How To Earn & Redeem HDFC Credit Card Reward Points?

Using an HDFC Bank credit card for eligible purchases helps customers earn reward points. These points can be redeemed for cashback, statement credit, gift vouchers, air miles, and other rewards.

Key Highlights

• Earning: Reward points are earned on eligible spends, with rates varying by HDFC credit card.
• Limits: Reward points have validity, redemption thresholds, and monthly category caps.
• Redemption: Points can be redeemed online through HDFC NetBanking in a few simple steps.
• Travel: Use reward points on SmartBuy to book flights and hotels with part-payment.

What is the HDFC Credit Card Reward Points?

HDFC Credit Card Reward Points are part of HDFC Bank's loyalty programme, rewarding customers for using their credit cards. Every eligible purchase earns reward points, which accumulate over time and can be redeemed for shopping, travel, vouchers, or statement credit, depending on the card's features.

Features Of HDFC Credit Card Reward Points

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

• Category Caps: Reward points on groceries, utility bills, and insurance are subject to monthly limits.
• Point Validity: Points remain valid for 2–3 years and expire if the card stays inactive for over 365 days.
• Redemption Threshold: A minimum of 2500 points is required for redemption, and points from different cards cannot be combined.
• Redemption Charges: A fee of ₹99 + GST applies to each reward redemption transaction.

How To Earn HDFC Credit Card Reward Points?

HDFC Bank awards reward points based on eligible spending. The number of points earned depends on the credit card variant and the type of purchases, such as shopping, travel, or dining.

HDFC Bank awards reward points after a minimum spending amount, usually for every ₹150 or ₹200 spent.

Purchases below the specified spending threshold do not earn partial reward points:

How To Accumulate HDFC Credit Card Reward Points?

To accumulate GDFC Credit Card Reward Points, keep in mind of the following points:

• Select the right credit card: Choose based on your spending habits, lifestyle, and preferences to maximize rewards.
• Check transaction criteria: Review terms and conditions to identify transactions that yield rewards and any minimum transaction value requirements.
• Regularly use your HDFC credit card: The more you use your card, the more rewards you earn, as long as purchases meet the reward criteria.
• Be alert about expiry dates: Redeem your reward points before they expire to fully utilize them.
• Use accelerated reward points: Take advantage of special periods or spending patterns that offer higher points.
• Go through redemption options: Explore available redemption options and choose the ones that provide the best value for your points.

How To Redeem the HDFC Credit Card Reward Points?

There are two ways to redeem the HDFC Credit Card Reward Points:

I. 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 you want to redeem points on, then click ‘Continue’.

Step 5: Click ‘Redeem Reward Points’ and choose ‘Points Range’ and ‘Item Category’ to find it in rewards catalogue.

Step 6: Pick the items you want to buy with points, then confirm your selections in the shopping cart.

Step 7: Click the ‘Terms and Conditions’ box.

Step 8: Click on ‘Redeem’ to finish the transaction.

II. 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 the address: Rewards Helpdesk, HDFC Bank Cards Division, P.O. Box No. 8654, Thiruvanmiyur, P.O., Chennai 600 041, or drop it at your nearest HDFC Bank credit card drop box.

How to Redeem HDFC Credit Card Points for Flight Booking?

The simple steps to follow to use HDFC credit card reward points for flight bookings are as follows:

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 trip details.

Step 5: Click on the ‘Search’ button.

Step 6: Select the flight from the list of options and click.

Step 7: Log in with your credentials and click on ‘Continue’.

Step 8: Enter all the details, such as the name of the traveler, 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 ‘Inquire’.

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.

The amount will be in the account within seven days.

How To Redeem HDFC Credit Card Points Voucher?

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 Brand Instant Vouchers (Amazon, Flipkart, etc.)?

The steps to redeem Brand Instant Vouchers (Amazon, Flipkart, etc.) are as follows:

Step 1: On the online rewards portal dashboard, click on the 'Insta Vouchers' tab.

Step 2: Choose from partner merchant brands including Amazon, Flipkart, Croma, or Reliance Digital.

Step 3: Select the desired voucher denomination value, review any monthly item caps applicable to your card, and click 'Redeem'.

Step 4: The voucher codes along with their secure usage PINs will be dispatched instantly via SMS and Email to your registered contact details. You can add these codes directly into the merchant application to complete your shopping.

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 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 your HDFC card details.

Step 11: An OTP will be sent to your mobile number. Enter it to complete your hotel room booking. 

How To Check 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 NetBanking 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.

Final Word

Tracking transaction patterns, evaluating card benefits, and executing these online steps will maximize total HDFC MyRewards redemption value.