General Terms & Conditions:

1. All the Gift Vouchers are valid for a minimum of 3 months depending upon the Brand. The exact expiry date of the Gift Vouchers will be mentioned in the Voucher E-Mail and SMS.
2. Kindly use your Gift Voucher within the due date. Gift Vouchers once expired cannot be revalidated.
3. All the respective T&Cs of the brands apply. Please visit the “TERMS & CONDITIONS” on each brand page for detailed Brand T&Cs.
4. We wish that the program adds delight to all the customer’s experience with HDFC Bank SmartBuy.
5. For any help regarding your Instant Voucher, please reach out to us:
   • Call us at 1800-1033-313
   • Share your queries at www.gyftr.com/hdfcsmartbuy/contact-us
6. SmartBuy Instant Vouchers allows only one card with one mobile number, refraining from which the customer’s card will be restricted for usage by the Payment Gateway on the SmartBuy Instant Vouchers website. The restriction will be lifted only after the customer submits a valid Government ID proof.
7. A customer (a combination of mobile number and card number) can buy a maximum of Rs. 5000 worth of Amazon Pay Gift Cards in a calendar month.
8. A customer (a combination of mobile number and card number) can buy a maximum of Rs. 5000 worth of Flipkart Gift Cards in a calendar month.

Promo Code usage and T&Cs:

1. Sign-in / Sign-up to SmartBuy Instant Vouchers (www.gyftr.com/hdfcsmartbuy) using your Mobile Number and E-Mail ID (same registration of SmartBuy cannot be used. A new registration is required).
2. Select your brand and denomination.
3. Enter your Unique Promo Code in “GyFTR Promo Code” section and click on “APPLY”
4. That’s it! The Promo Code will be applied successfully, and the amount of the Promo Code will be deducted from your Cart Value. Pay the additional amount (if any) using other payment methods on Payment Gateway.
5. Please maximize your savings by adding the Vouchers of a value equal to or higher than the value of your Promo Code.
6. For any help regarding your Promo Code, please reach out to us:
7. Call us at 1800-1033-313
8. Share your queries at www.gyftr.com/hdfcsmartbuy/contact-us

Convenience Fees Terms & Conditions:

1. A convenience fee of flat 1% (up to Rs. 50) will be charged on all the transactions done on SmartBuy Instant Vouchers.
2. The convenience fee will be charged on the total order value.
3. GST of 18% will also be charged on the convenience fee that is being charged on SmartBuy Instant Vouchers.
4. For example:
5. If a customer is taking a voucher of Rs. 1000, a convenience fee of Rs. 10 will be charged
6. Over that Rs. 10, a GST of 18% will be Rs. 1.80.
7. The total convenience fee becomes - Rs. 10 + Rs. 1.80 = Rs. 11.80
8. The total value to be paid by the customer becomes - Rs. 1011.80

No Cost EMI Terms & Conditions:

1. No-cost EMI is only applicable to select brands and denominations.
2. The Bank will continue to charge the interest on the No Cost EMI plans as per the existing rates.
3. However, the interest to be charged by the Bank will be passed on to you as an upfront discount.
4. A Convenience or Processing fee of INR 99 + GST will be charged for all cards EMI transactions by HDFC Bank.
5. The Voucher purchased using the No Cost EMI payment method will not be blocked/cancelled.