HDFC Bank provides reward points on almost all cards, be it a travel credit card, shopping card, dining credit card or a grocery credit card. HDFC credit card reward points can be earned by users every time they swipe their card at a store or use it online. Below are some of the methods of how to redeem HDFC credit card reward points that can be helpful to you.
| On this page |
| HDFC Credit Cards | Reward Points | Special/Extra Reward Earnings | Milestone/Joining Perks |
| Regalia HDFC | 4 Reward Points for every Rs.150 | 9 Club Vistara(CV) Points for every Rs.100 | 10,000 Reward Points on spending Rs.5 Lakh in an anniversary year 5,000 Additional Reward Points on reaching spend of Rs. 8 lakh in the same year |
| HDFC Regalia First | 4 Reward Points for every Rs.150 | N/A | 5,000 Reward Points on spending Rs.3 lakh in an anniversary year 2,500 Additional Reward Points on reaching spend of Rs.6 lakh in the same year |
| MoneyBack HDFC | 2 Reward Points for every Rs.150 | 4 Reward Points per Rs.150 for online spends | N/A |
| HDFC Freedom | 1 Reward Points for every Rs.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 Rs. 150 | 18 JPMiles on every Rs.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 Rs.75,000 and above within the first 90 days |
| HDFC Bank Diners ClubMiles | 4 Reward Points for every Rs.150 | 10X Reward Point earning on International spends* | N/A |
| HDFC Bank Diners Club Rewardz | 3 Reward Points for every Rs.150 | 10X Reward Point earning on International spends* | N/A |
| JetPrivilege HDFC Bank Diners Club Credit Card | 8 JPMiles on every Rs.150 | 24 JPMiles on every Rs.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 Rs. 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 | 10X Reward Point with partner brands; 2X rewards on weekend dining |
| 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 Rs.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 can download the form.
There are two ways to redeem your HDFC credit card reward points- Online and Offline
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’ 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.
Things to Keep in Mind
2- Offline Reward Redemption through Post
HDFC Credit Cardholders 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. |
Once you know how to redeem hdfc credit card reward points, there are two more options – 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.
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 at the bank’s/airline’s discretion.
How to redeem HDFC credit card reward points?
There are two ways of redeeming HDFC credit card reward points – Online and Offline. In both the methods once you redeem the reward points, you can use these by converting them for Air Miles or for Shopping.
Do HDFC credit card reward points expire?
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.
Does HDFC Bank charge any fee for reward redemption?
No, the bank does not charge any amount for reward redemption. However, ₹ 99 will be charged towards handling charges for goods and services.
How much time does it take for HDFC credit card reward redemption?
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.
Where can I use my gift vouchers?
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 the Lifestyle store.
What if the merchandise received 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 likely that you can get the item replaced with another.