How To Earn & Redeem HDFC Credit Card Reward Points?

Using a credit card while shopping, either offline or online, can help you get offers as well as several rewards. To enhance your credit card benefits, HDFC Bank has come up with the MyRewards program, where you can win reward points with each shopping spree using your HDFC credit card. You can win gift vouchers, cashback, and air miles in this program, which will benefit you in every aspect. 

Keep reading to know how you can take advantage of HDFC credit card reward points.

How to Earn HDFC Credit Card Reward Point?

You can earn HDFC credit card reward points by using your card for different transactions. The idea is that transactions of a higher value lead to greater rewards. They can even be used to settle outstanding dues.

Do keep your shopping preferences in mind when you choose your HDFC credit card. For example, if online shopping is high on your priority list, you can choose a credit card that rewards you for online payments done for shopping. You also earn HDFC credit card reward points when you make payments for cinema tickets, groceries, food and dining, railway tickets, cab bookings and others.

You can choose from several credit cards which offer different HDFC reward points benefits. We have listed some of them in the table below:

Features of HDFC Credit Card Reward Points

Know the benefits and features of HDFC credit card reward points to enhance your credit card usage:

• At least 500 points are required to redeem HDFC reward points.
• You can redeem your HDFC credit card reward points online as well as offline. In offline redemption, you must fill out a form and mail it to HDFC Bank.
• The ‘Redemption Order Number’ helps you enquire about your redemption. So note it down.
• Items that you shop are sent to your registered address. If you want them delivered to another address, you can ask for the same via HDFC Bank’s customer care.
• You can’t combine reward points from multiple HDFC credit cards.
• In the case of vouchers, remember to use them before their expiry date.
• You can return the bought items only if they are defective.

How to Accumulate HDFC Credit Card Reward Points?

You need to keep some factors in mind to boost your HDFC credit card reward points. Check the pointers below to know them in detail:

• Select the right credit card according to your lifestyle and shopping preferences

You can select from a range of credit cards depending on how much you spend, what you spend on, and how you spend your money. Make sure to study the choices carefully and select the most rewarding credit card as per your needs.

• Check transaction criteria

You must read through the terms and conditions to check which transactions yield rewards. Some credit cards also have a minimum transaction value. Study these details carefully to accumulate points seamlessly.

• Regularly use your HDFC credit card

This is the most obvious way to increase your HDFC credit card reward points. The more you use your credit card, the more the likelihood of greater rewards. However, the purchases you make should match the eligibility criteria for rewards.

• Be alert about expiry date

You have to redeem your HDFC credit card reward points before their expiry. So make the most of the points by redeeming the HDFC reward points.

• Use accelerated reward points

Certain spending patterns can yield more points than regular purchases, such as spending money during a particular period. So, make the optimum use of your HDFC Bank credit card by looking for such opportunities.

• Go through redemption options

You will have different options to enjoy your HDFC credit card reward points. Select the cards which best suit your needs and give maximum bang for the buck.

How to Check the HDFC Credit Card Reward Points?

You can check your HDFC credit card reward points in two ways. They are as follows:

• Net banking: You should log in to your HDFC net banking portal to check your reward points.
• Credit card statement: Your credit card statement has a section specifically for HDFC credit card reward points. From here you can learn about the balance and the expiry date of the accumulated points.

How to Redeem the HDFC Credit Card Reward Points Online?

Below is a step-by-step guide on the HDFC credit card reward points redemption online process:

• Step 1: Log in to the HDFC net banking portal by entering the customer ID and password.
• Step 2: Select the ‘Credit Card’ tab from the top menu.
• Step 3: Click on the ‘Redeem Reward Points’ option on the left side.
• Step 4: Select the credit card for which you want to redeem points and click on ‘Continue’.
• Step 5: This will take you to the HDFC Online Redemption portal.
• Step 6: Click ‘Redeem Reward Points’ and choose ‘Points Range’ and ‘Item Category’ to find your rewards catalogue.
• Step 7: Pick the items you want to buy with the points and confirm the selections in the shopping cart.
• Step 8: Click the ‘Terms and Conditions’ box.
• Step 9: Click on ‘Redeem’ to finish the transaction.

How to Redeem the HDFC Credit Card Reward Points Offline?

Here’s how to redeem points in HDFC credit card via offline mode:

Step 1: Download the form for redeeming HDFC credit card reward points from the website.

Step 2: Fill out the form and post it to ‘Rewards Helpdesk, HDFC Bank Cards Division, P.O.Box No. 8654, Thiruvanmiyur, P.O., Chennai 600 041’. You can also drop it at your nearest HDFC Bank credit card drop box.

How To Use HDFC Credit Card Points For Flight Booking?

Here are the simple steps to follow to use HDFC credit card reward points for flight bookings:

• Step 1: Visit HDFC Bank’s SmartBuy portal.
• Step 2: Click on the ‘Travel & Stays’ option and click the ‘Compare & Fly’ option.
• Step 3: A disclaimer will pop up on your screen. Click on ‘Proceed’ to accept it.
• Step 4: Enter the details of your trip, such as whether it is a round-trip, one-way, or multi-city journey, how many people will be part of the trip, and the place and dates of the trip.
• Step 5: Click on the ‘Search’ button.
• Step 6: Select the flight from the listed options and click on ‘Book’.
• Step 7: Log in with your credentials and click on ‘Continue’.
• Step 8: Enter all the details, such as the name of the traveller, phone number, etc.
• Step 9: Choose your mode of payment.
• Step 10: Adjust your reward points as per the payment requirements.
• Step 11: Enter the details of your HDFC card.
• Step 12: An OTP will be sent to your mobile number. Enter it to complete your flight booking.

How to Convert HDFC Credit Card Points into Cash?

Follow the steps below to convert HDFC credit card points into cash:

• Step 1: Log in to the HDFC Netbanking portal by entering the customer ID and password.
• Step 2: Select the ‘Cards’ tab and click ‘Enquire’.
• Step 3: Click on ‘Redeem Reward Points’
• Step 4: Select your credit card and click on the ‘Continue’ button.
• Step 5: Click the ‘Redeem Reward Points’ and click ‘Cash Redemption’ from the options presented.
• Step 6: Specify how many points you want to convert to cash.

You will be able to find the amount in your account in seven days.

How To Redeem HDFC Credit Card Points Voucher?

You can also redeem HDFC credit card points for Insta vouchers and avail gift vouchers from Amazon, Croma, Raymonds, Reliance Digital and many more brands. Follow these steps to redeem points as Insta vouchers:

• Step 1: Log in to the HDFC Netbanking portal by entering the customer ID and password.
• Step 2: Select the ‘Cards’ tab and click ‘Enquire’.
• Step 3: Click on ‘Redeem Reward Points’
• Step 4: Select your credit card and click on the ‘Continue’ button.
• Step 5: Click the ‘Redeem Reward Points’ and click ‘Insta Vouchers’ from the options.
• Step 6: Select the voucher of your choice and click ‘Redeem’. 

How to Redeem the HDFC Credit Card Points on Amazon?

You can redeem your HDFC credit card reward points into Amazon gift vouchers through the net banking portal of HDFC Bank. All you need to do is follow the steps to redeem HDFC credit card reward points for Insta vouchers. Select ‘Amazon’ voucher and click ‘Redeem’ to get the Amazon gift voucher.

How To Redeem the HDFC Credit Card Points on Flipkart?

You can convert your HDFC reward points into Flipkart vouchers by following the steps to redeem HDFC credit card reward points for Insta vouchers. Just select the ‘Flipkart’ voucher at the end and click ‘Redeem’ to get the same.

Redeem HDFC Credit Card Points For Hotel Booking

Here’s how to redeem credit card points HDFC for booking hotel rooms:

• Step 1: Visit HDFC Bank's SmartBuy portal.
• Step 2: Click on the ‘Travel & Stays’ option and click the ‘Compare & Stay’ option.
• Step 3: A disclaimer will pop up on your screen. Click on ‘Proceed’ to accept it.
• Step 4: Enter the details of your stay, such as city name, number of guests and rooms, and check-in and check-out date and click ‘Search’.
• Step 5: Select the hotel of your choice and click on ‘Book’.
• Step 6: Log in with your credentials and click on ‘Continue’.
• Step 7: Enter the details to book your room.
• Step 8: Choose your mode of payment.
• Step 9: Use your reward points to make the payment.
• Step 10: Enter the details of your HDFC card.
• Step 11: An OTP will be sent to your mobile number. Enter it to complete your hotel room booking. 

You can redeem your HDFC credit card reward points online and offline under the MyRewards programme using the steps discussed above. So select your credit card according to your shopping requirements and maximise your reward opportunities.

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