HDFC Bank Credit Card Offers — August 2019 Deals & Discounts

While you may be busy exploring the revamped 10X rewards, here are several other noteworthy HDFC Bank credit card offers for August 2019.

Get 5X Points on Online Spends

• Offer: 5X reward points on online spends
• Minimum spend to unlock 5X: Rs.20,000 for Regalia & Rs.10,000 for Regalia First (minimum can include offline spends)
• Offer period: 17th Jul 2019 to 30th Sep 2019
• Maximum cap: 2,000 points per calendar month
• Type: Online spends only (5X applies after meeting minimum spend)
• Fulfilment: Within 90 days from promo end date

Remember: until you meet the minimum spend threshold, you’ll earn only the base 1X rewards. After qualifying, the 5X effectively raises the reward rate to about 4% on Regalia and 6.5% on Regalia First. The 5X rate is generous, but the monthly cap is modest — a broader cap like 10,000 points would be preferable. Still, you can earn an extra ~4,000 points across August and September if you meet the criteria both months.

Netflix Offer

• Offer: First 3 months of Netflix subscription refunded (cashback)
• Eligible cards: HDFC Infinia, Regalia, Regalia First, Business Regalia, Business Regalia First, co-branded Jet cards, Diners Club Miles, Diners Jet, Diners Club Black
• How it works: Choose any Netflix plan and pay with your eligible HDFC card. You receive cashback after three months if the subscription remains active when cashback is processed.

This is a useful offer if you plan to maintain Netflix for several months: you effectively get the first three months’ payment returned as cashback. Note that reports later indicated HDFC had no record of the promotion, so availability may be inconsistent. If valid, it’s a helpful perk and aligns with suggestions for complimentary membership benefits on premium cards.

Spend-Based Offer

• Offer: Spend Rs.45,000 and receive 3,000 bonus reward points
• Offer period: 1st Aug to 31st Aug 2019
• Type: Spend-based / personalised offer
• Fulfilment: Within 90 days from promo end date

This personalised spend-based offer has appeared before with lower thresholds. This month’s threshold is higher, likely reflecting account activity and prior fulfilment. It appears HDFC issues such personalised offers to cardholders who meet monthly spend targets, so consistent activity may keep such offers coming.

Bottomline

HDFC seems intent on rolling out attractive promotions through the festive season, keeping cardholders engaged at least until Diwali and possibly through December. If you regularly use HDFC credit cards and meet spend criteria, these short-term offers can add meaningful value.

What do you think of the new HDFC credit card offers? Share your thoughts in the comments below.