Four Tips To Become A Strategic Shopper During The

Festive Season

Quarantine has made many prone to saving as a result of restricted outdoor activities. But now that festive sales are out, and they are screaming discounts, it’s almost impossible to resist indulging in a little therapeutic shopping. And why shouldn't you? It is an auspicious time to make big-ticket purchases such as electronics, home furnishing, gold and other luxuries. And with all the upcoming family get-togethers, gifts for your loved ones is another thing you will have to plan.

To help you bag the best deals on everything that catches your eye, HDFC Bank Festive Treats offers a wide range of discounts and financing options. From lifestyle goods to electronics, you can avail attractive discounts and instant funding through HDFC Bank and prepare for this exciting season. While you’re shopping for those dear to you, you’re also helping a business celebrate festivities. Karo Har Dil Roshan with every purchase you make. And to go easy on your bank account without compromising on your shopping list, the following tips will help. 

1. Make a budget and stick to it

It often happens that when you begin shopping without a plan, especially during sales, you end up overspending and buying unnecessary things. To avoid impulsive purchases and the bitter aftertaste of large expenses, set a budget.

Prepare a list of the items you need or want to purchase, along with a rough estimate of how much you want to or can afford to spend on these; and refer to it while shopping. It also helps to set aside a budget for any last-minute purchases; this way you won’t feel restrained or stressed about additional spending. 

2. Get the timing right

Postposing your purchases by thinking that the prices might reduce towards the end of the sale season can sometimes backfire. Also, you may lose your chance to buy some of the items you had your heart set on. If fact, getting started on your shopping list early may actually get you some good offers.  

For instance, with your HDFC Bank Credit Card, you can enjoy benefits of up to ₹13,400 as part of the early activation offer on retail spends. You can even make the most of EasyEMI, SmartPay and PayZapp offers when getting ready for the festive season (T&C apply). Know more about the benefits of having a Credit Card.

3. Compare prices before making purchases 

One of the secrets of shopping wisely is to compare prices before making any purchases. Especially during festive sales, you may be bombarded with numerous deals. But it is important to avoid settling for the very first deal you come across; instead, compare prices offered by sellers, both online and offline and then choose the best one. For instance, if you are looking to buy a smartphone, washing machine or anything else, check e-commerce sites like HDFC Bank's SmartBuy and compare prices of electronics from various sellers before making your buy. 

It is also essential to ensure that the discounts are legit by looking up the original price of the product. Sometimes having no reference point can make you believe that you’re getting a great deal on a product even though the product is available at pretty much the same price throughout the year. 

4. Leverage online shopping features

The best part about online shopping is the return/exchange policies, and exciting bank offers such as discounts, CashBack and gifts on specific websites. Another beneficial feature is ‘save for later’ or ‘add to wishlist’ option. When you save an item for a future purchase, the website or app will acknowledge that you’re interested in purchasing them, and it just might be possible to get an additional discount coupon on it. Or you will be notified about the best deals on those products. 

Another advantage of online shopping is the chance to win exciting gifts. For example, as part of HDFC Bank Festive Treats, the top 100 spenders get Amazon Firesticks, and top 200 get the chance to win an Amazon Echo Dot (Spends over ₹25,000 across PayZapp and SmartBuy to qualify for top spenders (T&C apply). Read on to know smart ways of using your Credit Card

To apply for an HDFC Bank Credit Card, click here.

Rely on HDFC Bank Festive Treats offers

To add to your festive excitement, HDFC Bank has a list of offers up for grabs:

  • No-cost EMI+CashBack offers (up to ₹10,000) on mobile phones (online and offline purchases)
  • Buy Canon cameras and get 10% CashBack up to ₹10,000 on Easy EMI
  • Up to 22.5% CashBack on Samsung and LG electronics (up to 9 EMIs at no extra cost) 
  • Get 10% CashBack and no extra cost EMI options for 6, 9 and 12 months on electronic items from Sony, Godrej, Panasonic and other brands 
  • Up to ₹6,000 CashBack with 9 EMIs at no extra cost on Samsung Tabs. 
  • Revamp your home with new furnishing and home decor by availing a personal loan from HDFC Bank and get interest rates 10.25% onwards, loan in 10 seconds for select customers, collateral free loan up to ₹40 lakhs, minimum documentation, flexible tenure from 12-60 months and more. Offer valid from 15th September - 15th November (Credit at sole discretion of HDFC Bank)

To apply for an HDFC Bank Personal Loan, click here.

By following the above tips, you can buy gifts for yourself and your loved ones without having to trim down your shopping list. A long shopping list not only puts a smile on your loved one’s face, it also brings joy to a business owner. And with HDFC Bank Festive Treats, anyone can be a smart, strategic shopper. Karo Har Dil Roshan!

*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Personal Loan and Credit Card application at the sole discretion of HDFC Bank limited. Personal Loan and Credit Card disbursal is subject to documentation and verification as per Banks requirement.