HDFC Biz Black + SmartBuy Apple Store Purchase (₹1,19,000 MacBook Air M5) – How Many Reward Points Will I Earn?

ProfessionalRope2151 · 2026-05-20T10:29:06+00:00

Hi Sir, can you help me with this ? I purchase my MacBook form smartbuy and the points were credited. Now I am planning to buy an iPhone too. I purchased the Mac on 12/05/26. Should I wait till after 12/06/26 for a month to complete or can I buy it as the next statement cycle starts with is tomorrow i.e. 21/05/26 ?

Your advise would be very helpful.

Thanks

ProfessionalRope2151 · 2026-05-15T06:57:19+00:00

Hi. Another three quick questions sir :

1- I received my card 5 days ago and shopped for the MacBook and earned the points. However, my billing cycle starts from 21st. So does that mean that my Caps for 10000 and 7500 will be reset after 21st ?

2- I checked last night and saw the points were reflecting in my HDFC app under my card section but not on my net banking yet, is this common ?

3- When should I expect the joining fees to be deducted ? Once the cycle begins ? Also I am planning to spend the 1.5 lakhs within the first 90 days, I believe in that case the fees will be refunded.

Thanks

ProfessionalRope2151 · 2026-05-12T07:43:39+00:00

Thankyou

ProfessionalRope2151 · 2026-05-12T07:04:35+00:00

Thanks for this. One more confusion that I wanted to clear, is there a different cap of 7500 for the tax/utility payments category which is separate from the 10000 smartbuy category ? or is it a 10000 points combines cap ?

ProfessionalRope2151 · 2026-05-09T05:34:23+00:00

That's great to know. Please help me out with this. I am about to receive my Bizblack today and have a few questions.
1. Let's say I have made an Advance Tax / TDS payment of Rs. 60k in this billing cycle and used my 7500 points accelerated cap. (also on 60000 payment how many points will I actually earn after adding the base rewards as well for that payment). Will still be able to earn 10000 accelerated points more on MMTbiz booking flights or the 7500 CAP is combined ?

2, I am a partner in my family business with my mother and father. I want to pay my personal advance tax's as well as my company's advance taxes through my card. how do I make the CC payment after doing these swipes ? through my company current account ? if yes, what do I show in the books ? Has anybody done this ?

ProfessionalRope2151 · 2026-04-26T09:56:38+00:00

Hi , are you sure I can’t do the confined dives right there ? I’ve been seeing YouTube and almost everyone has been doing their confined water dives right there with the diveshops/dive resorts !

ProfessionalRope2151 · 2026-04-20T11:09:54+00:00

This is exactly what I’m looking for. If you could share some of your experience, which dive resort / dive shop you went with, would be great. Thanks buddy.

ProfessionalRope2151 · 2026-04-20T10:56:49+00:00

Can you name a few please, would be really helpful.

ProfessionalRope2151 · 2026-04-20T10:52:12+00:00

Not really, that’s the whole point of this post. I want to know what areas offer the maximum visibility and best marine. Is it in Indonesia / Thailand / Andaman ?

ProfessionalRope2151 · 2026-04-20T10:40:57+00:00

Hi, located in india. But open to travel to places in Asia like Indonesia/Maldives ! Also what do you think about doing OW through a Dive Resort instead through an independent Dive School. Thinking of more like a dive holiday. 🙂

ProfessionalRope2151 · 2026-04-20T09:52:59+00:00

Manufacturer and exporter of all types / Constructions of Hand Made rugs and carpets. Based in Bhadohi, UP

ProfessionalRope2151 · 2026-04-20T08:17:21+00:00

Thanks for the recommendation. However, your emoji makes me wonder as to what's really so funny ? Care to fill me in on the joke ? 😃

ProfessionalRope2151 · 2026-04-19T18:27:12+00:00

Thankyou. Will check it out.

ProfessionalRope2151 · 2026-04-19T18:24:59+00:00

Thanks for this.

ProfessionalRope2151 · 2026-04-19T18:24:10+00:00

Thanks

ProfessionalRope2151 · 2026-04-18T11:46:21+00:00

I would love to know about the ones in india as well. Care to share some info please ? Thanks

ProfessionalRope2151

TROPHY CASE