.

1. Can I login into https://www.gyftr.com/hdfcsmartbuy/ using SmartBuy login?

   No, you cannot use SmartBuy Login in Gyftr.com (https://www.gyftr.com/hdfcsmartbuy/). You have to create a new login/ Signup for Gyftr.com (https://www.gyftr.com/hdfcsmartbuy/).

2. What is the login for Instant Vouchers?

   You need to login to https://www.gyftr.com/hdfcsmartbuy/ for all your instant voucher related details.

3. Login Process for https://www.gyftr.com/hdfcsmartbuy/

   Please follow the below simple steps for first time login:
   1.Enter valid mobile number
   2. Enter valid email address
   3.Enter OTP sent to the mobile number
   
   For subsequent login, please follow below steps.
   1.Enter valid mobile number
   2.Enter OTP sent to the mobile number

4. What is SmartBuy Instant Vouchers ?

   HDFC Bank SmartBuy Instant Vouchers is a platform for HDFC Bank customers to buy Instant Gift Vouchers of 160+ Brands across categories like Fashion, Accessories, Restaurants, Electronics, Travel, Online, Beauty, Groceries and more.

5. What does the term “Instant” mean ?

   The term Instant means that you will get your Voucher within minutes on your Mobile Number / E-Mail Id. No Physical Voucher is required or is couriered.

6. How do I buy Gift Vouchers ?

   Please follow the below mentioned steps to buy Gift Vouchers of your favorite brands:
   • Login to your Account by using your Mobile Number and E-Mail Id
   • Explore your favorite brands and select one of them
   • Select the denomination and quantity
   • Agree to the Terms & Conditions and click on “Buy Now” if you wish to check out. In you want to continue shopping, click on “Add to Cart”
   • Your Name, Mobile Number and E-Mail Id will be auto filled for delivery. In case you need to send the Voucher to someone else, you can change these details
   • Make the payment using your HDFC Bank Credit Card / Debit Card / NetBanking / Credit Card EMI / PayZapp Card
   • That’s it! The Gift Voucher of your chosen brand will be delivered to your Mobile Number and E-Mail Id instantly

7. Where do I see my past transactions ?

   Login to your Account and click on “My Profile” to check all your past transactions. You can also check the status of your Vouchers and resend vouchers to yourself on your Mobile Number and E-Mail Id.

8. GYFTR (Vouchagram India Pvt. Ltd) FAQs

   Disclaimer - The Gyftr FAQs information are hereby updated basis the latest update received from Gyftr as on 23rd October, 2019. Any FAQ information on the HDFC Bank/SmartBuy website (or the section thereof to which you will be directed) whether about the Merchant or the Products/Services being offered have not been verified by HDFC Bank. HDFC Bank shall not be liable or responsible for any such information.

8. What is the Validity of the Gift Vouchers ?

   The validity of each Gift Voucher depends on Brand to Brand and can be between minimum of 3 months to maximum of 12 months. For the exact validity, please refer to the Voucher E-Mail / Voucher SMS.

9. Where are all these Gift Vouchers accepted ?

   The validity of each Gift Voucher depends on Brand to Brand and can be between minimum of 3 months to maximum of 12 months. For the exact validity, please refer to the Voucher E-Mail / Voucher SMS.
   These vouchers are accepted either at retail stores or online depending upon the voucher type. For example, BookMyShow, Myntra, Yatra, A.Himanshu, Goomo, ICanStay, Fab Hotels, PVR, Ola, Uber etc. are accepted online. You just need to enter the voucher code at payment stage to use your voucher to pay the bill.
   
   All retail vouchers such as Bata, More, Spencer’s Retail, Woodland, Levi’s, Marks & Spencer, Jack & Jones, United Colors of Benetton, Mainland China etc. get accepted at retail stores. Some vouchers like Shoppers Stop, Prestige and Archies etc. get accepted both online and at the retail stores. You just need to show the voucher code in E-Mail or SMS to the cashier to use the voucher against your bill.
   
   While our attempt is to ensure that all the outlets should accept the vouchers but due to some business / technical reasons a few Brand Outlets may not be able to accept the vouchers. Check the Outlet from the Outlet Locator to know which all outlets accept the vouchers.

10. Can I return / cancel a Gift Voucher which I have redeemed ?

    We regret that is not possible. Gift Vouchers once redeemed/bought cannot be cancelled or returned.

11. My Vouchers have expired. Can I have the validity of the vouchers extended ?

    We regret that is not possible. The Gift Vouchers cannot be revalidated once expired.

12. I’ve lost my Voucher SMS / E-Mail. Can I get my Voucher SMS / E-Mail again ?

    Yes, of course! You can call us at 18001033313 or share your query at www.gyftr.com/hdfcsmartbuy/contact-us and our agents will be happy to assist you.

13. Can I know the status of my Gift Vouchers ?

    Yes, of course! You can call us at 18001033313 or share your query at www.gyftr.com/hdfcsmartbuy/contact-us and our agents will be happy to assist you.

14. What is the estimated delivery time ?

    Since these are Instant Gift Vouchers which are delivered on your Mobile Number and E-Mail Id, estimated delivery time is 5 – 10 minutes.

15. I have ordered 20 Vouchers and received only 10. What should I do ?

    Please call us at 18001033313 or share your query at www.gyftr.com/hdfcsmartbuy/contact-us.

16. What are the timings of Instant EVouchers Helpdesk ?

    The Instant EVouchers Helpdesk works 365 days a year from 9:30 AM to 11 PM.

17. How many valid vouchers are available with me ?

    Please call us at 18001033313 or share your query at www.gyftr.com/hdfcsmartbuy/contact-us.

18. How many valid vouchers are available with me ?

    Please call us at 18001033313 or share your query at www.gyftr.com/hdfcsmartbuy/contact-us.

1. What is Debit card EMI?

   EMIs on Debit Card is one of the payment options available on SmartBuy. It lets you pay for your orders in easy monthly instalments using your Debit Card/ATM card.

2. How will I know if I am eligible for Debit card EMI?

   Only a select base of pre-approved customers will be eligible for EMI on Debit Cards. Eligible customers will see this option on the payment page during checkout. Also a pop up will be displayed no sooner user login in to the account.
   
   However, the base of pre-approved customers is likely to change with time hence a customer who might not be eligible today might be made eligible at a future time. Eligibility is decided by HDFC Bank. Customer can check the eligibility by sending SMS "MYHDFC" to 5676712. Alternatively, customer can also check eligibility by sending WhatsApp message "MYHDFC" to 70659 70659.

3. How Debit card EMI works?

   If you are pre-approved for Debit Card EMI, you will see this option on the payment page during checkout.
   
   Select Debit Card EMI (Easy monthly Instalments)
   
   Bank will convert the payment into EMI within 4-7 business days. Your monthly debit card statement will reflect the EMI amount with the interest.

4. For what all services can I avail Debit Card EMI on SmartBuy?

   Debit card EMI is available for Flight, Hotel and Bus. For some select products, purchase on EMI is restricted and this payment option will not reflect on such products. You can check the availability of this option in the offers section on the product detail page.

5. Do I need to have any minimum balance in my account to avail this Debit card EMI?

   While you don't need to have any minimum balance in your account while placing the order, you need to ensure that your account has sufficient funds to pay the EMI as they become due every month.

6. What are the criteria to avail Debit card EMI?

   You need to be an eligible customer for Debit card EMI. Also you need to do a minimum transaction of Rs 5,000.

7. What is SmartBuy’s Debit Card EMI payment option?

   SmartBuy’s Debit Card EMI scheme is available on HDFC Bank debit card holders only. You may choose to pay in 3, 6, 9, 12 or 18 month installments. The minimum order value to avail Debit Card EMI payment option is Rs. 5,000.
   All debit card EMI transaction will attract a convenience fee of Rs. 199 plus GST. This will be payable by customer along with first EMI. This charge is to be borne directly by customer and cannot be subvented by merchant.
   HDFC Bank Credit Card EMI plans / Interest Rate

   3 Months	6 Months	9 Months	12 Months	18 Months
   16%	16%	16%	16%	16%

8. Am I allowed to change the EMI plan after placing the order?

   EMI plans cannot be changed once an order is placed.

9. DO I need to pay any down payment to avail Debit card EMI?

   You need NOT pay any down payment amount to avail this offer.

10. Can I foreclose my EMIs with 'Debit Card EMI' payment mode?

    Yes, you can, by contacting your bank for foreclosure of your EMIs.

11. Will I get a complete refund if the item is cancelled or returned if I have paid for the order using the 'Debit Card EMI' payment option?

    Yes, you will get a complete refund to extend received from partner after cancellation and the EMIs paid by you (if any) till the refund is received from partner. However, banks may charge some cancellation/refund or pre-closure charges. Please check the policy for Cancellations, Refunds, and Pre-closure.

12. After booking is successful how will I confirm whether the transaction is under EMI? I did not get any message from bank?

    After a successful DC EMI payment transaction in SmartBuy, HDFC Bank Debit Card EMI team generates a loan account number on T+1 working day. This loan account number will be the key identifier with HDFC Bank.
    
    This loan account number is sent to the customer over SMS. Also, the loan account number, loan details (like loan amount, tenure, etc.) and welcome letter is sent to customer’s registered address through courier.
    
    If the loan account SMS alert is not received in T+2 working days, please reach to HDFC Bank support number for assistance.

13. Can I request bank for EMI to be debited on specific date?

    No, Loans boarded between 1st-19th will have 20th as Statement Date and 5th of following month as Payment Due Date. Eg. Loan Boarding Date - 10th May; Statement Date - 20th May; Payment Due Date - 5th Jun.
    Loans boarded between 21st-31st will have 20th of following month as Statement Date and 5th of subsequent following month as Payment Due Date Eg. Loan Boarding Date - 23rd May; Statement Date - 20th Jun; Payment Due Date - 5th Jul
    Please refer to “Schedule of Charges” and “Debit Card EMI terms and conditions” for more details.

1. What is HDFC Bank FlexiPay?

   Live each moment worry-free with HDFC Bank FlexiPay.
   
   HDFC Bank FlexiPay is our ‘Buy Now Pay Later’ service, which lets you have what you desire most. Now you needn’t miss out getting those favourite pair of shoes or the latest smartphone. If you have an HDFC Bank Debit Card, you can qualify for this pay later option.
   
   FlexiPay makes it possible for you and your family to shop with ease and contentment, whether at a grocery store, a mall, from your favourite restaurant or online. You can use this digital credit solution to pay later and what’s more is, the first 15 days are interest-free! Are you worried about charges and transaction limit? There are zero processing fees and unlimited transactions.
   
   So, what are you waiting for? Hop on the shopping wagon today with HDFC Bank FlexiPay.

2. Where can I use FlexiPay?

   FlexiPay - Pay Later is accessible as a payment option at your preferred online platform’s check out page. It caters to your specific needs, in addition to the primary options of Credit Card, Debit Card and EMI.To use this option for making a payment, choose ‘FlexiPay’ in the checkout page.

3. How does FlexiPay work?

   With FlexiPay- Pay Later in India, you are offered a digital credit for up to 90 days. For a tenure of 30, 60 or 90 days, the interest is debited from your account on the due date. The principal amount is recoverable at the end of the chosen tenure.The most lucrative benefit of this product is the 15-day interest-free period, wherein only the principal amount is debited at the end of the selected tenure.

4. How can I pay my FlexiPay charges?

   The due amount is automatically debited from your existing HDFC Bank Savings or Current Account.

5. How does it work?

   here are five simple steps to follow to use this service:
   i. Select HDFC Bank FlexiPay- Buy Now Pay Later at the checkout page on the website.
   ii. Enter your HDFC Bank Registered mobile number.
   iii. Select the preferred tenure of your choice, enter the last 4- digits of your HDFC Bank Debit Card. Select the terms and conditions checkbox to proceed further.
   iv. Enter the OTP received on your mobile number to validate the specific transaction.
   v. You are done.

6. What is schedule of replayment of Flexipay loan?

   15 day, 30 day, 60 day, 90 day durations

7. Who is merchant on Smarty travel?

   R360

8. Role of Bank?

   As payment instrument provider of Flexipay.

9. What benefit is provided to customer?

   Debit Card Cash Points which re to be redeemed from post login internet banking.

10. List of merchants where this Flexipay is available on SmartBuy?

    Flights, Hotels & Buses.

11. I've lost my Voucher SMS / E-Mail. Can I get my Voucher SMS / E-Mail again ?

    Yes, of course! You can call us at 18001033313 or share your query at www.gyftr.com/hdfcsmartbuy/contact-us and our agents will be happy to assist you.

12. Whom do I contact in case of any further queries regarding the loan?

    You can raise your queries with our phone banking team at toll free number 1800 2678 678 or write to us at our email id loansupport@hdfcbank.com.

1. What is FreshMenu?

   FreshMenu is an online food delivery partner, now associated with HDFC Bank SmartBuy. HDFC Bank customers can now exclusively access FreshMenu via the SmartBuy site and place food orders online.

2. What are the payment modes by which I can order on FreshMenu?

   You can place orders by using any of the available payment modes in SmartBuy, including points redemption.

3. Where does FreshMenu deliver?

   Currently, FreshMenu delivers across Bangalore, Mumbai (select locations), Gurgaon and Delhi (Saket and neighboring areas).

4. Can I cancel my FreshMenu order placed in SmartBuy via SmartBuy?

   No, you cannot cancel (full or partial) the FreshMenu order on the SmartBuy portal. However, you could cancel your order via FreshMenu directly by reaching out to order@freshmenu.in or calling on 080-40424242.

5. How do I place bulk orders?

   SmartBuy does not support bulk order bookings. Customers would have to reach out to FreshMenu using the above-mentioned email address/phone number for the same.

1. What can I do with my earned Points?

   You can redeem points to book flights, hotel, and experiences across the globe. Additionally you can recharge your DTH and redeem products & vouchers available on our Rewards section at HDFC Bank SmartBuy Regaliagold https://offers.smartbuy.hdfcbank.com/regaliagold..

2. Is there any voucher generation charge?

   No, currently there are no additional charges to redeem your points. But this could change subject to HDFC Bank’s terms and conditions. Please read our terms and conditions regularly for any changes, if applicable.

3. How do I redeem these Points?

   You can redeem your points through the “Redeem Points” section in HDFC Bank SmartBuy Regaliagold https://offers.smartbuy.hdfcbank.com/regaliagold/redeem-points
   
   At the payment page, you will have an additional option to “Pay with Points”. Here, you can pay partial ticket/ payment or full ticket/ payment using points. If partial ticket or payment is paid using Points, the balance amount can be paid using your HDFC Bank Regaliagold Credit Card.
   
   On successful Reward Point redemption, Redemption Voucher code will be sent to your HDFC Bank registered mobile number and email address.

4. How will I get the voucher code?

   On successful voucher generation, the voucher code will be sent to your HDFC Bank registered mobile number and email address.

5. Is there a lag between my voucher code generation and getting the voucher code through mobile or email?

   No, the voucher code will be triggered immediately to your HDFC Bank registered mobile number and email address.

6. I redeemed my points to get a voucher code, but I forgot to use that code for bookings at https://offers.smartbuy.hdfcbank.com/regaliagold Can I get back my points?

   Once you have generated your voucher code, you can use the code on the HDFC Bank SmartBuy Regaliagold https://offers.smartbuy.hdfcbank.com/regaliagold within the next 30 days. Post 30 days, the voucher code will become invalid and you will receive the corresponding number of points in your Regaliagold Card account. It might take upto 30 days for the points to reflect in your account.
   
   You can also manually cancel a valid voucher, through “My Vouchers” section in “My Orders”. It might take upto 30 days for the points to reflect in your account.

7. Do I need min points to redeem?

   Yes, you would need min 100 points to redeem.

8. Is there any limit to redeem points?

   Yes, you can redeem upto maximum of 70% of booking value through Reward Points. Rest will have to be paid via Credit Card. This is effective from 25th July 2020 Eg: if the order value is Rs. 5000. You can create voucher upto Rs. 3500 or available point balance, whichever is lesser.
   
   Please note that this capping is not applicable for Rewards Catalogue redemption.

9. I redeemed my points to generate a voucher worth Rs.5000. I booked a Flight ticket worth Rs.5000. But order failed. Where can I find the voucher details?

   You can view all the vouchers created in “My Orders” >> “My Vouchers” section.

10. I have redeemed my points to generate a voucher worth Rs.5000. I booked a Flight ticket worth Rs.5000. But order failed. Can I reuse this voucher?

    Unused voucher generated for Flight/ Hotel/ Experience can be used to redeem any of these digital services – Flight/ Hotel/ Experience, subject to redeem points capping mentioned in Qn. 8 (in Redeem Points). But these vouchers cannot be used for Rewards Redemption and viceversa.
    
    If you do not use the remaining amount on your voucher, this amount will be refunded to your account after the expiration of the voucher which is 30 days from the creation date of the voucher.

11. I have redeemed my points to generate a voucher worth Rs.5000. The flight ticket I want to book is worth Rs. 6000. Can I still redeem?

    Yes, you can. You will need to use your voucher for the booking and pay the remaining amount of Rs. 1000 using your HDFC Bank Regaliagold Credit Card, all in a single transaction.

12. What if I don’t have enough Points to redeem?

    You can choose to pay partially using the reward points and the balance payment through your HDFC Bank Regaliagold Credit Card.
    
    Please remember that you would need min 100 Points to redeem.
    
    But, this option is not available for Rewards purchase. Currently, you can purchase Rewards through Points only.

13. But, this option is not available for Rewards purchase. Currently, you can purchase Rewards through Points only.

    No. The point’s redemption value varies across categories. Mentioned below is the Points redemption value chart.

     

    Category	Redeem Points Value for Regaliagold Credit Card
    Flight Booking	Re. 1
    Hotel Booking	Re. 1
    Experiences	Re. 1
    DTH Recharge	Re. 1
    Rewards	50 Paise

14. At what ratio, will my Reward Points be credited back into my card account upon Evoucher expiry?

    The amount in the voucher will be refunded as Reward Points into card account at the ratio at which the voucher was generated.

15. What happens when my card gets upgraded or downgraded?

    Upgrade or downgrade of your card will impact your HDFC Bank credit card Reward Points. The points will be calculated with respect to the changed status from the date of upgrade or downgrade.

16. My booking failed, but my Reward points are deducted.

    If the booking is failed, the amount debited through Voucher code will be reversed back to the voucher, next day. You can use the same voucher code again for new redemption.
    You can view all the vouchers created in “My Orders” >> “My Vouchers” section.

17. Can I modify the itinerary on my reward ticket if it has already been issued? Can I also make amendments if I have flown one way already in case of flight redemption?

    No, you cannot modify or cancel your reward tickets once issued.

18. Can I modify the itinerary on my flight ticket (booked using points) if it has already been issued?
    Can I also make amendments if I have flown one way already in case of flight redemption?

    You can modify your tickets by connecting with the partner/ airlines. But extra payment,if any, must be paid directly to the partner/ airlines.

19. Can I cancel my Reward ticket

    In case of flight reward ticket you can cancel either the entire booking or select segments or passengers. In case of Hotel reward booking you will have to cancel the entire booking. The amount you have paid for your reward ticket using voucher is refundable. The amount paid by cash (if any) will be refunded after the applicable cancellation charges. For details on applicable cancellation charges please refer to the cancellation policy and FAQ on cancellation charges under Flight/Hotel section.

20. What happens if the voucher is redeemed and payment is failed?

    If the voucher is redeemed and the payment is failed a the payment gateway due to for some technical/validation reason, we will refund the points back to the voucher code within 60 mins, which will be valid for 30 days.

21. My voucher is redeemed and the payment through card/ account is successful. But my Booking failed. When will I get my refund?

    If the voucher is redeemed and the payment is successful, but booking failed, we will initiate the points and card/ account refund within 3 working days.

1. What is the eligibility criteria for Airport Dining voucher benefit?

   All Regalia credit card holders are eligible for two complimentary airport dining voucher every calendar quarter worth INR 500. The airport dining voucher can be consumed at the eligible airport dining outlet against the food bill.

2. What is the INR value of the voucher?

   Each airport dining voucher is wroth INR 500.

3. Can i club two vouchers in a Bill?

   You cannot club two vouchers in same bill.

4. What is my bill value at outlet is greater than INR 500?

   In case your bill value is higher than INR 500, you can settles the balance amount using your regalia credit card.

5. Can I consume voucher partially and re-use it in my next airport visit?

   Vouchers can be consumed only one. Any balance amount in the voucher cannot be used in subsequent billing. Example: Suppose your food bill is worth INR 250. You can use the voucher to settle the INR 250 bill, but you will not be able to consume balance INR 250 in the voucher in subsequent bill/ visit. Vouchers can be utilised only once.

6. Can I use voucher generated in any city or any airport terminal?

   Airport dining vouchers are specific airport terminal in the city. They cannot be used interchangeably irrespective of the outlet brand of voucher.
   
   Example: Caffeccino outlet voucher redeemed for Delhi Terminal 1 cannot be used for caffeccino brand outlet at any other Delhi terminal. It cannot be used at caffeccino outlet in any other city as well.

7. Will vouchers not consumed in a quarter be carried over to next quarter?

   No, Vouchers not consumed in quarter will not be carried forward to next quarter.

8. How to access the vouchers?

   Visit Regalia Privilege Smart buy Page: https://offers.smartbuy.hdfcbank.com/regalia ;Go to Regalia Benefits section; Select Airport dining voucher; Enter your Card details; Select City; Click on avail now. You will receive the voucher detail in your registered email id and as SMS

9. Airport dining vouchers are available in which airports?

   Refer Airport dining vouchers section in https://offers.smartbuy.hdfcbank.com/regalia for list of eligible airports and outlets

10. Does the vouchers have an expiry?

    The vouchers are valid for 48 hours after you receive them.

11. How many vouchers can i redeem in one bill?

    Only one voucher can be redeemed per bill.

12. Can I claim a refund for unused vouchers?

    Unused voucher benefits expire and cannot be transferred by any way to the benefit of cardholder.

1. How many Points do I earn for spends on the Regaliagold Card?

   You will earn 5 points for every Rs. 150 spent on the Regaliagold Credit Card for all spends.

1. What is the Jockey India|Jockey India - SmartBuy Offer ("Offer")?

    

   1. a) The Offer is for customers who visit https://www.jockey.in/smartbuy?utm_source=smartbuy after being directed from HDFC Bank SmartBuy portal / mobile site / PWA and thereafter purchase products on - Jockey.in SmartBuy using their HDFC Bank Debit Card / Credit Card to avail 10X Reward points on HDFC Bank Infinia, Diners Card, Regalia, Diners Privilege card or 10 % platform cashback other HDFC Bank Credit & Debit cards respectively on eligible transactions. The cashback amount or rewards will be credited directly by HDFC bank to the eligible customers within 90 working days from the end of transaction month for the eligible transaction, subject to the terms and conditions as applicable on SmartBuy
   2. b) The transaction can happen on the https://www.jockey.in/smartbuy?utm_source=smartbuy desktop site, mobile website.
   3. c) Any cancelled or returned order(s) will not be eligible for the offer and the amount of such orders will be adjusted from the transaction amount for the purpose of the Offer. All HDFC smartbuy customers will be blocked from using the vouchers or gift card at the time of order placement.

    

2. How can I avail this offer?

   Visit Jockey India platform via HDFC Bank SmartBuy portal / mobile site / PWA, shop as usual and pay with your HDFC Bank Debit Card or Credit Card, PayZapp.

3. When and where will I get the cashback or reward points?

   Reward points or Cashback will be posted within 90 working days from the last date of transaction month. The eligible Reward point / cashback for credit card / debit card will be posted on respective card account. The eligible cashback for debit card transactions will be posted as cashback points.

4. What is the minimum transaction size for to be eligible for the cashback or rewards?

   There is no minimum or maximum value of the transaction.

5. Would I get cashback or rewards if I make a part payment using - HDFC Bank card?

   You would get cashback or rewards only on the amount charged on your HDFC Bank Debit Credit / Credit Card, PayZapp.

6. What is the maximum cash back that I can avail?

   Maximum of cashback that could be earned per month (on overall SmartBuy transaction) are Rs. 2000 on Regalia Credit Card, or Rs. 2000 on Diners Privilege Credit Card, or Rs. 1000 on other Credit/ Debit / Prepaid cards.

7. What are the maximum reward points that I can avail?

    

   HDFC Bank Card Type	Max. cap per calendar month	Max. per Day
   Infinia (Reward Points)	15,000	7,500
   Diners Black (Reward Points)	7,500	2,500
   Regalia & Diners Privilege (Reward Points)	4,000	2,000
   Other Credit Card (CashBack)	Rs. 1,000	NA
   Debit Card (CashBack)	Rs. 1,000	NA
   PayZapp wallet (CashBack)	Rs. 1,000	NA

8. Is the Offer applicable on all HDFC Bank Credit & Debit cards?

   a) Corporate Cards, Commercial Cards, Dealer Cards, Distributor Cards, Value Plus Cards, virtual cards, Jet Privilege world Debit card and Times Points Debit card are excluded from the promotion

    

   b) Diners Club Card customers cannot club the 10X benefit with any of the existing programs with the Diners

9. Can I avail cashback on credit card on EMI?

   No, the offer is not valid for EMI transactions.

10. Can I avail cashback on card payment for Cash on Delivery or Net Banking orders?

    No, the offer is not valid for Cash on Delivery or Net Banking orders.

11. Is the Offer applicable on purchase of all products?

    Yes, the cashback or rewards under this Offer is applicable on purchase of all products listed on https://www.jockey.in/smartbuy?utm_source=smartbuy

1. Jockey India takes care to procure, store and sell products of the best quality, in the best of conditions. We have partnered with multiple logistic provider in India, to ensure that all products reach you in the best of conditions.

2. However, in the rare event where you might have received a product which is slightly damaged (either functional or cosmetic or any damage incurred during transit) or a product which has a manufacturing defect, Jockey India will look into the matter on a case by case basis as per the website https://www.jockey.in/page/returns-&-exchange.

3. In such circumstances, before using the product, please get in touch with our Customer Service Team at wecare@jockeyindia.com or 1800-572-1299(Toll Free) / 1860-425-333 (Monday to Saturday, IST 10:00 AM to 7:00 PM) within 24 hours of receiving the product. Our customer service team will guide you on the process for the same.

4. Jockey India does not accept Returns for any other reasons apart from the scenarios mentioned above. The return process of the product can be restricted depending on the nature and category of the product and is subject to the conditions as mentioned in the website. https://www.jockey.in/page/returns-&-exchangehttps://www.jockey.in/faqs

   Shipping & Delivery Policy

1. Jockey India has partnered with multiple leading logistic provider in India, to ensure that all our products reach you in the best of conditions with no damages. We ensure using the best quality Packaging Material from reliable vendors and ensure thorough testing of package-worthiness before using them for shipping and delivery of our products.

2. In rare cases where you are not satisfied with the quality of the product delivered to you, we welcome you to drop an email to wecare@jockeyindia.com or 1800-572-1299(Toll Free) / 1860-425-333 (Monday to Saturday, IST 10:00 AM to 7:00 PM) where we’ll look into the issue and address it on a case by case basis.

3. Jockey India is not liable for any delay in delivery by the logistics partner and only guarantees to hand over the consignment to the courier company within 7 working days from the date of the order and payment. Delivery of all home delivery orders will be done to the Shipping Address mentioned while placing the order online and should reach you in a maximum of 7 to 14 business days.

1. Jockey India does not charge any separate Shipping Charges in addition to the price shown at the time of placing the order.

2. While we shall strive to ship all items in your order together, this may not always be possible due to product characteristics, or availability.

3. Please note all items (including gifts) will be shipped with an invoice mentioning the price, as per Indian Tax Regulations.

1. What is the offer?

   • 5X Reward Points or 5% Cashback when you shop on the MMT Holiday Packages website or M-lite via HDFC SmartBuy platform
   • Valid only on MMT Holiday Packages website or M Site
   • Valid only on visiting MMT Holiday Packages website or M Site by clicking on the MMT Holiday Packages on HDFC SmartBuy Homepage.
   • Offer not valid on HDFC Corporate Cards.

2. How can I avail of the offer?

   • The offer is available for all customers who visit the MMT Holiday Packages website or M-lite via HDFC SmartBuy only.
   • Offer is not valid if the customer does not complete the transaction at the MMT Holiday Packages website or M-lite after clicking the MMT Holiday Packages logo on HDFC SmartBuy.
   • Offer is not valid if the customer drops off and revisits the MMT HOLIDAY PACKAGES Website or M-lite directly.
   • Offer is not valid if a customer adds products to the cart on the MMT Holiday Packages website or M-lite after clicking the MMT Holiday Packages logo on HDFC SmartBuy but does not complete the transaction. If the customer revisits the MMT Holiday Packages website or M-lite to complete the transaction for products added to the cart during a previous visit through HDFC SmartBuy, the offer is not valid.

3. Can I place multiple orders and avail of the discount?

   • Yes

4. What happens in case of returns/cancellation of the order?

   • In case of any cancellations/returns (partial or in full), the order would not be eligible for any cashback/reward points under the HDFC SmartBuy offer

5. Can I use MMT HOLIDAY PACKAGES Gift cards and MMT HOLIDAY PACKAGES wallet along with the HDFC SmartBuy offer?

   • No. Only HDFC Credit / Debit Cards and PayZapp wallet can be used.

1. What is the background for Tokenisation on SmartBuy?

   As per the recent mandate on enhancing the security of cards issued by the RBI, taking effect from October 1st, 2022 (01.10.2022), customers will no longer be able to save their respective card details (Card Number/Expiry Date) for transacting via the “Saved Cards” option on SmartBuy for any category. However, the mandate enables customers to continue with the convenience of the “Saved Card” feature using tokenisation as a concept via the issuing bank/network’s (VISA logo | MasterCard logo | Diner’s logo) end.

2. What is Tokenisation?

   In simpler terms, it is an added measure of protection to secure your card from threats. In more technical terms, it is the process of replacing a customer’s Credit/Debit card number with a short, unique code, or "Token", which is individually catered to the combination of Customer, R360 and the HDFC Bank Card details.Once the “Token” is created, tokenised card details will be used in place of the actual card details to process all future transactions.

3. Why do I have to go through Tokenisation on SmartBuy?

   To adhere to both the customer’s convenience as well as the RBI mandate, Tokenisation has been implemented. Hereon, every HDFC Bank Debit/Credit Card requires tokenisation to be stored in the “Saved Card” feature. However, customers can continue transacting on Merchants via SmartBuy without using the “Saved Card” feature by manually inputting Card Details.

4. Is it Mandatory to Tokenise my Saved Cards on SmartBuy?

   Yes, it is. Unfortunately, you will not be able to use the ‘Saved Cards’ option for future transactions if your HDFC Bank Debit/Credit cards are not Tokenised on SmartBuy.

5. What are the steps for Tokenisation and Saving my Card?

   You can secure your HDFC Bank Debit / Credit Card by tokenizing in following scenarios:
   
   First Scenario: Tokenise a new card while doing travel transaction
   
   a).While transacting, you will have to choose the option of ‘Tokenise and Save’ and proceed to validate with your CVV & OTP.
   
   Second Scenario: Tokenise your saved card while doing travel transaction
   
   a).While transacting, you will have to choose the option of ‘Tokenise and Save’ and proceed to validate with your CVV & OTP.
   
   b).From 1st October 2022, saved cards not tokenized will no more be stored in the platform
   
   Third Scenario: Tokenise a saved card without doing a travel transaction
   
   a).Login to your SmartBuy account.
   
   b).Navigate on top right of the screen and click on ‘Manage Account’.
   
   c).Under Payments section, click on ‘Saved cards’ for payments.
   
   d).From the list of ‘Saved cards’ select the card and opt for ‘Tokenise and Save’ and proceed to validate with Rs. 2 with your CVV & OTP.
   
   e).This Penny drop verification is later reversed on the card account within T+7 working days.
   
   Fourth Scenario: Guest transaction without tokenisation
   
   a).While transacting, you opt not to select ‘Tokenise and Save’ and proceed without tokenising your transaction.
    

6. What are the benefits of Tokenisation?

   Customers can transact online securely as they no longer need to share HDFC Bank card details. Transactions will only be processed basis this unique token generated.Customers will no longer have to remember/enter the card details for each transaction.

1. What is SmartBuy Rewards Program?

   SmartBuy Rewards program is HDFC bank- wide loyalty program for all HDFC Bank customers. Being a part of this program means that you earn Reward points on your everyday banking activities, which you can then spend on exciting rewards (products & vouchers) spread across various categories.

2. How do I register for this program?

   You don’t need to register for SmartBuy Rewards program separately, your SmartBuy login will be used for this too. As long as you fulfill the eligibility criteria listed, you will be able to participate in the program. You can access the program by entering the first 9 digits and last 4 digits of card number, Bank registered mobile number and Date of Birth.

3. Are there any charges or fees to be a part of SmartBuy Rewards Program?

   No, there are no additional charges on SmartBuy Rewards Program. SmartBuy Rewards Program is a rewards program that is designed to reward your relationship and growth with HDFC Bank. Make the maximum use of it to enjoy some incredible rewards from our collection. Kindly contact HDFC Bank to know more about your reward points charges.

4. How do I change my bank login details?

   Please contact the bank for any changes to personal information related to your account.

5. What can I redeem points for?

   You can redeem your points via voucher only on the catalog (products and vouchers) listed on our SmartBuy Rewards Program. Customer can use the Rewad Points (RP) post the generation of the credit card statement.

6. How do I know the INR value of the item redeemed at Rewards?

   The Points value is displayed on the portal based on the Card Type. Please contact the bank to know the INR value of the items on the Rewards program. Alternatively, please refer to "Redeem Points" section in FAQ for more details.

7. How do I redeem the points to place an order?

   You may redeem the points in the form of voucher. To do this:
   
   Login to the SmartBuy rewards and add the product of your choice to cart.
   
   Required points to complete a transaction. You will be provided with an option to instantly generate a voucher for the required points to complete a transaction.
   
   The generated voucher code will be sent to your registered mobile number only.
   
   Enter the (valid) voucher code to complete the transaction and place the order.
   
   Currently RP will be used only for redemption towards specific items. When RP is redeemed, the code will be live for a period of 30 days.:
   
   In case of the customer not utilizing the code within the period, the system will cancel the voucher and refund the RP to credit card account. Customer can use the RP post the generation of the credit card statement.
   
   In case of RP available for redemption being lesser than available RP balance, system will inform customer for insufficient balance and not allow redemption.

8. What if I don’t have enough points to get rewards?

   You will be able to redeem products based on available points only. If you do not sufficient points, please select a different product that falls within the available points or visit us once you have sufficient points.

9. How can I redeem the points for redemption of products on the Rewards Program?

   After you add products to the cart, you will be provided with an option to generate voucher code for the points in the cart. The voucher code will be sent to your registered mobile number. Post entering the Voucher code, click ‘submit’ for the order to get processed.

10. How long is the generated voucher code valid?

    Your Voucher is valid for 30 days. If the Voucher code is not entered within 15 minutes the transaction page will expire.

11. How long are my points valid?

    Ideally, Points earned on a particular day will expire after two years. For eg: Points earned on 10th January 2018 will expire on 10th January 2020. However validity of points may vary depending on the Card you are holding. Kindly contact the bank for more information.

12.  

13. Can I redeem points for two items at a time?

    Yes, you can add more than one item to cart and make the redemption as long as you have sufficient points in your account.

14. Can I redeem points at merchant outlets and Stores?

    Kindly contact the bank to know more details with regards to other places where you can redeem the points.

15. Can I transfer my points to another HDFC card/Add-on cards?

    No, points cannot be pooled in from other HDFC bank Cards or Add-on cards.

16. I had sufficient point balance in my account why was my transaction declined?

    There could be many reasons why a transaction can fail or get decline. Please contact the customer support for more details (regaliagold.support@smartbuyoffers.co or 1800 118 887)

17. Transaction has failed at the time of redemption; however my SmartBuy Voucher points have been deducted? Why did this happen and when will it be reversed?

    A transaction may fail due to many reasons such as Product being out of stock at the time of redemption or due to technical glitches. Please note that all points debited on a failed transaction will be reversed after 24 hours. Please call customer support (regaliagold.support@smartbuyoffers.co or 1800 118 887) for any queries related to voucher reversal.

18. What is the cancellation policy?

    Orders placed and in progress cannot be cancelled.

19. Can I redeem the products using points and cash?

    No, redemption can be done only using points on the SmartBuy Rewards Program. However, you can redeem our other servies like Flight, Hotel and Experience Booking or recharge DTH using points + Card (partially through points redemption and balance through HDFC Bank Regaliagold Credit Card).

20. Where can I view my transaction history?

    You may track your orders by going to ‘Manage Orders’ tab on the site . Clicking on the order id will provide ifnormation on the status of your shipment.

21. Is my information secure and safe?

    Yes. HDFC bank follows the best security practices. Any information you enter when transacting with us is sent in an encrypted format to protect you against unintentional disclosure of information to third parties.

22. How do I know if my redemption is confirmed?

    You will receive an email confirmation on your redemption, which will contain your order details. If you have not received this notification within 1 hour from the time of booking, please call our customer support (regaliagold.support@smartbuyoffers.co or 1800 118 887) for assistance.

23. How do I cancel the order placed?

    Generally, orders once placed cannot be cancelled and is subjected HDFC bank and SmartBuy terms and conditions. Order in Approved or in dispatch status, cannot be cancelled. Please contact the customer support for more details, along with the OrderID and the date of redemption details.

1. How do I know if my booking was successful?

   Once your booking is confirmed you will receive an email confirmation with all the relevant details of the booking. If you have not received this notification within one hour of booking, please email our customer support for assistance. (Yatra: hotelsupport_hdfc@yatra.com).

2. Do I need to confirm my booking with the hotel once I have completed the booking process?

   No, you don’t need to. Please note that it may take upto 12 hours for the booking to reflect in the Hotel records.

3. I just completed the booking process and my account/card has been debited. I see a blank screen instead of the order confirmation page. How do I know my booking is confirmed?

   If your account/ card have got charged and you haven't received an email confirmation on the booking, please email the customer support for assistance, (Yatra : Drop a email on hotelsupport_hdfc@yatra.com ).

4. How do I cancel my hotel booking?

   You can cancel or modify hotel by emailing the partner customer support at below number.

    

   Partners	Post booking/ txn queries including modification & cancellations
   Yatra –Hotel	https://www.yatra.com/support or hotelsupport_hdfc@yatra.com

5. I just completed the booking process and my account/card has been debited. I see a blank screen instead of the order confirmation page. How do I know my booking is confirmed?

   If your account/ card have got charged and you haven't received an email confirmation on the booking, please email the customer support for assistance, (Yatra : Drop a email on hotelsupport_hdfc@yatra.com ).

6. What are the cancellation charges and by when do I need to cancel my hotel booking?

   The hotel cancellation and cancellation charges can be dynamic to each hotel - the time of cancellation and the time of your stay. Please note that while some hotels allow for free cancellation, others are non-refundable or have a penalty charges on cancellation. Please make sure you have read the room details, the cancellation charges and cancellation notification time at the time of booking. You may even reach to our partner customer support to assist you with your cancellation.

    

   Partners	Post booking/ txn queries including modification & cancellations
   Yatra –Hotel	https://www.yatra.com/support or hotelsupport_hdfc@yatra.com

7. How will I get my money back after cancelling a hotel booking?

   If the hotel you have booked entertains cancellation, the refund amount will be credited back into your account. We will credit the money back as to your HDFC card/ Account depending on the mode of transaction done. The time taken is up to 15 working days for the refund to reflect in your bank account.

8. I have not received an option to enter the GST details at the time of booking?

   Please note that certain booking are not eligible for GST invoice, in case of these services SmartBuy portal will not be collecting the GST details during the time of booking (The GST details section will be disabled during the booking ).

9. How do I modify a hotel booking?

   Modification (e.g. change of date) to bookings will be treated as cancellation and new booking. You’ll have to cancel your existing booking and make a new one. Any cancellation charges applicable needs to be confirmed with the hotel.

10.  
     
    Yatra FAQs
    Disclaimer - The Yatra FAQs information are hereby updated basis the latest update received from Yatra as of Jan 2022. Any FAQ information on the HDFC Bank/SmartBuy website (or the section thereof to which you will be directed) whether about the Merchant or the Products/Services being offered have not been verified by HDFC Bank. HDFC Bank shall not be liable or responsible for any such information.
     

11. What is the difference between a twin and double room?

    A "Twin Room" will have 2 separate beds which can be shared by two guests. A "Double Room" will have only one double (king size/ queen/ double) bed which can also be shared between 2 guests.

12. Can more than two adults stay in a single room?

    Most hotels allow additional guests to stay in a single room for an extra charge. However they might have restrictions on the maximum number of guests that are allowed per room. We suggest you call the hotel directly before booking.

13. Our children will be traveling with us – do they stay for free?

    While making your booking, please select the number of children travelling with you. The charges vary with the number of children and Adults for each hotel and also on the type of room selected within the Hotel.

14. How long will it take for the hotel to get my booking information?

    In most cases the hotel should receive the reservation information within 12 hours of the time you have made your booking (except for nights, weekends and other holidays when the hotel’s reservation department is closed). Please note that this doesn’t apply to bookings made for the same day. There are certain reservations that are booked out of an allotment. These rooms are guaranteed and must be paid for when you check out of the hotel. In some cases the hotel won’t have your name on the reservation until approximately 24 hours before you arrive.

15. Will the hotel hold my room if I’m arriving late?

    Since your reservation is guaranteed with a credit card or voucher payment the hotel is obliged to hold your room for the days you have booked with them.

16. What if I’m going to arrive early?

    If you know you’re going to arrive early at your hotel, contact the Hotel directly. But it’s ultimately subject to the terms and conditions and availability of rooms at the hotel to accommodate you for arriving early.

17. What are the check in and check out timings?

    The check in - check out timings are available for each hotel on the website. Every hotel has a specific check-out time (typically between 11 am and 1 pm). Please check with the hotel directly for the timings, if you plan to come early or check out late.

18. What do I need to bring to the hotel to check in?

    Please carry government issued ID proof (except PAN card) for all the guests in the booking. If the card holder in whose the name the booking was made is not part of your guest list please carry a signed photocopy of the identity proof of the card holder. Please note some hotels may have age restrictions.

19. Are there additional hotel taxes to pay?

    The final booking price for the rooms mentioned on the portal are inclusive of all taxes. However there may be additional charges in your final bill depending on any extra service that you may have received during your stay such as late check out, extra guests and other facilities.

20. Are there additional charges if I bring extra guests to the hotel at the last minute?

    Yes you may be charged extra for guest/s as they are not part of the originally booking. Please check with the Hotel for availability and charges.

21. Can I make special requests with my hotel room reservation?

    Yes, you can mention your special requests. Please note there may be additional charges by the Hotel depending on the type of request.

22. How do I find a hotel with particular amenities, such as a swimming pool, pet friendliness, or Internet access?

    Once you have selected the hotel of your choice simply click on the title of the hotel to know more about the Amenities, Terms and conditions, Policy and Tariff etc.related to the hotel. You also reach our partner customer support for more details.

     

    Partners	Post booking/ txn queries including modification & cancellations
    Yatra –Hotel	https://www.yatra.com/support or hotelsupport_hdfc@yatra.com

23. Can I make special requests with my hotel room reservation?

    Yes, you can mention your special requests. Please note there may be additional charges by the Hotel depending on the type of request.

1. How can I book my train tickets on SmartBuy ?

   Log in on SmartBuy using your SmartBuy account credentials and follow the steps below:
   
   • Enter source station, destination, date of journey and submit the information
   
   • Check the class of travel, click on the preferred train and check the seat availability for the proposed date(s).
   
   • Enter your IRCTC Authorised Partner user ID or create an IRCTC Authorised Partner account if you don’t have one already.
   
   • Submit the traveler’s details.
   
   •Make the payment
   
   • Once the payment is done, it is mandatory to enter the correct IRCTC Authorised Partner password to complete the booking successfully

2. What are the advantages of reserving a train seat on IRCTC Authorised Partner via SmartBuy?

   IRCTC Authorised Partner is responsible for powering the train reservation category on SmartBuy. The main advantages provided to customers are:
   
   - • Getting the best deals and offers for train reservations, as per the terms and condition of the promotions applicable at the time of booking.
   
   •The convenience of online booking
   
   •Trust worthy payment instruments from HDFC Bank
   
   •Huge range of filters to make your booking experience convenient.

3. How do I check the results for a different date or class?

   You can search for the following by clicking on the train name. The next screen will show the results for the next few days as well. Availability for other classes can also be checked on the same screen. If seats are not available for the preferred travel date(s), return to the home page and re-enter the preferred details, i.e. source, destination, date and class to search again.

4. How can I check my PNR status ?

   A PNR number is assigned to every ticket booked. Access your ticket’s confirmation status on the SmartBuy website.https://offers.smartbuy.hdfcbank.com/lite/train.

5. What are the different modes of payments accepted ?

   Only HDFC Bank Credit Cards, Debit Cards and Net banking are accepted for train ticket bookings.

6. What are SmartBuy PG charges ?

   These charges are levied by the bank directly as payment gateway charges to facilitate online payments. Such charges are applicable on online payments on all sites, including at IRCTC Authorised Partner.

7. Where can I find the applicable charges ?

   You can check the applicable charges on the review page. Please find below the additional charges applicable on SmartBuy:
   
   (a) IRCTC Authorised Partner Processing Charges - INR 15 for non-AC class and INR 30 for AC class (excluding GST)
   
   (b) SmartBuy Agent Charges - NIL charges for non-AC class and AC class (including GST)
   
   (c) SmartBuy PG charges - Dynamic
   
   a. Payment through Credit Card – 1% (excluding GST) for all HDFC Bank Domestic Credit Cards
   
   b. Payment through commercial and business credit card – 2.25% (Excluding GST)
   
   c. Payment through Debit Card – Nil up to Rs. 1 lakh for all HDFC Bank Domestic Debit Card
   
   d. Payment through NetBanking – Rs. 10/- (excluding GST)

8. I have booked a ticket for Rs. 200/- on IRCTC Authorised Partner with my Credit Card and separately via NetBanking, but have been charged extra on my card and account statement. Why?

   This is because PG charges would be applied additionally on your Credit Card over and above the transaction value. For example,

    

   Ticket Fare	Rs. 162/-
   Travel Insurance	Rs. 0.49/-
   Convenience Fee (IRCTC Authorised Partner Processing Charges)	Rs. 17.70/-
   SmartBuy Charges (Agent Charges)	NIL
   Net Amount	Rs. 180.19/-

   
   
   In this case, the payment gateway will charge an additional fee of 1%+GST on Rs. 180/- for HDFC Bank Domestic Credit Cards and Rs. 10/- + GST for NetBanking transactions. Please find the sample calculations provided below:
    

   	For all HDFC Bank Domestic Credit Card	For HDFC NetBanking
   Net Amount	Rs. 180.19/-	Rs. 180.19/-
   PG Charges	Rs. 1.80/-	Rs. 10/-
   GST	Rs. 0.32/-	Rs. 1.80/-
   Total Amount	Rs. 182.31/-	Rs. 191.99/-

9. I filled in and submitted my payment details while booking a ticket and then nothing happened/ the website did not respond/I could not proceed with the booking. What do I do?

   We suggest checking with your bank if the payment has been deducted from your account/charged to your card. In case the amount has been deducted or charged to your account, we will automatically refund the full amount and the same will reflect in your account/card statement within 10 to 15 working days. If you do not receive the refund, you may reach to our customer support number at 1860 425 1188,or email us at support@smartbuyoffers.co.

10. I am not able to file a TDR and opt for the Vikalp option. Why?

    You can file your TDR or opt for Vikalp post your booking under My Profile.
    Please go to My Profile > My Orders / Bookings > View Details. In case you are not able to proceed with filing your TDR, then please send an email to etickets@irctc.co.in , from your registered email ID stating the reason for filing the TDR. IRCTC will file TDR on your behalf. TDR filing request received except on “etickets@irctc.co.in” e-mail ID will not be entertained. For any assistance, kindly reach out to our concierge.

11. Can I use PNRs to search for train bookings made outside of the SmartBuy portal?

    Unforatunately, you cannot search for train bookings made outside of the SmartBuy portal. However, the information for train bookings made on SmartBuy will be available on IRCTC Authorised Partner so you may use your PNR to search/confirm the reservation. Please note that the PNR of a ticket booked outside of the SmartBuy portal cannot be searched for under the “missing” status.

12. What are the different time periods during which train booking is not allowed in SmartBuy?

    Train functionality on SmartBuy will not be functional between 11:45 PM to 00:15 AM due to system downtime from the Railways' end. Also note that passengers will not be able to book non-tatkal tickets between 8:00 AM to 8:30 AM for general classes (for Advance Reservation Period tickets, once the booking opens – 120 days), 10:00 AM to 10:30 AM for Tatkal AC classes, and 11:00 AM to 11:30 AM for Tatkal non-AC classes.

13. What are the different time periods during which train booking is not allowed in SmartBuy?

    Train functionality on SmartBuy will not be functional between 11:45 PM to 00:15 AM due to system downtime from the Railways' end. Also note that passengers will not be able to book non-tatkal tickets between 8:00 AM to 8:30 AM for general classes (for Advance Reservation Period tickets, once the booking opens – 120 days), 10:00 AM to 10:30 AM for Tatkal AC classes, and 11:00 AM to 11:30 AM for Tatkal non-AC classes.

14. How can I cancel my train ticket ?

    Please follow the steps below to cancel a train ticket booked on SmartBuy:
    
    - Login to your SmartBuy account - Locate your booking under Manage account >’Trains Transaction History’.
    
    - Select the passenger name whose ticket is to be cancelled - Click on ‘Cancel’.
    
    - The cancellation will be confirmed online and the refund amount would be refunded to your source account.

15. Which tickets can I cancel myself?

    You can cancel any type of ticket online on SmartBuy any time before the chart preparation. Post chart preparation, you can file a TDR to request a cancellation. (Refer TDR Conditions).

16. I have booked a train tickets for 6 travelers, but would like to cancel 2. Is it possible?

    Yes, you can cancel the ticket partially on SmartBuy.

17. Can I cancel an e-ticket offline, at the railway reservation counter ?

    Unfortunately, cancelling an e-ticket is only possible online. Login to SmartBuy and access the “My Order” section to cancel your booking.

18. Can I cancel my ticket on the IRCTC Authorised Partner website ?

    Unfortunately, an e-ticket can only be cancelled on the SmartBuy portal. Login to SmartBuy and access the “My Order” section to cancel your booking.

19. Can I cancel a ticket booked under the Tatkal quota ?

    Yes, the ticket booked under the Tatkal quota can be cancelled on SmartBuy. Please click the link below to review the cancellation charges - http://www.indianrail.gov.in/enquiry/StaticPages/StaticEnquiry.jsp?StaticPage=refund_Rules.html&locale=en.

20. Can I cancel my train ticket after the train departs?

    Unfortunately, an e-ticket cannot be cancelled after the departure of the train. However, you can file the TDR request online.

21. Can I cancel my train ticket after the chart preparation ?

    Unfortunately, an e-ticket cannot be cancelled after the departure of the train. However, you can file the TDR request online. To receive details on TDR rules/policies, click on the "TDR Policies" link below: http://www.indianrail.gov.in/enquiry/StaticPages/StaticEnquiry.jsp?StaticPage=refund_Rules.html&locale=en.

22. Why is the cancellation facility for IRCTC Authorised Partner not available after 11:45 PM?

    IRCTC Authorised Partner does not allow any transaction to take place between 11:45 PM to 12:15 AM IST. Reservation systems remain open for transactions between 12:15 AM to 11:45 PM IST. Please keep in mind you cannot cancel your booking from 11:45 PM- 12:15 AM IST. However, you can search for trains.

23. Why can’t I create a new user ID or change/reset my password with regards to rail booking at 4 PM ?

    IRCTC Authorised Partner does not allow any user related activity (including, but not limited to) New User Creation, Change/Reset IRCTC Authorised Partner password, etc. between 4:45 PM to 5:45 PM IST. However, you can check search for trains, book a ticket or cancel a ticket during this time.

24. 
    
    
    IRCTC Authorised Partner FAQs
    
    Disclaimer - - The IRCTC Authorised Partner FAQs information are hereby updated basis the latest update received from IRCTC Authorised Partner as on 11th December, 2019. Any FAQ information on the HDFC Bank/SmartBuy website (or the section thereof to which you will be directed) regarding the Merchant or Products/Services offered have not been verified by HDFC Bank. HDFC Bank shall not be held liable or responsible for the information given.

23. What is the maximum number of people I can book seats for in a single train ticket booking?

    You can book tickets for up to 6 people during a single booking. For tatkal tickets, the maximum number of reservations is 4 per booking. Two children below the age of 5 are allowed per booking, but they will not be ticketed. The details of these travelers are also to be specified while booking, though the information will not be explicitly mentioned in the tickets.

24. Are children charged for train tickets?

    Children below the age of 5 are exempted from tickets in Indian Railways. Children between 5-12 years need to compulsorily obtain a train ticket with 50% discount to reserve a seat that does not include the berth. If you need a berth seat for your child (between 5-12 years), the full amount will need to be paid.

25. Is there any concession for booking train tickets for senior citizens?

    As per the rules set by Indian Railways (IRCTC Authorised Partner), male senior citizens (minimum 60 years) and female senior citizens (minimum 58 years) are granted Senior Citizen concessions for fares across all classes for Mail / Express / Rajdhani / Shatabdi / Jan-Shatabdi / Duronto trains. The element of concession is 40% for men and 50% for women. An option will be available to select senior citizen concession in the traveler’s details section. Please note that no concessional tickets are permitted for Garib Rath, Gatimaan, Vande Bharat, Suvidha and Humsafar Train/Quota/Class

26. Can I avail a senior citizen discount on my tatkal booking?

    Unfortunately, senior citizen discounts are not applicable on tatkal bookings.

27. I have entered the incorrect age for one of the passengers while booking. Can I change the age now?

    Unfortunately, the age of the traveler cannot be altered as per Indian railway rules post ticket booking.

28. What is the concession criteria ?

    Indian Railways’ Rules and Regulations decides the Concession Rules for Senior citizen’s. Please refer to the document attached for more details: http://contents.irctc.co.in/en/UserGuideforPHConcessions.html

29. What are the Tatkal booking guidelines ?

    The Advance Reservation Period (ARP) of the Tatkal scheme is one day, excluding the date of departure from the train originating station. A maximum of four passengers per PNR can be booked for Tatkal e-tickets.
    
    • Once the Ticket Reservation page opens, check whether the Train and Station’s name, Date of journey, Class, Quota, Boarding Point etc. visible on the top of the page match your requirements.
    
    • Enter the name, age, sex, and berth preference of the passenger(s). The maximum length of name should be limited to 15 characters.
    
    • Senior citizen concessions are not allowed for the Tatkal Quota
    
    • The booking for Tatkal Non-AC opens at 11:00 AM on the IRCTC Authorised Partner platform, and opens at 11:50 AM on the SmartBuy platform.
    
    • The booking for Tatkal AC opens at 10:00 AM on the IRCTC Authorised Partner platform, and opens at 10:50 AM on the SmartBuy platform.
    
    For more details, you can also refer to http://contents.irctc.co.in/en/TatkalBooking.html.

30. Which ID can I use as proof while traveling in the train?

    Please carry atleast one form of government issued ID proof. The following are accepted by IRCTC Authorised Partner:
    
    • Passport
    
    • Aadhar Card
    
    • Driving license
    
    • PAN card
    
    • Voter’s ID card
    
    • Photo ID card issued government to their employees
    
    • Student ID card with photograph issued by recognized School/College For Non-Indians, their Country's Passport will constitute as the sole authorized ID. Ration cards will be accepted as proof of identity for undertaking a journey under the Tatkal scheme only if the passenger who is travelling has a photograph attached to the ration card. Passengers not carrying a valid photo ID (original ID) will be treated as travelling without a ticket and shall be dealt with as per extant Railway Rules.
    Passengers not carrying a valid photo Id (original ID) will be treated as travelling without ticket and shall be dealt with as per extant Railway Rules.

31. What is the concession criteria ?

    Indian Railways’ Rules and Regulations decides the Concession Rules for Senior citizen’s. Please refer to the document attached for more details: http://contents.irctc.co.in/en/UserGuideforPHConcessions.html

32. Can I carry the photocopy of the required identity proofs ?

    Although you could carry a photocopy as back-up, it is necessary to carry the valid original identity as proof during the journey. As per extant railway rules, you may be denied to board by the TTE in case you are unable to produce the original ID proof.

33. What is the Flexi fare charge option in IRCTC Authorised Partner ?

    The flexi fare system is applicable for the Rajdhani, Duronto and Shatabdi. The base fares will increase by 10 percent with every 10 percent of berths sold subject to a prescribed ceiling limit. There will be no change in the existing fare for 1AC and EC class of travel. Other supplementary charges (reservations, superfast, catering and service taxes) will be levied separately.
    
    What to keep in mind:
    
    • Base fares will increase by 10% with every 10% of berths sold subject to a prescribed ceiling limit.
    
    • There will be no change in the existing fare for 1AC and EC class of travel.
    
    • No Premium Tatkal Quota provided for these trains.
    
    • Tatkal will be available at 150% of base fare. However, no additional charges as “Tatkal charges” will be levied.

34. What is TDR (IRCTC Authorised Partner / Indian Railways Refund)?

    TDR (Ticket Deposit Receipt) is the process of claiming a refund for the booked ticket from Indian Railways (IRCTC Authorised Partner).

35. Rules of Refund and TDR filing:
    Please refer to the link attached : http://contents.irctc.co.in/en/REFUND%20RULES%20wef%2012-Nov-15.pdf.

36. What happens if the train is cancelled on the Railway’s end?

    In this scenario, a full refund will be automatically initiated and will appear in your bank account within 10-15 working days, subject to receipt of refund from Indian Railways. You can file an online TDR request for the same within the stipulated timelines to claim the refund.

37. How long does it take to get IRCTC Authorised Partner TDR refund?

    The TDR Refund will be processed as per Extant Railway Rules. Please note that the TDR should be filed as per the guidelines. To know more, please refer to the link attached: http://contents.irctc.co.in/en/REFUND%20RULES%20wef%2012-Nov-15.pdf

38. What is CR registered status in IRCTC Authorised Partner TDR?

    The acronym 'CR' stands for "Claim Refund," wherein you can obtain a refund for the ticket purchased if you have not boarded the train. You could also check on the TDR status from time to time. If the status reads “Admin Approved,” your case is eligible for a refund as approved by the IRCTC Authorised Partner Corporate/IRCTC Authorised Partner Zonal Office.

39. How much would be refunded if the passenger has not travelled or boarded the train, under the TDR refund scheme?

    The refunded amount would vary depending on the reason you have filed for TDR. Below is a list of examples as well as the refund amounts:
    
    If you have filed a TDR for the reason "Train later than 3 hours and passenger not travelled," the full refund of reservation cost will reflect within 60 days.
    
    If you have filed a TDR for the reason "Ticket converted from wait list to RAC and passenger unable to travel," the full refund will reflect within 60 days.
    
    If you have filed a TDR for the reason "AC not working properly," which is provided by the TTE in the train, it may take up to 1 year to receive a confirmation or rejection of a refund amount. Essentially, your TDR application requires the approval of the zonal manager and the timeline for a reply will differ depending on your reason. Do keep in mind that, in some cases, TDR’s can be rejected as well.

40. Can I choose my own seat/berth or coach ?

    Unfortunately, Indian Railways (IRCTC Authorised Partner) does not allow for a passenger to book a seat/berth based on their own preference. However, you can certainly request your preference for a seat/berth, but do keep in mind that the same cannot be guaranteed.

41. What is the latest I can reserve a train ticket before it departs?

    A train ticket can be booked up to 4 hours before the train’s scheduled departure time, or before the chart preparation for the journey is set.

42. What is Travel Insurance and can it be booked via SmartBuy ?

    Travel Insurance is a contingency plan that is designed to pay for unexpected costs that may arise while travelling, such as emergency hospital/medical costs, trip cancellations, lost baggage and accidental death insurance, and is a service that is provided by SmartBuy. You can opt for travel insurance while creating a fresh booking on SmartBuy. Please note that Rs. 0.49/- will be applicable per person and not per booking. This amount will be added as an addition to your ticket fare. IRCTC Authorised Partner will provide the insurance details to the mobile number/email address entered while booking the ticket.

43. Why is the fare different on the booking page versus the search results page?

    The price on the search page excludes the charges listed below. However, the following will be reflected in the price listed on the booking page:
    
    (a) IRCTC Authorised Partner Processing Charges - INR 15/- (non-AC classes)/INR 30/- (AC classes), excluding GST
    
    (b) SmartBuy Agent Charges – NIL (non-AC/ AC classes), including GST
    
    (c) SmartBuy PG charges - Dynamic
    
    a. Payment through Credit Card – 1% (excluding GST) for all HDFC Bank Domestic credit cards
    
    b. Payment through Debit Card – INR 0/- to INR 1 lakh/- for all HDFC Bank Domestic Debit Cards
    
    c. Payment through NetBanking – INR 10/- (excluding GST) Please note that the above charges are non-refundable.

44. Do I get a copy of my e-ticket in my inbox?

    Absolutely! A copy of your ticket will be sent to the email registered while booking the ticket.

45. How can I reconfirm my train departure time?

    You can confirm your scheduled departure time by calling 139 from your landline or mobile number. We would advise that you reconfirm your train timings 12 hours prior to your train departure. Please note that SmartBuy is not responsible for any schedule change by the Indian Railways.

46. I am unable to book a ticket at 8:00 AM for reservations made available today morning?

    Indian Railways (IRCTC Authorised Partner) does not allow for any ticket reservations opened at 8:00 AM to be booked on the SmartBuy platform until 8:50 AM. Please try to search/book a seat after 8:50 AM. Please note that this is applicable only for trains/dates/tickets opened at 8:00 AM IST.

47. How will I know if my ticket has been confirmed or rejected if I am on the Waitlist or RAC?

    You can confirm your status on SmartBuy’s Train section anytime by entering your PNR number in the section “PNR status.”

48. Who is authorized to board a train?

    Only passengers with Confirmed PNR’s are authorized to board the train. Please note that only passengers with confirmed seats will be allowed to travel in case of Partially Waitlisted/Confirmed status.

49. What happens to my waitlisted ticket after the chart preparation?

    After the chart preparation, your waitlist ticket may change to the following statuses:
    
    • Confirmed- Your ticket status may change from Waitlist to fully confirmed.
    
    • Partially Waitlisted/Confirmed/RAC- Your ticket status may change into partially WL/confirmed, wherein the status for some passengers will show as waitlisted and others as confirmed/RAC.
    
    • Fully waitlisted ticket- Your ticket status after chart preparation may remain fully waitlisted.

50. If I have a partially confirmed ticket, (some passengers confirmed and some waitlisted) will the waitlisted passengers get a seat/berth ?

    In this particular scenario, the waitlisted passengers will not get a seat/berth. However, if the TTE permits, the waitlisted passengers may share the seat with the passengers confirmed under the same ticket.

51. If my ticket remains Fully Waitlisted after the chart preparation and I am not allowed to board the train, will I be refunded?

    If your ticket remains fully waitlisted after the chart preparation time, your ticket will be automatically cancelled, and you will be refunded within 5-7 business working days from the date refund is received from the IRCTC. To know more on deductions in case of Waitlist cancellations, click the link below http://www.indianrail.gov.in/enquiry/StaticPages/StaticEnquiry.jsp?StaticPage=refund_Rules.html&locale=en.

52. How will I know if I have been allotted a seat/berth under RAC ?

    If, after chart preparation, the ticket status remains RAC, the status will appear as R, followed by coach name and berth number. For example, a confirmed RAC ticket status will appear as RS7 20, S7 being the coach and 20 being the berth number 20. In short, the RAC status for seat/berth number will be prefixed by R.

53. I have completed the payment and have been redirected to the IRCTC Authorised Partner password input page but was unable to complete authentication. What will happen to my train booking status?

    In this case, your train booking order will not be processed. The debited amount will be refunded and initiated within 3 working days.

54. What is NOSB?

    The acronym “NOSB” Stands for “No Seat Berth.” No seats/berths will be provided for children between the ages of 5-11 on a confirmed train ticket and half fare will be collected as per the IRCTC Authorised Partner rules. Please refer to Q.47 to clarify the following doubt.

55. Are there any service charges for commercial and business cards ?

    Yes, IRCTC levy 2.25% + GST as service charges for commercial and business card customers. Whereas, for other Credit cards it is 1% + GST.