Paying utility bills with HDFC credit cards can be rewarding if you use the right approach. By leveraging Amazon Pay vouchers purchased through the Gyftr platform on HDFC SmartBuy, you can earn cashback, maximize reward points, and sometimes even qualify for special monthly offers. Here’s a step-by-step guide on how to make the most of this method.

Why Use HDFC Credit Cards on Amazon Pay via Gyftr for Utility Bills?

HDFC Bank’s SmartBuy platform offers exclusive deals and cashback when you buy vouchers from partner sites like Amazon through Gyftr. By purchasing Amazon Pay vouchers on Gyftr using your HDFC credit card, you can fund your Amazon Pay account and then use it to pay utility bills, all while earning rewards.

Key benefits include:

• Reward Points and Cashback: Earn HDFC SmartBuy rewards, which can be in the form of cashback or bonus points, depending on your card.
• Discounts on Vouchers: Gyftr sometimes offers discounts on Amazon Pay vouchers, allowing you to get more value than the voucher’s actual cost.
• Flexible Payments: Amazon Pay vouchers can be used for a range of payments, including utility bills, mobile recharges, and more.

Example: Paying Utility Bills Using HDFC Infinia Credit Card (5X Rewards)

Let’s walk through a practical example using the HDFC Infinia Credit Card with 5X rewards to pay utility bills by purchasing Amazon Pay vouchers through Gyftr on the SmartBuy platform.

1. Log in to HDFC SmartBuy: Access SmartBuy via your HDFC NetBanking portal or directly on the SmartBuy website.
2. Purchase Amazon Pay Vouchers via Gyftr: Select Amazon Pay vouchers on Gyftr within SmartBuy. Choose a voucher amount matching your utility bill, such as a ₹10,000 Amazon Pay voucher.
3. Pay with HDFC Infinia Credit Card: Use your Infinia credit card for this transaction to earn 5X reward points through SmartBuy.
   • Reward Points Calculation:
     • Base Reward Points: With the Infinia’s 5 points per ₹150, you’ll earn (10,000 / 150) × 5 = ~333 points.
     • 5X Bonus Points on SmartBuy: You’ll receive an additional 4 × 333 = ~1,332 bonus points.
     • Total Reward Points: 333 + 1,332 = 1,665 points, valued at ₹1,665 (as each point is worth ₹1).
4. Add the Voucher to Amazon Pay: Redeem the voucher code on Amazon Pay to add it to your balance.
5. Pay Utility Bills Using Amazon Pay: Use the Amazon Pay balance to settle your utility bills under Amazon’s Bills and Payments section.

Summary of Bonus Rewards for HDFC Credit Cards on Amazon Pay Vouchers via SmartBuy

Here’s an updated breakdown of rewards for each HDFC credit card on Amazon Pay vouchers bought via Gyftr on SmartBuy, reflecting the 0.5 value per point for the Regalia card.

HDFC Credit Card	Base Reward Points per ₹150	Bonus Points on SmartBuy (Gyftr)	Total Reward Points (Example: ₹10,000 voucher)	Approximate Value
Infinia	5	5X (5X rewards on Gyftr)	1,665 points	₹1,665
Diners Club Black	5	5X (5X rewards on Gyftr)	1,665 points	₹1,665
Regalia	4	5X (5X rewards on Gyftr)	~1,333 points	₹666.5 (₹0.5/point)
Millennia	1% cashback	5% (5% cashback on Gyftr)	₹600 cashback for ₹10,000 spent	₹600

Example Calculations:

• Diners Club Black: Identical to Infinia, yielding 1,665 points on a ₹10,000 voucher, valued at ₹1,665.
• Regalia: For ₹10,000 spent, you earn ~267 base points plus 1,066 bonus points, totaling ~1,333 points. With a ₹0.5/point value, this equates to ₹666.5.
• Millennia: Cashback is calculated at 6%, or ₹600 on ₹10,000.

Tips for Optimizing Utility Payments with HDFC Credit Cards

1. Track Monthly Reward Caps: Each card has a monthly limit on SmartBuy rewards (e.g., Infinia and Diners Club Black have a 15,000-point cap).
2. Use Higher Denominations: Buy larger-value vouchers like ₹10,000 to maximize points without hitting the cap quickly.
3. Check for Amazon Pay Offers: Look for Amazon cashback promotions on bill payments to layer in extra savings.