It’s the season to celebrate and rejoice! The festive season is right around the corner, and what better way to get into the spirit of the season than by indulging in some retail shopping therapy?

In India, it’s a common practice to buy household appliances during the festival season. It’s a belief that when we add new items to our home during these auspicious days, it increases the prosperity of the home. Religious beliefs aside, shopping during the festive season is good on your wallet. You can enjoy a wide range of discounts, offers and other promotions that are offered only during this season.

If you’re looking to purchase a big-ticket item for yaour home, it’s highly recommended that you wait and make use of the festive offers.

It’s Raining Festive Offers with HDFC Bank

It’s common for major ecommerce companies like Amazon, Flipkart, Myntra, Tata CliQ and others to announce festival sales. In a first, HDFC bank, the largest private sector bank in India has announced a three-month-long festive shopping festival. The campaign is named as Festive Treats and HDFC bank customers will be able to enjoy special offers on all banking products during the duration of the campaign.

Customers can enjoy huge offers every time they use a banking product like credit or debit cards, digital wallets like the PayZapp, SmartBuy from HDFC. Not just that, customers can also enjoy huge discounts on loans availed at HDFC via this campaign. The offers are not just limited to retail customers but also include business customers who can enjoy discounts on unsecured business loans, loan against property, etc.

Compared to festival offers from Amazon and Flipkart that run only for three to four days, the Festive Treats campaign from HDFC bank is on for three whole months.

HDFC Festive Treats – At a Glance

  • What is it? A massive consumer shopping offer from HDFC bank, with 100+ offers on 1000+ brands, at 10,000+ stores (both online and in-store) at 5000+ HDFC branches across the country.

  • Who is it for? Retail customers of HDFC Bank as well as business customers

  • When? 1st October to 31st December 2019. Note that the validity dates vary from one offer to another.

  • Which Products? Offers are available on shopping for electronics and mobile, apparel, dining, home décor, jewellery, footwear, travel, grocery, entertainment, lifestyle, automobile, kids products, wedding, business and insurance.

Let’s take a closer look at the offers on different bank product categories:

Offers on Loans

Availing loans from HDFC bank during this offer is cheaper as there are plenty of discounts on various loan products. Here are the discounts offered on different loan products.

  • Car Loan

    • EMI reduced from Rs. 1660 to Rs. 1234 for each lakh borrowed

    • No down payment

    • Zero foreclosure charges after 24 months

  • Two Wheeler Loan

    • Own a bike starting at just Rs. 77 per day

    • Rs. 2000 flat-off on Hero scooters and bikes

    • Interest rate reduced from 22.90% to 14.99% on all Honda two-wheelers

    • No processing fees and down payment

  • Tractor Loan

    • 50% off on pre-closure charges

    • Avail up to 95% of the purchase price as funding (only for select customers)

  • Personal Loan

    • EMI starts at Rs. 2162 per lakh, Processing fee Rs. 1999 onwards

    • No collateral

    • Loan up to Rs. 40 lakhs

  • Home Loan

    • Up to 50% off on processing fees for employees of select corporate companies

    • Special discounted processing fee for government employees

    • No processing fee for balance transfer customers

    • Get a Reliance Digital voucher worth Rs. 10,000 on every new home loan

  • Digital Loan against Mutual Funds

    • One-time processing fee of just Rs. 999

    • Rate of interest fixed at 10%

    • Pay interest only on the amount utilized and not the amount borrowed

  • Loan on Credit Cards

    • Processing fee starting from Rs. 599 onwards

    • Instant cash

Apart from the above individual loan products, HDFC Festive Treats also offers various discounts on business growth loans like – term loans, gold loans, merchant solutions, loans against property and working capital loans.

Additional Reading: New Loan Schemes From Banks to Attract Customers in festival season

Top Offers for Consumers in HDFC Festive Treats

While there are 100+ offers, here we list only the major offers. For an exhaustive list of all available offers, get in touch with your nearest HDFC bank branch. 


 Offers  Validity  Applicable on HDFC Products  Conditions
 10% cashback at Reliance Digital on all purchases over Rs. 10,000  28thSept- 31stDec 2019  HDFC Bank Debit/Credit Cards, Easy EMI and Consumer Loans  NA
 10% cashback on all purchases at Reliance Market and Jio  28thSept - 31stDec 2019  HDFC Bank Debit and Credit Cards  NA
 Up to Rs. 7000 cashback on purchase of all Apple products including iPhone 11  1stOct - 31stOct 2019   EMI and Non-EMI transactions on HDFC Bank Debit and Credit Cards  NA
 Rs. 2000 instant discount on purchase of any OnePlus Products  28thSept - 4thJan 2020  HDFC Bank Cards & EMI  NA
 Rs. 75 cashback on all Zomato Orders above Rs. 300  4thOct - 27thOct 2019

 HDFC Bank Debit Cards

 Up to 15% cashback on Samsung electronics products for purchases over Rs. 20,000  1st Oct- 31st Oct 2019  HDFC Bank EasyEMI on Debit Card, Credit Card and Consumer Loans

 Maximum cap of Rs. 9000

 Instant discount of Rs. 1000 on Cult Fit and Mind Fit products on every purchase over Rs. 4990  1st- 5thof every month till Dec, 2019  HDFC Bank Debit /Credit Cards and EasyEMI  NA
 Up to 15% cashback on LG electronics products for purchases over Rs. 20,000  1st Oct- 31st Oct 2019  HDFC Bank EasyEMI on Debit Card and Credit Card

 Maximum cap of Rs. 9000

 Up to 10% cashback on Xiaomi products over Rs. 4500  Instore - 1stOct - 31stOct, 2019  HDFC Bank Debit/Credit Cards and EasyEMI

 Maximum cap of Rs. 1500


Other Offers

Apart from retail offers, HDFC Festive Treats also includes other offers on:

  • Forex

  • FASTag

  • Insurance – Life, Health and General Insurance

  • Demat and Trading Accounts

Bumper Offer

Apart from discounts on various products, HDFC Bank also offers one mega bumper offers

One lucky winner gets to win an Apple iPhone 11 every hour and the bumper winner will drive home a Mercedes Benz

Details and Eligibility:

  • Offer available to both credit and debit card customers

  • Offer validity: 1st October to 31st October 2019 

  • Minimum transaction value to be eligible for the offer: Rs. 2000

  • Available at both online and in-store transactions

  • Transactions must be done from 11.00 am to 11.00 pm. 

  • Offer valid only to Indian citizens, excluding Tamil Nadu customers 

Why make use of Festive Treats from HDFC?

By shopping with HDFC credit and debit cards on available offers, you can enjoy massive discounts, smaller EMIs, gift vouchers and more. Simply put, you get better value for your bucks by using the offers from HDFC bank during the validity period.

End Note

These are just a sample of the available offers. For a complete list of all eligible purchases and brands, get in touch with your HDFC bank branch or check out the website. Shop more with HDFC credit cards and debit cards, enjoy huge discounts and make all your wishes come true this festive season. Check out CreditMantri to find the right HDFC bank credit card for you to avail of all the festive treats, discounts and offers from the bank.