Here's a Guide to Decide Shopping Plan for Festive Season

27 October, 2023

It is raining offers and discounts at all your favourite stores and websites, and everyone from celebrities to your peers are gearing up for the celebrations ahead. Put your worries to ease and select from shopping plans that will help you make the perfect purchases to brighten the festive season. And while you’re shopping for yourself and those dear to you, you’re also helping various big and small businesses celebrate festivities. Make this festive season count with every purchase you make.

If you are contemplating whether you should spend on shopping or not, you should know that you are not alone in this dilemma. To help you out and clear any concerns on festive shopping, here are some considerations.

  1. Most discounts are on in-store purchases, but going to crowded stores is risky. So, should I shop?

    Gone are the days when shopping meant hopping from store to store in search of that one item that sparks joy. Today, shopping has a new destination - your phone (or laptop). Be it electronics, apparels, home decor or anything else; all your shopping needs can be met with just a few clicks.  HDFC Bank Festive Treats ​​​​​​​ has some of the best deals up for grabs that will help you enhance your shopping plans this festive season. 

  • Avail a Personal Loan of up to ₹40 lakh in just 10 seconds with interest rate @10.50% onwards (T&C apply). 

  • Avail EasyEMI up to 24 months and savings of up to 10%-20% on selected brands (T&C apply). 

  • Apply for a new HDFC Bank Credit Card instantly, and enjoy the exclusive tie up with Apple, with savings of up to ₹10,000 on HDFC Bank Cards and EasyEMI, with extra savings via SmartBuy (T&C apply).

    What's more, you can add multiple items to your shopping cart and convert the entire bill into SmartEMI with your HDFC Bank Credit Card and enjoy stress-free repayment.

  1. I spend most of my time at home, so do I even need to shop for new things?

    Spending time indoors is synonymous to spending time on your gadgets. With work from home in many places, having fast processing devices is a must for effective working. So this festive season, why not gift yourself some efficient gadgets? You can upgrade your lifestyle by including the latest models of laptops, headphones, smartphones, Kindles, home theatre systems, smart TVs or anything else in your shopping planning list. You can avail of the following shopping offers this festival season.

  • Samsung Mobile: Up to ₹12,000 cashback on HDFC Bank Credit Cards, EasyEMI and Consumer Loans (T&C apply). 

  • Sony: Up to ₹27,500 cashback on Sony Bravia Televisions using your HDFC Bank Cards and EasyEMI on Debit/Credit Cards. 

  • JBL by Harman: Up to ₹6,000 cashback on HDFC Bank Credit Cards and EasyEMI on Debit & Credit Cards (T&C apply). 

  • Noise: Get up to 7%-10% instant discount on Noise gadget purchases (T&C apply). 

  • Bajaj Electronics: Up to 10% cashback on HDFC Bank Credit Cards & EasyEMI (T&C apply). 

  • Homecentre: Up to 10% instant discount on HDFC Bank Credit Cards & EasyEMI (T&C apply). 

  • Sleep Company: Up to 7.5% instant discount on HDFC Bank Credit Card & Easy EMI (T&C apply). 

  • Livspace: Up to 15% off on all modular solutions with your HDFC Bank Cards (T&C apply). 

  • Sofas & More – Stanley: Up to ₹10,000 instant discount with HDFC Bank EasyEMI (T&C apply).

    If you are buying multiple items and don’t want to make the entire payment upfront, you can convert them to EMIs with HDFC Bank SmartEMI.

  1. How do I know if the sales are legit?

    This is a common dilemma that most people face; just because the words ‘sale’ or ‘flat 50% off’ is plastered everywhere, it does not mean that the sale is genuine. So how can you check? Just log into HDFC Bank's e-commerce site, SmartBuy. Here you can compare the prices among various sellers and bag the best discount. You can compare and shop for entertainment devices, home décor, kitchen appliances and pretty much anything else you may need during this festive season. Partnered with retail biggies like Amazon and Flipkart, HDFC Bank’s SmartBuy has plenty of lucrative offers. But the celebrations do not end here. On using your HDFC Bank Credit Card or Debit Card, you can earn Reward Points and CashBack. With the help of HDFC Bank, you can make purchases without worrying about the legitimacy of sales and shop to your heart’s content!

  2. Festival shopping is tempting and will result in high bills. How can I manage it with a fixed monthly spending budget?

    The joy of ripping through layers of bubble wrap to find your new purchase is exciting. However, not everyone has pockets deep enough to hit the ‘Buy Now’ button on everything their heart desires. The good news, however, is that you have the option to buy whatever you want now and pay for it later. HDFC Bank ensures you do not have to spend a large lump sum in one go. With SmartEMI, you can convert hefty expenditures into convenient EMIs while enjoying attractive interest rates.

  • Vijay Sales: Get up to ₹4,000 instant discount on EMI transactions with HDFC Bank’s EasyEMI (T&C apply). 

  • Croma: Up to 7.5% instant discount every Friday on HDFC Bank EasyEMI (T&C apply). 

  • Pepperfry: Get instant discount of up to ₹3,000 on HDFC Bank Easy EMI transactions (T&C apply). 

  • Taneira: Up to 10% instant discount with HDFC Bank EasyEMI (T&C apply).

  1. I already have too many expenses, should I still shop?

    Managing your expenses is part and parcel of life, but having a healthy budget does not mean you cannot indulge in some festive pampering for yourself. It is the perfect occasion to spruce up your shopping list and splurge on a few impulse buys. So, if you are falling short of cash to meet your expenditure demands, you can consider a Loan on Credit Card using your HDFC Bank Credit Card. It is a pre-approved and instant loan where the money reaches your account in seconds. And it can be repaid in easy instalments of 12 to 48 months. As part of HDFC Bank Festive Treats, benefit from Zero Processing Fee, instant disbursal and zero documentation. Here's a guide on how to apply for a Loan on Credit Card.

    Alternatively, you can pledge your gold or securities as collateral to avail yourself of a Gold Loan or a Loan Against Securities. With Gold Loan, you can enjoy 50% off on processing fees*, overdraft and balance transfer facility and competitive interest rates. Our Xpress Loan Against Securities come with interest rates starting from 10.75%* and flat processing fee of ₹999 + taxes (T&C apply).

    We hope to have addressed all your concerns concerning shopping during the festive season. So, check out the many offers from HDFC Bank and have a joyful celebration. If you are still confused, listen to your heart and you’ll find the answer. 

To apply for a Loan on Credit Card, click here to get started!

​​​​​​​*Terms and conditions apply. Loan on Credit Card and Credit Card at the sole discretion of HDFC Bank limited. Loan and Credit Card disbursal is subject to documentation and verification as per Banks requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.