Welcome to SmartBuy!

Membership Kit

The website https://offers.smartbuy.hdfcbank.com/regalia_gold is powered and maintained by Reward360 on behalf of HDFC Bank, a company incorporated and existing in accordance with the laws of India. The following terms and conditions apply to all visitors or users of this Web site. Please read these Site Terms and Conditions carefully before using this website. By accessing or using this website you explicitly agree to comply with and be bound by these Site Terms and Conditions. When you access any of the sub-Site (whether belonging to an ‘associate’ of Company or otherwise) through this Site, then the sub-Site may have its own terms and conditions, which are specific to such sub-Site.

These Terms and Conditions of use and any additional terms posted on this site together constitute the entire agreement between Company and you with respect to your use of this site.

This site is only for your personal use. All materials provided on this web site, including but not limited to all text, logos, designs, service marks, trademarks, graphics, images, sounds, information, software, documents, downloads of any kind, products and services and the selection, arrangement and display thereof, are the copyrighted works of Reward360 and/ or its partner/HDFC Bank. You shall not distribute exchange, modify, sell or transmit anything you copy from this Site for any business, commercial or public purpose. Any unauthorized use of the content may violate copyright laws, trademark laws, the laws of privacy and publicity and civil and criminal statutes.

HDFC Bank/ Reward360 may add, modify or remove any part of these Terms and Conditions of Use at any time as it may deem fit, with notice to HDFC Bank. Any changes to these Terms and Conditions of Use or any terms posted on this site apply as soon as they are posted. By continuing to use this site after any changes are posted, you are indicating your acceptance of those changes.

HDFC Bank/ Reward360 may add, change, discontinue, remove or suspend any other content posted on this site, including features and specifications of products or services described or depicted on the site, temporarily or permanently, at any time, without notice and without liability.

HDFC Bank/ Reward360 reserves the right to undertake all necessary steps to ensure that the security, safety and integrity of Company's systems as well as its clients and users interests are and remain, well-protected. Towards this end, Reward360 may take various steps to verify and confirm the authenticity, enforceability and validity of orders placed by you.

HDFC Bank/Reward360 has the authority to revoke any duplicate refund basis reconciliation.

Travelling to certain destinations may involve risk, wherein the cost and consequences are at your own risk and HDFC Bank/ Reward360 is not liable to damages, losses or delays that may result from improper documents for entry, exit, duration of the stay, or from travel to such destinations.

Cancellation Policy

SmartBuy will process the ticket cancellation request from You as per the cancellation/refund policy of IRCTC Authorised Partner. The cancellation fee and the period taken to process the refund will differ, for details please refer to the IRCTC Authorised Partner cancellation policy.

HDFC Bank/ SmartBuy will not be responsible for any change in IRCTC Authorised Partner cancellation policy.

How does the customer cancel a ticket ?

You can cancel your ticket (partial & full ticket), booked through website (https://offers.smartbuy.hdfcbank.com), Online through “My Orders” in “Trains Transaction History” section after login. Cancellation is subject to IRCTC Authorised Partner cancellation policy.

Alternatively, you can call our customer support at 18604251188 / 9986896688 or email support@smartbuyoffers.co for all cancellation related queries.

Refund Policy

Customer will be entitled to get refund of ticket fare, as per IRCTC Authorised Partner policy. Customer will not be entitled to refund for cancellation of tickets for any other reasons.

In the event of dishonour of ticket by IRCTC Authorised Partner/IRCTC Authorised Partner representative, The refund shall be processed in 30 working days, subject to refund receipt from the partner IRCTC Authorised Partner and may be subject to SmartBuy cancellation charges, other non-refundable charges and discount availed at the time of booking.

Modification Policy

SmartBuy does not support modification of train tickets.

TRAIN TERMS & CONDITIONS

1. You acknowledge that SmartBuy neither acts as a marketplace facilitating booking of railways tickets and therefore, neither influence nor controls the scheduling/rescheduling, cancellations or other changes to the delivery timelines or other related aspects of the railway tickets on offer. SmartBuy, not being last-mile service provider, shall not be deemed responsible/liable for any delay, inaccuracy, schedule change, update, cancellation, lack or deficiency of services provided by the railways.

2. Meal and berth preferences are available however final confirmation is upto IRCTC Authorised Partner.

3. For information on luggage policies you are requested to check latest Railways baggage, animals or item carriage policies available at http://www.indianrailways.gov.in/.

4. Only e-tickets can be booked through SmartBuy. We do not support Paper tickets.

5. You can book a maximum of 6 seats/berths and 2 child (below 5 years) in a general quota train booking.

6. You can book a maximum of 4 seats/berths and 2 child (below 5 years) in a Tatkal quota train booking.

7. Travelers can check Railways policies related to Suvidha trains through this link http://contents.irctc.co.in/en/Suvidha.pdf.

8. Seat upgradation is based on railways policies for more information please visit https://www.irctc.co.in/eticketing/loginHome.jsf.

9. Photo Id proofs accepted by Railways are as follows, passengers not carrying a valid Id's may get denied boarding the train or may be asked to de-board at any station by concerned railway authorities :-

1. Valid Passport

2. Voter photo identity card

3. Driving License issued by RTO

4. Pan Card

5. Photo Identity card having serial number issued by Central / State Government

6. Student Identity Card with photograph issued by recognized School/College for their students

7. Aadhaar card

8. Photo identity cards having serial number issued by public sector Undertakings of State/Central Government, District Administrations, Municipal bodies and Panchayat Administrations

9. For Non-Indians, their Country's Passport will constitute sole authorized ID

10. Ration card will be accepted as proof of identity for undertaking journey under Tatkal scheme only if the passenger whose photograph is available on the ration card is travelling

10. Seat/berth allotment is done by Railways based on their allocation logic after booking confirmation, Company does not guarantee allotment of preferred seat/berth.

11. Components of the fare are described below

1. Base Fare

2. Reservation Charges by railways

3. Superfast Charges (if applicable)

4. Any other charges, as specified by Railways

5. Any Concession/Discounts (if applicable)

6. Tatkal Charges (where ever applicable)

7. IRCTC Authorised Partner Service Charges

8. SmartBuy handling Charges

9. SmartBuy Payment Gateway Charges

12. Prices listed on the final summary page is inclusive of all applicable taxes and fees

13. SmartBuy, though makes an effort to keep latest railways terms and conditions visible on our platform but cannot be held accountable in case of any changes to the terms and conditions. Travelers are advised to keep a check of latest railways TnC's by visiting https://www.services.irctc.co.in/beta_htmls/term.html.

14. Railways may offer special concessions/discounts for senior citizens, female passengers and children, the amount or extent of concession is not decided by SmartBuy, all customers are advised to check latest railways policies for active/applicable discounts.

15. Train functionality on Site will not be functional between 11:45 PM to 00:15 AM due to system downtime at Railways' end. Also, passengers will not be able to book non tatkal tickets between 8 am to 8.15 am for general classes, from 10 am to 10.15 am for Tatkal AC classes, and from 11 am to 11.15 am for Tatkal non-AC classes.

16. Passengers are required to remember their IRCTC Authorised Partner user name and password in order to book trains on SmartBuy, If a passenger doesn't remember their IRCTC Authorised Partner password after payment is made, refund will be initiated automatically.

17. Travelers must carry their e ticket at the boarding, failing which Railways authorities may charge applicable fees for issuing a copy of ticket.

18. To read information on optional insurance policies, please visit http://contents.irctc.co.in/en/InsuranceTermCondition.pdf.

19. Passengers can check Railways rules for cancellations, refunds and TDR through this http://contents.irctc.co.in/en/REFUND RULES wef 12-Nov-15.pdf.

20. Change in boarding point and name of passenger are not supported by the Site and customers are required to take the print out of the issued eticket to nearest railway reservation counter along with the photo identity proof mentioned in the e-ticket. For complete information on ticket amendments please read https://www.services.irctc.co.in/beta_htmls/Eticket_new_cancel.html.

21. IRCTC Authorised Partner service charge, SmartBuy handling charge and Payment gateway charges are non-refundable. Bookings can only be cancelled through the SmartBuy website. https://offers.smartbuy.hdfcbank.com

22. Passengers with a confirmed e-ticket are permitted to board the train. Their names will appear on the boarding chart. Final booking status such as confirmed/RAC with the names of passengers will appear on the boarding chart. Waitlisted bookings/PNR's will not be listed on the boarding chart, existing railways rules will apply if fully waitlisted travelers are found traveling.

23. The bookings made on SmartBuy website is subject to cancellation charges levied by the Indian Railways. It may vary depending on the cancellation time and booking quota (tatkal/general/ladies/premium).

24. Railways automatically cancels the fully waitlisted e-tickets after chart preparation. The refund in such cases gets automatically credited to your bank account used for booking such tickets after deduction of SmartBuy handling charges, any other non-refundable charges and discount/ coupon, if any available at the time to booking.

25. SmartBuy offers below functionality to customers:

1. Book trains - Travelers can search and book trains

2. PNR status - Updated PNR status such as waitlisted, confirmed, RAC etc. can be viewed on SmartBuy using Check PNR tab in Train category landing page.

3. Cancel ticket – Travelers can cancel ticket online (full and partial ticket cancellation supported)

Losses:

HDFC Bank/ SmartBuy will not be responsible for any loss (including loss of profits, revenue, contracts, anticipated savings, data, goodwill or wasted expenditure) and any other indirect or consequential loss to You when You commenced using the Website.

Cancellation and Modification charges:

For all flight modifications and ticket cancellations, the modification and cancellation charges are applied per sector per passenger. Please note that these charges are subject to change by the Airline and its service provider, at its sole discretion.

If you are contacting the airlines directly with regards to the modification you are liable to pay the additional price difference directly to the airlines and HDFC Bank/ Reward360 is not liable for modification changes done to your order or online updates of the order in your account.

Please note that the convenience fee levied during transaction during flight booking on SmartBuy is non-refundable if the booking is cancelled.

If you are contacting the airlines directly for Cancellation you are still liable to call the HDFC bank SmartBuy customer support to process your refund. Please inform the customer support team within 24 hours from the time of cancellation.

Cancellation and Modification Policy:

Every hotel has a different cancellation and modification policy and the user shall be charged according to the Hotel/Room cancellation or modification policy. Please note that these charges are subject to change by the hotel and its service provider, at its sole discretion and without notice to Company. The charges may be verified with the hotel and their service provider by the User.

For any hotel/ room modification, you must contact the designated customer support team and/ or the hotel directly. And the request will be entertained as per the booking terms and any modification charge has to be borne by the customer.

Only those cancellation requests which are made on the phone to designated cust omer support team shall be entertained. Please note that if you are contacting the Hotel directly for cancellation you are still liable to inform the HDFC Bank SmartBuy call center support team to process the refund.

HDFC Bank/ Reward360 shall not be liable to entertain any cancellation requests made directly to the hotel without intimating HDFC Bank and also through any other medium including, but not limited to, SMS or e-mail.

1. PWA on iOS is only supported when using the mobile Safari browser. Not compatible with any other browsers such as Chrome, Firefox etc., on an iOS device.

2. Web push notifications are not supported on iOS.

3. PWA on iOS is supported on iOS version 11.3+ .

1. Generic Terms and Conditions

Redemption on SmartBuy Rewards is subject to:
HDFC Bank voucher approval and terms & conditions as relevant to the SmartBuy Rewards Store Availability of the reward at the time of order fulfilment

2. SmartBuy Reward

Whenever deemed necessary, SmartBuy may, without notice, cancel the Rewards order or substitute the reward with another, of comparable nature and value.

SmartBuy reserves the right to introduce new products and replace the existing ones at any point in time without prior intimation to the member.

Only customers having active HDFC Bank account can request for redemption of Vouchers.

Other HDFC Bank benefits, which are activated by use of the HDFC Bank Rewards, do not apply to goods or services received as rewards under the SmartBuy Reward Program.

SmartBuy may suspend redemption of Vouchers where the HDFC Bank Credit Card account is not in good standing or for any other reason deemed suspicious to the Bank.

SmartBuy reserves the right at any time, without prior notice, to add / alter / modify / change or vary all terms & conditions or to replace wholly, or in part, the Offer by other offers, whether similar to this facility or not, or to withdraw it altogether.

3. SmartBuy Voucher

The SmartBuy Vouchers can only be redeemed by the primary relationship-holder, and not by an additional account holder.

The Vouchers cannot be exchanged for cash or credit or be used to obtain cash advances, or be used against payment for any charges incurred in the SmartBuy Rewards Relationship.

All unused Vouchers will be reversed back as points to customer account within stipulated time period and cannot be exchanged for cash /credit under any circumstances.

SmartBuy Vouchers will be delivered to your bank registered mobile number only. Onus to update the mobile number or any other information related to user profile with HDFC Bank lies with the customer. Any updates to the mobile number and Email id has to be done directly with the bank. SmartBuy at any point of time cannot be held for change in user profile.

Onus to provide the correct delivery Address for order fulfilment on SmartBuy Rewards, lies with the customer. Neither SmartBuy nor HDFC Bank can be held responsible for any incorrect/invalid address provided by the customer which can result in non-delivery /delay on order fulfilment.

4. Rewards

Mode of Payment

i. Currently all products in the Reward Store can be redeemed using Voucher only.

ii. Currently no cash payment is accepted for redemption of Reward products and Gifts Vouchers on the “Rewards” Store.

The below terms and Conditions are applicable with respect to “Rewards” Store.

The product list and catalogue is subject to change and will be updated on SmartBuy Rewards website from time to time.

Product related terms & conditions shall be set forth in the Rewards on the website and in the Rewards issued to the user.

SmartBuy Rewards makes no warranties or representations either expressed or implied, with regard to the type, quality or fitness of the Rewards provided through the SmartBuy Rewards Program. Gifts will be accompanied by warranty information wherever applicable from the manufacturer and claims must be directed to the manufacturers directly.

Delivery of Rewards redeemed from ‘Rewards” Store

All Physical Rewards will be dispatched to the bank registered address only. Please contact the bank if you wish to change the address. In case of e-Gift Voucher, it will be sent on the email id provided during redemption. Please be noted that this does not change the customer profile/ registered details with HDFC Bank. No dispatch shall be made to P.O. Box addresses or to addresses outside India.

All other products including multiple reward redemptions will be delivered in 5-7 working days. SmartBuy Rewards be not held responsible for delay in delivery for reasons beyond our control, such as strikes, natural calamities etc.

Products couriered through Speed Post will be delivered in 21 working days. Delivery via speed post might take additional days depending on the remoteness of the address.

SmartBuy Rewards reserves right to cancel the orders redeemed due to stock/ product non availability and other reasons that might affect the product delivery.

If the customer’s points balance is not sufficient during settlement, then the excess amount will be debited from the customer’s card/ account

5. For all Queries related to Rewards fulfilment please call 1860 425 3322. Please note all Email queries will be responded within 24 working hrs, subject to severity.

6. The Courier company shall make three attempts to deliver the gift/reward ordered to the registered address. If the Reward is not delivered after three attempts, the redemption order stands cancelled and the SmartBuy Vouchers shall be credited back to customer account as per due process.

7. If a gift/reward received is damaged, and

i. If the damage is evident from the condition of the packaging, the member should refuse to accept the shipment and obtain a refusal note from the courier company and inform the customer care center within 7 days of receipt t of the gift.

ii. If the damage is discovered after opening the package, the member should keep all packaging materials and cartons intact and call customer service centre for assistance to return the product. If the returned goods are found by to be defective post investigation /not comply with the description in the SmartBuy Rewards Catalogue, Reward360 shall endeavour to procure replacements for the items / shall credit the SmartBuy Voucher value as points back to the member’s account. The member shall thereafter have no claim whatsoever against Reward360/HDFC Bank

iii. In case of receipt of damaged, defective or deficient goods/ invalid Gift vouchers, the member should intimate the same to Customer Service within 7 working days of receipt of gift/reward. However, in case of failure to do so, the reward shall be considered as accepted and member’s request for replacement/reversal of voucher value shall not be entertained.

8. On cancelation of rewards redeemed, the Vouchers will be refunded in 5 working days from the date of cancellation. In case there is an error while redeeming the rewards, the Vouchers will be refunded back to customer account as points in less than 1 hour.

9. To know the order status/Shipping status of Rewards, please visit “Manage Orders”, enter order id, Mobile number and click submit.

Other terms and conditions related to HDFC Bank’s MyReward is applicable on SmartBuy Rewards. However certain terms & conditions shall be overrules by SmartBuy Rewards Terms and Conditions.
 

OTHER RIGHTS

Any communication or materials sent by you to the site by electronic mail or otherwise, including any comments, data, questions, suggestions or the like will be treated by HDFC Bank/ Reward360 as non-confidential.

Any material submitted to this site may be adapted, broadcast, changed, copied, disclosed, licensed, performed, posted, published, sold, transmitted or used by HDFC Bank/ Reward360 anywhere in the world, in any medium.

HDFC Bank reserves the right to deny any user access to this Site if found suspicious or any portion hereof without notice. HDFC Bank/ Reward360 is merely providing the intermediary service to its users and therefore not be held responsible for the acts, errors, omissions, representations, warranties, breaches or negligence of any content with regards to the flights, hotels, movie, music, recharges and other categories that can result in damages of any kind, expenses, personal injuries etc resulting there from.

HDFC Bank/ Reward360 and their respective partners have no liability and will make no refund in the event of any delay, cancellation, overbooking, strike, force majeure or other causes beyond their direct control and have no responsibility for any additional expense, omissions, delays, re–routing or acts of any government or authority.
 

For any assistance please email or call as per below details: 

1.These terms and conditions ("Offer Terms") for this offer ("-Jockeystore.com/SmartBuy & HDFC Bank SmartBuy Offer") are in addition to the -Jockeystore.com/SmartBuy Conditions of Use & Sale and Privacy Notice to which you agree to by using -Jockeystore.com/SmartBuy. In the event of any conflict between the Conditions of Use & Sale and these Offer Terms, these Offer Terms will prevail, only for the purposes of this Offer. For complete SmartBuy Terms and conditions, kindly refer : click here

2.All residents of India holding a valid and current debit or credit card issued by HDFC Bank are eligible to avail the Offer. For the purposes of these Offer Terms, such residents of India described above are referred to as "Cardholder(s)").

3.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.

4.Diners variant Includes all HDFC Bank Diners Black, Diners Clubmiles, Diners Premium, Diners Privilege, Diners Rewardz only. Diners Club Card customers cannot club the 10X benefit with any of the existing programs with the Diners.

5.Under this Offer, a Cardholder who, during the Offer Period: (i) clicks on the HDFC Bank SmartBuy web-portal / mobile site; and (ii) thereafter is redirected to the -Jockeystore.com/SmartBuy website/ mobile application / mobile site; and (iii) makes any purchase from the website/ mobile application; and (iv) makes payment for the purchase using a valid HDFC Bank Debit or Credit Card; will be entitled to receive cashback or reward points on the total purchase value for the successful purchase transaction(s), in the form of either 10% Cash Back or 10X Reward Points.

6.Maximum Reward points that could be earned (on overall SmartBuy transaction) are 15000 per calendar month on Infinia Credit Card, or 7500 per calendar month on Diners Black Credit Card. 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. The Festive Offer cashback would not have a maximum cap.

7.Reward points or Cashback will be posted directly by HDFC Bank to eligible cardholders shopping through SmartBuy (basis Jockey|Jockey), within 90 working days from the end of transaction month

8.This offer is applicable for EMI transactions made using HDFC Bank Credit or Debit cards

9.Cardholder(s) whose account has been classified as delinquent before or during the currency of the Program, or when the gift is to be collected, will not be eligible for the benefits of the Program.

10.In case of cancellation of your transaction(s) (for any reason whatsoever and either by the Cardholder or Jockey), the concerned purchase transaction will not qualify for the Offer. If a part of your order is cancelled, you will qualify for the Offer only on the net amount you pay for the concerned purchase transaction (after accounting for the cancellation).

11.Jockey Systems Private Limited believes in helping its customers as far as possible, and has therefore a liberal cancellation policy. Under this policy, Cancellations will be considered only if the shipping is not yet made for the order placed via TraknPay Payment gateway only. The customer may however track the status of the order online.

12.Order once placed on Razorpay Payment Gateway for HDFC offer, cannot be cancelled or refunded.

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

14.If a card member has more than 1 (one) HDFC Bank Card, spends on the cards cannot be clubbed by the card member in order to qualify for the said offer

15.Returned purchases, disputed or unauthorized/fraudulent transactions, EMI’s and Card Account Fees will not be considered for this offer

16.This offer is valid for Indian residents and citizens only

17.Above offers is by way of a special offer for select HDFC Bank Credit and Debit Card members only and nothing contained herein shall prejudice or affect the terms and conditions of the Card member agreement. The terms of the above offers shall be in addition to and not in derogation of the terms contained in the Card Member’s Agreement.

18.HDFC Bank will not be liable for any product or delivery related issues or claims made by the end-users of the -Jockeystore.com/SmartBuy site.

19.HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add / alter / modify / change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this offer or not, or to extend or withdraw it altogether.

20.No two programs can be combined or benefits of two programs be combined at any point in time, for transactions done on the SmartBuy website or pages thereof, associated with the program.

21.Nothing contained herein amounts to a commitment by HDFC Bank or -Jockeystore.com/SmartBuy to conduct further, similar or other offers.

22.Offer is valid only if HDFC Bank Credit/ Debit card is used to complete payment.

23.Only 1 product can be added in cart while checkout.

24.All HDFC Bank Credit Card disputes, if any, arising out of or in connection with or as a result of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Chennai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction. All disputes between the Cardholders and HDFC Bank will be resolved inter se and -Jockeystore.com/SmartBuy will not nor will be liable or obliged to mediate or resolve any dispute or disagreement between the Cardholders and HDFC Bank.

25.Pictures of products shown in the communication sent to the customer either through mailers or advertised on the website, are representative only and may not bear a resemblance to the actual products. Neither -Jockeystore.com/SmartBuy nor HDFC Bank shall be responsible towards the same under any circumstances.

26.Products offered under this Offer are subject to availability and accordingly HDFC Bank and/or -Jockeystore.com/SmartBuy, in no circumstances, shall be liable for non-availability of any product.

27.Under no circumstances, will the cashback under this Offer be settled in cash in lieu by HDFC Bank or by -Jockeystore.com/SmartBuy.

28.HDFC Bank will not entertain any correspondence regarding the validity or acceptability of any additional benefits offered on the Website.

29.The Cardholders expressly agree that -Jockeystore.com/SmartBuy (or any of its affiliates) will not be liable or responsible for any loss or damage whatsoever that a Cardholder may suffer, directly or indirectly, in connection with this Offer including but not limited to that associated with his/ her use or delivery or misuse of any product(s).

30.Cardholders are not bound in any manner to participate in the Offer. Any such participation is voluntary and purely on a best effort basis.

31.Any person availing this Offer will be deemed to have accepted these Offer Terms.

32.HDFC Bank and -Jockeystore.com/SmartBuy reserve the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this Offer or not, or to extend or withdraw it altogether.

33.Any Government levies / taxes like Sales Tax, TDS, gift tax, road tax, any Local Tax etc. arising out of the same will be borne by the cardholders.

34.Any HDFC Bank Debit Card disputes arising out of this offer shall be subject to the exclusive jurisdiction of competent courts in the city of Mumbai (India) irrespective of whether Courts in other areas have concurrent or similar jurisdiction. The existence of a dispute, if any, shall not constitute a claim against HDFC Bank.

The offer is a cashback / extra reward points and will be provided on HDFC Credit/Debit Card full swipe on all transactions on ZOOMCAR Website / M site which is redirected through HDFC SmartBuy. The Reward points or Cashback will be posted within 90 working days from the last date of transaction month by HDFC Bank.

HDFC Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the services offered by the partner. Any dispute or claim regarding the services/offers must be resolved by the customers with the partner directly without any reference to HDFC Bank.

HDFC Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services / assured gifts/gift vouchers availed by the customers under the said Offer.

HDFC Bank shall not be held liable for any delay or loss that may be caused in the delivery of the services.

This Offer is made available to the Customers who visit ZOOMCAR Website/ Msite after clicking the ZOOMCAR logo and accepting the terms listed on HDFC SmartBuy Website.

The offer cannot be combined with any other offer.

Any person availing of this offer shall be deemed to have accepted these Terms and Conditions.

HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all these terms and conditions or to replace, wholly or in part, this offers by another offer, whether like this offer or not, or to extend or withdraw it altogether.

Eligible benefits for this promotion (such as Reward points / cashback) will only be posted to accounts that are active at the time of postings.

Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting.

Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.

HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary, and the offer is being made purely on a best effort basis.

Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar, or other offers.

This offer is non-cashable, not extendable, and non-negotiable.

If a card member has more than 1 (one) HDFC Bank Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer.

The above offer is by way of a special offer by the Bank & Merchant for select HDFC Bank Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.

All disputes, if any, arising out of or in connection with or because of the above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Mumbai only, irrespective of whether courts/tribunals in other areas have concurrent or similar jurisdiction.

Any query regarding the program will be entertained till 60 days from the posting date. After said date, the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.

Any Tax, service charge, or other charges levied with regard to the Promotional Offer, may be borne by the Card Holder/winner.

HDFC Bank and/or ZOOMCAR Reserves the right to disqualify any cardholder from the benefits of the offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the offer or otherwise by use of the Card.

Any query regarding the offer will be entertained for 60 days from the offer fulfillment date. Post such date, the Bank will not entertain any correspondence or communication regarding this offer from the customer.

1. The offer is a cashback / extra reward points and will be provided on HDFC Credit/Debit Card full swipe on all transactions on Nykaa App / M site which is redirected through HDFC SmartBuy. The cashback / extra reward points will be processed in 90 days from the date of the transaction by HDFC bank.

2. HDFC Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the services offered by the partner. Any dispute or claim regarding the services/offers must be resolved by the customers with the partner directly without any reference to HDFC Bank.

3. HDFC Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services / assured gifts / gift vouchers availed by the customers under the said Offer.

4. HDFC Bank shall not be held liable for any delay or loss that may be caused in delivery of the services.

5. This Offer is made available to the Customers who visit Nykaa App/ Msite after clicking the Nykaa logo and accepting the terms listed on HDFC SmartBuy Website.

6. The offer cannot be combined with any other offer

7. Any person availing this offer shall be deemed to have accepted these Terms and Conditions.

8. HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all these terms and conditions or to replace, wholly or in part, this offers by another offer, whether like this offer or not, or to extend or withdraw it altogether.

9. Eligible benefits for this promotion (such as Reward points / cashback) will only be posted to accounts that are active at the time of postings.

10. Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting.

11. Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.

12. HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary, and the offer is being made purely on a best effort basis.

13. Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar, or other offers.

14. This offer is non-cashable, not extendable, and non-negotiable.

15. If a card member has more than 1 (one) HDFC Bank Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer.

16. The above offer is by way of a special offer by the Bank & Merchant for select HDFC Bank Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.

17. All disputes, if any, arising out of or in connection with or because of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction.

18. Any query regarding the program will be entertained till 60 days from the posting date. After said date the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.

19. Any Tax, service charge or other charges levied with regards to the Promotional Offer, may be borne by the Card Holder / winner.

20. HDFC Bank and/or Nykaa reserves the right to disqualify any cardholder from the benefits of the offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the offer or otherwise by use of the Card.

21. Any query regarding the offer will be entertained for 60 days from offer fulfillment date. Post such date, the Bank will not entertain any correspondence or communication regarding this offer from the customer.

The offer is a cashback / extra reward points and will be provided on HDFC Credit/Debit Card full swipe on all transactions on MMT HOLIDAY PACKAGES Website / M site which is redirected through HDFC SmartBuy. The Reward points or Cashback will be posted within 90 working days from the last date of transaction month by HDFC Bank

HDFC Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the services offered by the partner. Any dispute or claim regarding the services/offers must be resolved by the customers with the partner directly without any reference to HDFC Bank.

HDFC Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services / assured gifts/gift vouchers availed by the customers under the said Offer.

HDFC Bank shall not be held liable for any delay or loss that may be caused in the delivery of the services.

This Offer is made available to the Customers who visit MMT HOLIDAY PACKAGES Website/ M-lite after clicking the MMT HOLIDAY PACKAGES logo and accepting the terms listed on HDFC SmartBuy Website.

The offer cannot be combined with any other offer

Any person availing of this offer shall be deemed to have accepted these Terms and Conditions.

HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all these terms and conditions or to replace, wholly or in part, this offers by another offer, whether like this offer or not, or to extend or withdraw it altogether.

Eligible benefits for this promotion (such as Reward points / cashback) will only be posted to accounts that are active at the time of postings.

Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting.

Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.

HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary, and the offer is being made purely on a best effort basis.

Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar, or other offers.

This offer is non-cashable, not extendable, and non-negotiable.

If a card member has more than 1 (one) HDFC Bank Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer.

The above offer is by way of a special offer by the Bank & Merchant for select HDFC Bank Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.

All disputes, if any, arising out of or in connection with or because of the above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Mumbai only, irrespective of whether courts/tribunals in other areas have concurrent or similar jurisdiction.

Any query regarding the program will be entertained till 60 days from the posting date. After said date, the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.

Any Tax, service charge, or other charges levied with regard to the Promotional Offer, may be borne by the Card Holder/winner.

HDFC Bank and/or MMT HOLIDAY PACKAGES reserves the right to disqualify any cardholder from the benefits of the offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the offer or otherwise by use of the Card

Any query regarding the offer will be entertained for 60 days from the offer fulfillment date. Post such date, the Bank will not entertain any correspondence or communication regarding this offer from the customer.

The offer is a cashback / extra reward points and will be provided on HDFC Credit/Debit Card full swipe on all transactions on PHARMEASY Website / M site which is redirected through HDFC SmartBuy. The Reward points or Cashback will be posted within 90 working days from the last date of transaction month by HDFC Bank.

HDFC Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the services offered by the partner. Any dispute or claim regarding the services/offers must be resolved by the customers with the partner directly without any reference to HDFC Bank.

HDFC Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services / assured gifts/gift vouchers availed by the customers under the said Offer.

HDFC Bank shall not be held liable for any delay or loss that may be caused in the delivery of the services.

This Offer is made available to the Customers who visit PHARMEASY Website/ M-lite after clicking the PHARMEASY logo and accepting the terms listed on HDFC SmartBuy Website.

The offer cannot be combined with any other offer.

Any person availing of this offer shall be deemed to have accepted these Terms and Conditions.

HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all these terms and conditions or to replace, wholly or in part, this offers by another offer, whether like this offer or not, or to extend or withdraw it altogether.

Eligible benefits for this promotion (such as Reward points / cashback) will only be posted to accounts that are active at the time of postings.

Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting.

Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.

HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary, and the offer is being made purely on a best effort basis.

Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar, or other offers.

This offer is non-cashable, not extendable, and non-negotiable.

If a card member has more than 1 (one) HDFC Bank Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer.

The above offer is by way of a special offer by the Bank & Merchant for select HDFC Bank Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.

All disputes, if any, arising out of or in connection with or because of the above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Mumbai only, irrespective of whether courts/tribunals in other areas have concurrent or similar jurisdiction.

Any query regarding the program will be entertained till 60 days from the posting date. After said date, the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.

Any Tax, service charge, or other charges levied with regard to the Promotional Offer, may be borne by the Card Holder/winner.

HDFC Bank and/or PHARMEASY reserves the right to disqualify any cardholder from the benefits of the offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the offer or otherwise by use of the Card.

Any query regarding the offer will be entertained for 60 days from the offer fulfillment date. Post such date, the Bank will not entertain any correspondence or communication regarding this offer from the customer.

The offer is a cashback / extra reward points and will be provided on HDFC Credit/Debit Card full swipe on all transactions on IGP Website / M site which is redirected through HDFC SmartBuy. The Reward points or Cashback will be posted within 90 working days from the last date of transaction month by HDFC Bank.

HDFC Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the services offered by the partner. Any dispute or claim regarding the services/offers must be resolved by the customers with the partner directly without any reference to HDFC Bank.

HDFC Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services / assured gifts/gift vouchers availed by the customers under the said Offer.

HDFC Bank shall not be held liable for any delay or loss that may be caused in the delivery of the services.

This Offer is made available to the Customers who visit IGP Website/ M-lite after clicking the PHARMEASY logo and accepting the terms listed on HDFC SmartBuy Website.

The offer cannot be combined with any other offer.

Any person availing of this offer shall be deemed to have accepted these Terms and Conditions.

HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all these terms and conditions or to replace, wholly or in part, this offers by another offer, whether like this offer or not, or to extend or withdraw it altogether.

Eligible benefits for this promotion (such as Reward points / cashback) will only be posted to accounts that are active at the time of postings.

Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting.

Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.

HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary, and the offer is being made purely on a best effort basis.

Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar, or other offers.

This offer is non-cashable, not extendable, and non-negotiable.

If a card member has more than 1 (one) HDFC Bank Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer.

The above offer is by way of a special offer by the Bank & Merchant for select HDFC Bank Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.

All disputes, if any, arising out of or in connection with or because of the above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Mumbai only, irrespective of whether courts/tribunals in other areas have concurrent or similar jurisdiction.

Any query regarding the program will be entertained till 60 days from the posting date. After said date, the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.

Any Tax, service charge, or other charges levied with regard to the Promotional Offer, may be borne by the Card Holder/winner.

HDFC Bank and/or IGP reserves the right to disqualify any cardholder from the benefits of the offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the offer or otherwise by use of the Card.

Any query regarding the offer will be entertained for 60 days from the offer fulfillment date. Post such date, the Bank will not entertain any correspondence or communication regarding this offer from the customer

The offer is a cashback / extra reward points and will be provided on HDFC Credit/Debit Card full swipe on all transactions on Imagine Tresor Website / M site which is redirected through HDFC SmartBuy. The Reward points or Cashback will be posted within 90 working days from the last date of transaction month by HDFC Bank.

HDFC Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the services offered by the partner. Any dispute or claim regarding the services/offers must be resolved by the customers with the partner directly without any reference to HDFC Bank.

HDFC Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services / assured gifts/gift vouchers availed by the customers under the said Offer.

HDFC Bank shall not be held liable for any delay or loss that may be caused in the delivery of the services.

This Offer is made available to the Customers who visit Imagine Tresor Website/ M-lite after clicking the PHARMEASY logo and accepting the terms listed on HDFC SmartBuy Website.

The offer cannot be combined with any other offer.

Any person availing of this offer shall be deemed to have accepted these Terms and Conditions.

HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all these terms and conditions or to replace, wholly or in part, this offers by another offer, whether like this offer or not, or to extend or withdraw it altogether.

Eligible benefits for this promotion (such as Reward points / cashback) will only be posted to accounts that are active at the time of postings.

Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting.

Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.

HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary, and the offer is being made purely on a best effort basis.

Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar, or other offers.

This offer is non-cashable, not extendable, and non-negotiable.

If a card member has more than 1 (one) HDFC Bank Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer.

The above offer is by way of a special offer by the Bank & Merchant for select HDFC Bank Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.

All disputes, if any, arising out of or in connection with or because of the above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Mumbai only, irrespective of whether courts/tribunals in other areas have concurrent or similar jurisdiction.

Any query regarding the program will be entertained till 60 days from the posting date. After said date, the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.

Any Tax, service charge, or other charges levied with regard to the Promotional Offer, may be borne by the Card Holder/winner.

HDFC Bank and/or Imagine Tresor reserves the right to disqualify any cardholder from the benefits of the offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the offer or otherwise by use of the Card.

Any query regarding the offer will be entertained for 60 days from the offer fulfillment date. Post such date, the Bank will not entertain any correspondence or communication regarding this offer from the customer

The offer is a cashback / extra reward points and will be provided on HDFC Credit/Debit Card full swipe on all transactions on MYNTRA Website / M site which is redirected through HDFC SmartBuy. The Reward points or Cashback will be posted within 90 working days from the last date of transaction month by HDFC Bank.

HDFC Bank holds out no warranty or makes no representation about the quality, delivery or otherwise of the services offered by the partner. Any dispute or claim regarding the services/offers must be resolved by the customers with the partner directly without any reference to HDFC Bank.

HDFC Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/ services / assured gifts/gift vouchers availed by the customers under the said Offer.

HDFC Bank shall not be held liable for any delay or loss that may be caused in the delivery of the services.

This Offer is made available to the Customers who visit MYNTRA Website/ M-lite after clicking the MYNTRA logo and accepting the terms listed on HDFC SmartBuy Website.

The offer cannot be combined with any other offer.

Any person availing of this offer shall be deemed to have accepted these Terms and Conditions.

HDFC Bank reserves the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all these terms and conditions or to replace, wholly or in part, this offers by another offer, whether like this offer or not, or to extend or withdraw it altogether.

Eligible benefits for this promotion (such as Reward points / cashback) will only be posted to accounts that are active at the time of postings.

Benefits will not be posted on credit card accounts which are permanently delinquent or closed at the time of posting.

Benefits will also not be posted on retail credit card accounts that are flagged for working capital usage.

HDFC Bank Cardholders are not bound in any way to participate in this offer. Any participation is voluntary, and the offer is being made purely on a best effort basis.

Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar, or other offers.

ThThis offer is non-cashable, not extendable, and non-negotiable.

If a card member has more than 1 (one) HDFC Bank Card, spends on the cards cannot be clubbed by the card member to qualify for the said offer.

The above offer is by way of a special offer by the Bank & Merchant for select HDFC Bank Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.

All disputes, if any, arising out of or in connection with or because of the above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Mumbai only, irrespective of whether courts/tribunals in other areas have concurrent or similar jurisdiction.

Any query regarding the program will be entertained till 60 days from the posting date. After said date, the Bank will not entertain any correspondence or communication regarding this Program from the cardholder.

Any Tax, service charge, or other charges levied with regard to the Promotional Offer, may be borne by the Card Holder/winner.

HDFC Bank and/or MYNTRA Reserves the right to disqualify any cardholder from the benefits of the offer if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the offer or otherwise by use of the Card.

Any query regarding the offer will be entertained for 60 days from the offer fulfillment date. Post such date, the Bank will not entertain any correspondence or communication regarding this offer from the customer.