HDFC Credit Cards Reward Point

HDFC Credit Cards	Reward Points	Special/Extra Reward Earnings	Milestone/Joining Perks
Regalia HDFC	4 Reward Points for every ₹ 150	9 Club Vistara(CV) Points for every ₹ 100	10,000 Reward Points on spending ₹ 5 Lakh in an anniversary year 5,000 Additional Reward Points on reaching spend of ₹ 8 Lakh in the same year
HDFC Regalia First	4 Reward Points for every ₹ 150	N/A	5,000 Reward Points on spending ₹ 3 Lakh in an anniversary year 2,500 Additional Reward Points on reaching spend of ₹ 6 Lakh in the same year
MoneyBack HDFC	2 Reward Points for every ₹ 150	4 Reward Points per ₹ 150 for online spends	N/A
HDFC Freedom	1 Reward Points for every ₹ 150	5X Reward Points on Movies/Groceries/Dining/Railways/Taxis spends 10X Reward Points on PayZapp & SmartBUY spends 25X Reward Points on Birthday spends	Welcome Benefit of 500 Reward Points
JetPrivilege HDFC Bank World	6 JPMiles for every ₹ 150	18 JPMiles on every ₹ 150 spent on every flight ticket booked on Jet Airways website	3,750 JPMiles upon first swipe of your card 3,750 JPMiles on total retail spends of ₹ 75,000 and above within first 90 days
HDFC Bank Diners ClubMiles	4 Reward Points for every ₹ 150	10X Reward Point earning on International spends*	N/A
HDFC Bank Diners Club Rewardz	3 Reward Points for every ₹ 150	10X Reward Point earning on International spends*	N/A
JetPrivilege HDFC Bank Diners Club Credit Card	8 JPMiles on every ₹ 150	24 JPMiles on every ₹ 150 spent on every flight ticket booked on www.jetairways.com	15,000 JP Miles upon the first swipe on your card 15,000 Additional JPMiles on spending  ₹ 1.5 Lakh within 90 days

Every time you make purchases through your credit card, reward points get credited into your credit card account. After you have accumulated a certain number of reward points, you can redeem them against gift vouchers. So, how can you earn more reward points on your HDFC credit card?

Based on the type of credit card you own, you can plan your expenses in a way that it helps you collect more reward points. For example, HDFC MoneyBack Credit Card offers double rewards on online shopping so you can put your online expenses on the card to maximize your reward points. On the other hand, HDFC Bank Diners ClubMiles lets you earn 10-times more rewards when you use it for international spends so if you want to earn more rewards, you should use this credit card when travelling abroad.

Spend Based Reward Points on HDFC Credit Cards
HDFC Freedom	5X Reward Points on Movies/Groceries/Dining/Railways/Taxis spends 10X Reward Points on PayZapp & SmartBUY spends 25X Reward Points on Birthday spends
HDFC Bank Diners Club Rewardz	10X Reward Point earning on International spends*
MoneyBack HDFC	2X Reward Points for online spends
HDFC Diner Club Black	10 X Reward Point on International spends
JetPrivilege HDFC Bank Signature / World	3X JPMiles for flight ticket booked on Jet Airways website
HDFC Platinum Plus	50% more Reward Points for spends over ₹ 50,000
HDFC Bank Solitaire	50% more Reward Points on dining and grocery spends
HDFC Bank Superia	50% more Reward Points on dining spends
JetPrivilege HDFC Bank Platinum	3X JPMiles for flight ticket booked on Jet Airways website
HDFC Bank Platinum Edge	50% more Reward Points on dining spends
HDFC Bank Titanium Edge	50% more Reward Points on dining spends
JetPrivilege HDFC Bank Select / Titanium	3X JPMiles for flight ticket booked on Jet Airways website

You should also keep in mind that reward points are not for lifetime; they expire after a given time period. On most of HDFC credit cards, the reward points are valid for 2 years only so you should redeem them before that period. Some cards may offer a validity of 3 years or more.

There are two ways to redeem your HDFC credit card reward points- online and through post.

1- Online Rewards Redemption

In order to redeem the rewards online, you need to register your credit card for net banking. If you have already registered, follow the steps given below to redeem your HDFC credit card reward points 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 points and click on ‘Continue’. You will be redirected to the Online Redemption Portal.
Step 5- On the redemption portal homepage, click on ‘Redeem Reward Points’. 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.

Things to Keep in Mind

• 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, speak to HDFC Credit Card Customer Care.
• A minimum of 500 points is required to initiate rewards redemption.
• 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 can be exchanged/returned only if it is defective. In any other scenario the items cannot be returned.

2- Reward Redemption through Post

HDFC Credit Card holders can also download the reward redemption form, fill it and mail at the customer care address of HDFC Bank. You can download the form here.

The following items are included in HDFC Rewards Catalogue-

Electronics	Mobile Phones, Speakers and Headphones, Pen Drives, Hard Disks, etc.
Travel and Luggage	Duffle Bag & Backpacks
Personal Care	Perfumes for Men and Women, Trimmers and Shavers, Hair Dryer, etc.
Home and Kitchen	Induction Cooktop, Juicer Mixer Grinder, Air Fryer, Electric Kettle, Blenders and Choppers, Iron, Cordless Landline Phones, Casserole, Dinner Sets, Tool Kit, Storage Items, etc.

There are two more options for the card holders- direct cash credit and air mile conversion.Apart from these, HDFC Bank also offers a range of gift vouchers from some of the best brands. For different items, you need to have the specified number of reward points based on the type of your credit card. Please note that the reward catalogue is updated by the bank from time to time, so you must check the latest catalogue on the bank’s website.

HDFC Bank Cashback Credit Cards

• HDFC Platinum Edge Credit Card
• HDFC Titanium Edge Credit Card
• HDFC MoneyBack

Secondly, there are a number of HDFC Bank credit cards that offer the feature of reward point’s conversion into air miles. The rate of conversion is different for different airline brands.

HDFC Bank Reward Conversion to JPMiles*
HDFC Credit Card	Reward Points	JPMiles
Infinia / Diners Black / Diners ClubMiles	100	100
Regalia / Corporate Premium / Business Corporate Premium / Business Regalia / Business Corporate Regalia / Doctor’s Regalia / Diners Premium	200	100
Moneyback / Solitaire / Business Moneyback / Bussiness Corporate Moneyback	400	100
Silver / Gold / Titanium / Times Titanium/ Platinum / Teacher’s platinum / Times Platinum / Doctor’s Platinum / Corporate Gold / Corporate Silver / Titanium Edge/ Platinum Edge	1000	100
Signature / World / Superia/ Doctor’s Superia / All Miles	667	100
Corporate Platinum / Business Corporate Platinum / Corporate Diners / Business Corporate Diners	357	100
Corporate Signature / Corporate World / Corporate Redemptions / Business Corporate Signature / Business Corporate World / Diners Rewardz / Regalia First / Business Regalia First	200	100
Maruti Nexa All Miles	133	100

*The conversion rate is subject to change timely at the bank’s/airline’s discretion.

Q. Do HDFC credit card reward points expire?
A. Yes. Reward points are valid for 2 years only. Some premium credit cards such as HDFC Diners Club Black Credit Card offer a reward point validity of 3 years.

Q. Does HDFC Bank charge any fee for reward redemption?
A. No. The bank does not charge any amount for reward redemption. However, ₹ 99 will be charged towards handling charges for goods and services.

Q. How much time does it take for HDFC credit card reward redemption?
A. After sending the redemption request, it takes 10-15 days for the bank to approve the same and dispatch a product or send e-voucher code on your registered mobile number.

Q. Where can I use my gift vouchers?
A. The gift vouchers received against HDFC credit card reward points can only be redeemed at the brand store. For example, if you have received a gift voucher from Lifestyle, you can use it at Lifestyle store.

Q. What if the merchandise received is damaged?
A. 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 likely that you can get the item replaced with another.