Overall SmartBuy caps unchanged. GyFTR & Woohoo vouchers now have their own ceiling.
Amazon, Flipkart, Swiggy vouchers on SmartBuy via GyFTR or Woohoo — not the same as spending on the merchant site.
Infinia still has 15k overall SmartBuy cap — but max 3,000 pts from vouchers per month. Voucher farming stops here.
Up to 12,000 pts/mo you can't earn via vouchers anymore. Roughly ₹12k/mo or ₹1.44L/yr at ₹1 per point.
HDFC Millennia
1k voucher cap matches its overall SmartBuy cap. Likely no practical change for casual buyers.
SBI Cashback
After HDFC voucher sub-cap: shift Amazon and Flipkart spend to flat 5% on another card.
Hit voucher sub-cap → switch card. Use flights or hotels on SmartBuy for remaining monthly headroom.
Infinia, Diners, Regalia, Millennia — who loses how much, with ₹ examples.
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