HDFC Credit Card Reward Points: How to Earn & Redeem

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

Best Rewards Credit Cards | Check Eligibility for Top Credit Cards

7 Strategies to Optimize Your Credit Card Reward Points | 4 Questions To Ask About Your Credit Card Rewards

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 thing 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.

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.

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

Important Changes in HDFC Reward Points Program from 1^st Jan 2023

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

HDFC Bank also offers a range of gift vouchers from some of the best brands. You can 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:

• Headphones & Speakers
• Travel Accessories
• Tupperware
• Lifestyle
• Storage Devices
• E-vouchers
• Travel & Luggage
• Gift Vouchers
• Home & Kitchen Appliances

Click here to download the HDFC credit card rewards catalogue.

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

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

When does HDFC credit card reward points get 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 your 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.