HDFC Credit Cards Reward Points

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.

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. You can check the terms and condition on HDFC’s website.

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There are two ways to redeem your HDFC credit card reward points- Online and Offline

1- Online Rewards Redemption

In order to redeem HDFC Credit Card reward points online, you need to register your credit card for net banking. If you have already registered, follow the steps given below to redeem-

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

• 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- 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.

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The following items are included in HDFC Rewards Catalogue-

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.

Redeem HDFC Reward Points for Cashback

Some HDFC Credit Cards offer the option to convert reward points into cashback. The value of HDFC credit card reward points in cash may vary from one card to another.

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

Convert HDFC Credit Card Reward Points into Air Miles

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.

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

How to redeem HDFC 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, Rs.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.