Help me understand Smartbuy HDFC

[Shanmu_s4]

I got a Moneyback+ card as my first card. Now I have a few questions as the terms and conditions are extremely confusing. Let's say I'm spending 2000 on Myntra. Now I have 3 options(afaik):

1. Purchase directly from Myntra website/app and use my CC for payment
2. Purchase voucher from GYFTR for Myntra
3. Purchase via Smartbuy Myntra portal(this is very confusing - what is the difference between this and Option 1?)

Can someone please explain the differences if any?
For Option 2, do I get any cashpoints for purchase of voucher? Or is it just the cashback GYFTR provides?

 

[Gold]

Yes. Purchase the voucher from smartbuy is better, you can get the 5x reward points.

 

[keerthirahul123]

The difference between 1 and 3 is that in 3 u land in myntra using the smartbuy. So the URL will have smartbuy appended to myntra url. In this way if you pay via CC then 5x rewards are credited.

In option 1 you get standard rewards.

 

[ManojGowda]

I got a Moneyback+ card as my first card. Now I have a few questions as the terms and conditions are extremely confusing. Let's say I'm spending 2000 on Myntra. Now I have 3 options(afaik):

1. Purchase directly from Myntra website/app and use my CC for payment
2. Purchase voucher from GYFTR for Myntra
3. Purchase via Smartbuy Myntra portal(this is very confusing - what is the difference between this and Option 1?)

Can someone please explain the differences if any?
For Option 2, do I get any cashpoints for purchase of voucher? Or is it just the cashback GYFTR provides?

Use either 2 or 3 to get accelerated rewards.
I would suggest using 3 because if you decide to return money won't be stuck in myntra wallet.