download-app-gif

Get the app — instant card and loan offers!

Paisabazaar Logo
  • Personal Loan Personal Loan
  • Credit Score Credit Score
  • Credit Cards Credit Cards
  • Business Loan Business Loan
  • Home Loan Home Loan
  • Bonds Bonds
  • Fixed Deposit Fixed Deposit
  • Mutual Funds Mutual Funds
  • Calculators Calculators
  • Other Loans Other Loans
  • Learn & Resources Learn & Resources

Contact Us

Connect on
Whatsapp

Talk
to Expert

Send Us
an Email

Download App

google-play app-store
customer-support

Talk to Expert

Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

Offers on Paisabazaar are only from Credit Institutions regulated by the RBI
meter

HDFC Credit Card Reward Points: How to Redeem, Rewards Catalogue

HDFC Credit Cards reward you with points when you use a rewards credit card for making payments. You can use the earned reward points by redeeming them across vouchers from top brands as listed in the product catalogue, against cashback, as air miles, and for flight and hotel bookings at the Unified SmartBuy portal. On this page, we have covered important details about HDFC reward points-how to earn & redeem, product catalogue, etc.

Check Pre-Approved Credit Cards
for you in Just One Click

  • 50+ Credit Cards from Top Banks

  • Compare Best Offers

  • Completely Digital Process

Digits Only

Error: This is invalid mobile number

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
Error: Please accept the undertaking to proceed further
×

Exclusive Pre-Approved Cards waiting for you

  • 50+ Credit Cards from Top Banks

  • Compare Best Offers

  • Completely Digital Process

Error: Please enter a valid number

Home Credit Card HDFC Bank Credit Card Reward Points
meter
Updated: 26-08-2025 11:25:35 AM

You can use your HDFC Credit Card, across multiple categories such as travel, shopping, dining, and grocery- and can earn rewards on almost all of them. The rewards can be both ‘earned and redeemed’, offline and online. While earning reward points can help you save on your expenses, redeeming them can help you maximize the benefits. On accumulating your reward points over time, you can redeem them against vouchers, ticket bookings, or cashback as per your requirement and what best fits your lifestyle. Read on to know more.

On this page:
Top HDFC Credit Cards for Earning Reward Points
How to Earn HDFC Credit Card Reward Points
How to Check HDFC Credit Card Reward Points
How to Redeem HDFC Credit Card Reward Points
HDFC Credit Card Rewards Catalogue
Features of HDFC Credit Card Reward Points
FAQs

Top HDFC Credit Cards for Earning Reward Points

With the right HDFC credit card, you can shop and save at the same time by earning reward points. Below mentioned are some of the top HDFC credit cards for reward points:

HDFC Infinia Credit Card
infinia-credit-card
4/5

Joining fee: ₹12500

Annual/Renewal Fee: ₹12500

Unlimited airport lounge access for primary and add-on members

10x reward points on travel and shopping spends on Smartbuy

Travel
Premium
Rewards
Check Eligibility

Product Details

  • 1 RP = 1 Air Mile or Rs. 1 for travel bookings, Apple products and Tanishq vouchers purchased via SmartBuy
  • Invite-only card with Club Marriott membership and 12,500 reward points on card activation & renewal
  • 5 reward points on every Rs. 150 spent, including spends on insurance, utilities and education​
  • Access to unlimited golf games and lessons across premium golf courses worldwide
  • Book 3 nights stay at participating ITC hotels and pay for 2 with 1+1 complimentary weekend buffet
  • Low forex mark-up fee of 2%
Know More

HDFC Diners Club Black Metal Edition Credit Card
hdfc-diners-club-black-credit-card
4/5

Joining fee: ₹10000

Annual/Renewal Fee: ₹10000

Unlimited airport lounge access for primary and add-on members

High base rewards rate of 3.33% with 5 reward points per Rs. 150 spent

Travel
Premium
Rewards
Check Eligibility

Product Details

  • Up to 10X reward points on SmartBuy and 2X on weekend dining with up to 1:1 redemption ratio
  • Annual memberships of Club Marriott, Amazon and Swiggy One on joining
  • Low forex markup fee of 2% and renewal of annual complimentary memberships on Rs. 8 lakh annual spends
  • 10,000 reward points on spending Rs. 4 lakh or more in a quarter
  • 6 complimentary golf games in a calendar quarter
Know More

HDFC Regalia Gold Credit Card
hdfc-regalia-gold-credit-card
4/5

Joining fee: ₹2500

Annual/Renewal Fee: ₹2500

5X reward points on Nykaa, Myntra, Marks & Spencer and Reliance Digital

4 reward points per Rs. 150 across all retail spends

Travel
Shopping
Rewards
Check Eligibility

Product Details

  • Complimentary Swiggy One & MMT Black Elite Memberships
  • Gift voucher worth Rs. 2,500 on the payment of joining fee
  • 6 complimentary international lounge visits & 12 complimentary domestic airport lounge visits per year
  • Marks & Spencer/ Reliance Digital/ Myntra/ Marriott vouchers of Rs. 1,500 on Rs. 1.5 Lakh quarterly spends
  • Flight vouchers worth Rs. 5,000 on annual spends of Rs. 5 Lakh
Know More

Tata Neu Infinity HDFC Bank Credit Card
tata-neu-infinity-hdfc-bank-credit-card
3.5/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

Up to 10% value-back on Tata Neu spends

8 domestic and 4 international Priority Pass lounge access per year

Shopping
Check Eligibility

Product Details

  • 5% NeuCoins on all non-EMI spends at Tata Neu & its partner brands
  • Additional 5% NeuCoins on select spends at Tata Neu app/website
  • 1.5% NeuCoins on UPI, non-Tata brand and merchant EMI spends
  • 1,499 NeuCoins after the first spend within 30 days of card issuance
  • Low forex markup fee of 2%
Know More

HDFC MoneyBack+ Credit Card
hdfc-bank-moneyback-plus-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket

Gift vouchers worth Rs. 2,000 every year

Shopping
Rewards
Check Eligibility

Product Details

  • 2 CashPoints per Rs. 150 spent on other categories
  • 500 CashPoints as welcome benefit after the payment of joining fee
  • Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits
Know More

Marriott Bonvoy HDFC Credit Card
marriott-bonvoy-hdfc-credit-card
3/5

Joining fee: ₹3000

Annual/Renewal Fee: ₹3000

Marriott Bonvoy Silver Elite status with 4x MB Points on partner hotel spends

12 airport lounge access each within and outside India per year

Travel
Lounge Access
Check Eligibility

Product Details

  • 1 free night award and 10 Elite night credits as joining bonus
  • 2 complimentary golf access with green fee waiver per quarter across the world
  • 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
  • 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
  • 1 free Night Award each on reaching Rs. 6 lakh, Rs. 9 lakh and Rs. 15 lakh annual spends
Know More

6E Rewards XL Indigo HDFC Credit Card
6e-rewards-xl-indigo-hdfc-credit-card
3.5/5

Joining fee: ₹1500

Annual/Renewal Fee: ₹1500

Free IndiGo flight ticket worth Rs. 3,000 & Indigo 6E Prime Add-on

5% value-back as rewards on IndiGo website and mobile app

Travel
Check Eligibility

Product Details

  • 5 6E Rewards per Rs. 100 spent on IndiGo website or mobile app
  • 3 6E Rewards per Rs. 100 spent on dining, grocery, and entertainment spends
  • 2 6E Rewards per Rs. 100 for all other retail spends
  • 1 complimentary 6E Prime Add-On and Accor Hotel stay voucher as welcome benefit
  • 8 complimentary domestic lounge visits in a year
Know More

IndianOil HDFC Credit Card
indianoil-hdfc-bank-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Up to 6% savings on IndianOil fuel spends

5% fuel points on groceries and bill payment spends

Fuel
Check Eligibility

Product Details

  • 5% fuel points on spends done at IndianOil outlets
  • 1% fuel surcharge waiver, up to Rs. 250 per month, for IOCL fuel spends of Rs. 400 and above
  • 1 fuel point per Rs. 150 spent on other purchases, including UPI, where 1 fuel point = Up to Rs. 0.96
  • Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining
  • Annual fee waived off on spending Rs. 50,000 in a year
Know More

Best Rewards Credit Cards | Check Eligibility for Top Credit Cards

How to Earn HDFC Credit Card Reward Points

You can earn reward points on your HDFC Credit Card, every time you swipe the card (subject to terms & conditions as applicable on minimum transaction value and transaction type, varies from card to card). To maximize reward points earning on the HDFC Credit Card, you must however keep the following things in mind:

  • Choose a credit card that suits your lifestyle the best. For example, if you frequently shop online, then choose a credit card that offers rewards on online shopping.
  • Read about the primary features and benefits closely, this will help you understand the card better in order to maximize your benefits.
  • Check for the expiration date of reward points to maximize your reward benefits. Redeem the earned reward points before the expiry date.

HDFC Millennia Credit Card OfferAlso Read: 7 Strategies to Optimize Your Credit Card Reward Points

How to Check HDFC Credit Card Reward Points

You can check your reward points balance and other details via credit card statement or online through net banking/ mobile banking. Below mentioned are the details regarding how to check HDFC credit card reward points:

Net Banking/ Mobile Banking: Login to your net banking account or mobile app and check the balance on your card by clicking on the “Reward Points” section.

Credit Card Statement: Every month, the bank sends you credit card statement that contains all the information regarding your reward points. You can check your balance and expiry date from the credit card statement.

Exclusive Card Offers from India’s top banks are just a click away

Edit

Error: Please enter a valid number

How to Redeem HDFC Credit Card Reward Points

HDFC Bank lets you redeem your earned reward points via both online and offline modes. You can use the HDFC internet banking facility to redeem your reward points online. Apart from this, you can also post a duly-filled redemption form if you want to redeem your reward points offline. Here are the details regarding how to redeem HDFC credit card reward points:

HDFC Credit Card Reward Points Redemption Online

Step 1: Login to HDFC internet banking using your customer ID and password.
Step 2: Go to the ‘Credit Card’ tab from the top bar.
Step 3: Click on ‘Redeem Reward Points’ on the left panel.
Step 4: Select the credit card for which you want to redeem reward points and click on ‘Continue’ after which you will be redirected to the online redemption portal.
Step 5: On the redemption portal homepage, click on ‘Redeem Reward Points’ and select your ‘Points Range’ and ‘Item Category’ to find the rewards catalogue.
Step 6: Select the items against which you want to redeem your points and confirm the same on your shopping cart.
Step 7: Check the ‘Terms and Conditions’ Box and click on ‘Redeem’ to complete the transaction.

HDFC Credit Card Reward Points Redemption Offline

If you want to redeem HDFC reward points offline, you are required to submit a duly filled redemption form. All you need to do is download the redemption form and post it to the below-mentioned address or can drop it at your nearest credit card dropbox:

Rewards Helpdesk,
HDFC Bank Cards Division,
P.O.Box No. 8654,
Thiruvanmiyur, P.O., Chennai
600 041

Suggested read: How to Use Credit Card Reward Points

                        How to convert HDFC credit card reward points into Air Miles?

HDFC Bank lets you convert your earned reward points into Air Miles and use them on future flight bookings, which is a great deal if you are a frequent flyer. However, the conversion ratio of reward points into Air Miles varies from one card to another. You can use the Air Miles to buy air tickets. All you need to do is submit a duly-filled redemption form at the bank or visit the net banking portal and send a request to convert your reward points into Air Miles.

Important Changes in HDFC Reward Points Program

HDFC Bank has changed the capping on reward points redemption across different categories, as shown below:

1- Redemption of reward points against flights & hotel bookings through the SmartBuy portal will be capped at-

  • 1,50,000 reward points per month for HDFC Infinia
  • 75,000 reward points per month for HDFC Diners Club Black
  • 50,000 reward points per month for all other card

2- Redemption of reward points against Tanishq vouchers through the SmartBuy portal will be capped at 50,000 reward points per month for HDFC Infinia Credit Card

3- The reward points earned on grocery transactions will be capped at-

  • 2,000 points per month for Infinia, Diners Club Black, Regalia, Regalia Gold, Regalia first, Business Regalia, Business Regalia first, Diners Club Privilege, Diners Club Premium, Diners Clubmiles and Tata Neu Infinity cards
  • 1,000 points per month for all other HDFC credit cards

4- Rent payment through credit cards will not earn any reward points

5- Government-related and education-related transactions will not earn reward points on all the cards except Business Regalia, Business Regalia First, Business MoneyBack, CSC Small Business MoneyBack, Paytm Business, Flipkart Business, Retailio, Best Price Save Smart, Best Price Save Max and Pinelabs

Click here to know more details regarding these updates.

Prefer getting Cashback over Reward Points?

Get a Cashback Credit Card and save yourself from the hassle of collecting reward points and redeeming them later. With a cashback credit card, you will get:

  • Instant transfer of cashback amount into your card account
  • No fee or charge to avail cashback
  • Cashback as high as 10% on selected credit cards

Also Read: 4 Questions To Ask About Your Credit Card Rewards

HDFC Credit Card Rewards Catalogue

HDFC Bank also offers a range of e-gift vouchers from some of the best brands. You can simply show the e-voucher’s SMS or email at the respective store at the time of billing to use your e-voucher. Here is a list of top brands that are available under the HDFC credit card rewards catalogue:

Top Brands: HDFC Credit Card Rewards Catalogue E-vouchers
  • Shoppers Stop
  • Hidesign
  • Joy Alukkas
  • Central
  • Kalyan Jewellery
  • Lifestyle
  • Croma
  • Raymond
  • FastrackMax Fashion
  • VLCC
  • BookMyShow
  • Westside
  • Pantaloons
  • Titan
  • Bata

Additionally, you can also redeem your earned reward points against the products available under HDFC credit card reward points catalogue. The earned reward points can be redeemed on the below-mentioned categories:

HDFC Credit Card Rewards Catalogue Categories
  • Lifestyle
  • Headphones & Speakers
  • Travel & Luggage
  • Storage Devices
  • Travel Accessories
  • Gift Vouchers
  • E-vouchers
  • Tupperware
  • Home & Kitchen Appliances

Note: Rewards catalogue updated by the bank from time to time, so you must check the latest catalogue on the bank’s website.

Get the RIGHT CREDIT CARD as per your requirements

Apply Online

Features of HDFC Credit Card Reward Points

HDFC Bank has a credit card rewards programme, namely MyRewards, under which you can earn and redeem your reward points. Each credit card has a different rewards structure, hence, HDFC credit card reward points value in rupees varies from card to card. Below mentioned are a few things that you must keep in mind before earning or redeeming the credit card reward points:

  • A minimum of 500 points are required to initiate rewards redemption
  • You are required to fill out a reward redemption form to redeem the earned reward points
  • Note down the Redemption Order Number for future queries or complaints
  • The items will be sent to your registered communication address. If you want the same to be delivered at a different address, you can speak to HDFC credit card customer care
  • If you own multiple HDFC credit cards, the reward points on multiple cards cannot be pooled
  • If you redeem your points against gift vouchers, you must use the same before the expiry date of the voucher
  • The item purchased against reward points of HDFC Credit Card can be exchanged/ returned only if it is defective. In any other scenario, the items cannot be returned.

Also read: 5 Ways to Maximize Your Credit Card Benefits

Axis-Bank-Credit-Cards-Digitally

FAQs

When does HDFC credit card reward points expire?
HDFC Bank credit card reward points come with a validity of two years. For an instance, if you have a total of 2,000 reward points on 31 March 2020, the reward points will be valid till March 2022. Therefore, it is important to keep an eye on your earned reward points in order to maximize the benefits.

How can I redeem reward points of HDFC credit card against gift vouchers?
HDFC Bank allows you to redeem your earned reward points against products or gift vouchers from the HDFC credit card rewards catalogue. You need to login into your net banking account and redeem the reward points against vouchers of top brands like Croma, BookMyShow, Raymond, Pantaloons and more. These brands can change from time to time as per the bank’s website.

What is the reward redemption fee charged for HDFC credit cards?
The bank charges a reward redemption fee of Rs. 99 from its customers. However, this fee will not be applicable if you want to redeem your reward points as cashback. To do so, you must have a minimum of 2,500 reward points in your card account to process your request.

Can I redeem reward points of HDFC credit card against products?
Yes, you can redeem your earned reward points against products available as per the rewards catalogue. The categories available under the rewards catalogue include travel accessories, storage devices, lifestyle products, eVouchers and more.

What if the merchandise received through HDFC credit card reward points redemption is damaged?
In case you have received a defective item, you can call HDFC credit card customer care to raise a complaint about the same. It is more likely that you will get the item replaced with another.

How to use HDFC credit card reward points?
You can use your reward points of HDFC Credit Card against purchases through the rewards catalogue or against vouchers, Air Miles, cash credit and more. The categories available under the rewards catalogue against which you can redeem your reward points include electronic devices, travel & luggage, accessories, appliances, clothing and much more.

Can I redeem HDFC credit card reward points against cashback?
Yes, you can redeem your accumulated HDFC Credit Card reward points against cashback. However, you must have the minimum count of reward points in your account to process this request, that varies from card to card. Also, no rewards redemption fee is charged for converting reward points into cashback.

How many HDFC credit card reward points I can redeem at a time?
There is no limit to the redemption of reward points. However, you need to accumulate a minimum of 500 points in order to make a redemption request. To process your request, you are required to fill out a rewards redemption form and submit it to the bank. You can also claim your reward points by logging in to your net banking account.

Can I transfer my HDFC credit card reward points to another account?
No, you cannot transfer the points to another person’s credit card account or even to another card account. Hence, it is important to keep a check on your reward points to redeem them before they get expired.

meter
Menu