DCB Clarifications on HDFC SmartBuy EMI Spends for DCB Metal

[techie_space]

Hello TF Community,

This thread has been created to consolidate information regarding HDFC SmartBuy EMI spends on DCB (or even Infinia) cards.

When making high-value purchases such as iPhones, booking flights, or holidays—transactions that typically exceed the monthly reward cap—we often opt for EMIs (especially if they are no-cost EMIs).

Given this context, the following points need clarification:

• Do EMI spends earn reward points?
• Are EMI spends considered for quarterly milestone benefits?
• Are EMI spends included for the annual fee waiver calculation?

Although there are several discussions around this topic, a consolidated and definitive answer is still missing. I request everyone to share relevant and accurate information to help close this thread.

Thank you!