HDFC credit cards let you earn reward points on almost all categories, be it travel, shopping, dining or grocery.You can redeem your earned reward points against the products like headphones, travel accessories, storage devices, appliances and much more via HDFC Credit Card reward points catalogue. You can choose the products as per your requirements and lifestyle. Here are all the details on how you can earn and redeem HDFC credit card rewards.
Top HDFC Credit Cards for Earning Reward Points
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:
|Credit Card||Annual Fee||Reward Benefits|
|HDFC Regalia Credit Card||Rs. 2,500||4 reward points on every Rs. 150 spent on the retail category|
|HDFC MoneyBack+ Credit Card||Rs. 500||Up to 10X CashPoints on your spends at partnered merchants|
|InterMiles HDFC Signature Credit Card||Rs. 2,500||Up to 12 InterMiles per Rs. 150 spent on flight and hotel bookings|
|HDFC Diners Club Rewardz Credit Card||Rs. 1,000||3 reward points for every Rs. 150 spent|
|HDFC Diners ClubMiles Credit Card||Rs. 1,000||4 reward points for every Rs. 150 spent|
|HDFC Diners Club Privilege Credit Card||Rs. 2,500||Up to 10X reward points on spends via SmartBuy|
Best Rewards Credit Cards | Check Eligibility for Top Credit Cards
|HDFC Bank has revised its rewards program and other terms & conditions from January 1, 2023. The bank has imposed a few restrictions on the redemption and earning of reward points of HDFC Credit Card. In addition to this, a few changes have also been made to the HDFC credit card fees and charges related to card payments. Click here to know more.|
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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 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.
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.
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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:
HDFC Bank Cards Division,
P.O.Box No. 8654,
Thiruvanmiyur, P.O., Chennai
Suggested read: How to Use Credit Card Reward Points
Important Changes in HDFC Reward Points Program from 1st 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 Credit Card Rewards Catalogue
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
- Storage Devices
- 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.
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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
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.