HDFC Credit Card Reward Points
Every HDFC Bank Credit Card offers reward points on making purchases with the card. The reward points vary across all credit cards (the minimum spend value on which you can earn rewards may also vary from card to card). You can redeem the reward points against airmiles, cashback values, shopping vouchers, etc as per the HDFC Bank Rewards Catalogue, when you accumulate a minimum of 500 reward points. Reward benefits on some of the top HDFC Bank Credit Cards are listed as follows:
| HDFC Credit Cards | Reward Points | Special/Extra Reward Earnings | Milestone/Joining Perks |
| HDFC Regalia Credit Card | 4 Reward Points for every Rs. 150 | N/A | 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 |
| HDFC Moneyback Credit Card | 2 Reward Points for every Rs. 150 | 4 Reward Points per Rs.150 for online spends | N/A |
| HDFC Freedom Credit Card | 1 Reward Points for every Rs. 150 | 5X Reward Points on Movies/Groceries/Dining/Railways/Taxi spends 10X Reward Points on PayZapp & SmartBUY spends 25X Reward Points on Birthday spends | Welcome Benefit of 500 Reward Points |
| Intermiles HDFC Bank Signature Credit Card | 6 Intermiles per Rs.150 | 12 Intermiles per Rs.150 spent on every flight ticket booked on www.intermiles.com | 3,000 Intermiles upon spending Rs. 6,000 in the first 30 days of card activation 5,000 Intermiles on total retail spends of Rs. 90,000 and above within the first 90 days |
| HDFC Bank Diners ClubMiles Credit Card | 4 Reward Points for every Rs. 150 | N/A | N/A |
| HDFC Bank Diners Club Rewardz Credit Card | 3 Reward Points for every Rs. 150 | N/A | N/A |
| HDFC Diners Club Privilege Credit Card | 4 Reward Points for every Rs. 150 | N/A | N/A |
*Currently, HDFC Bank is not accepting new applications for HDFC Regalia First Credit Card, however, existing users will continue with the features/benefits on this card.
How to Earn Reward Points on HDFC Credit Cards?
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 (minimum 500), you can redeem them against gift vouchers, merchandise or statement credit (cashback).
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. Some spend based reward benefits on HDFC Bank Credit Cards are as follows:
| Spend Based Reward Points on HDFC Credit Cards | |
| HDFC Freedom | 5X Reward Points on Movies/Groceries/Dining/Railways/Taxi 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 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 at premium restaurants |
| Intermiles HDFC Bank Platinum | 2X JPMiles for flight ticket booked on Jet Airways website |
| HDFC Bank Platinum Edge | 50% more Reward Points on dining spends at premium restaurants |
| HDFC Bank Titanium Edge | 50% more Reward Points on dining spends at premium restaurants |
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 the expiry period. Some cards may offer validity of 3 years or more. You can check the terms and condition on HDFC’s website.
Suggested Read: Best Credit Card in India
How to Redeem HDFC Credit Card Points?
There are two ways to redeem your HDFC credit card reward points- Online and Offline
1- HDFC Credit Card 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
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2- HDFC Credit Card Offline Reward Redemption through Post
You 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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HDFC Credit Card Rewards Catalogue
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.
Redeem HDFC Reward Points for Cashback
Some HDFC Credit Cards such as HDFC Platinum Edge Credit Card, HDFC Titanium Edge Credit Card, HDFC MoneyBack Credit Card and HDFC Freedom Credit Card 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.
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.
| HDFC Bank Reward Conversion to JPMiles* | ||
| HDFC Credit Card | Reward Points | InterMiles (Previously JP Miles) |
| 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 / Business 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 | 1,000 | 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.
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HDFC Credit Card Reward Points FAQs
How to redeem HDFC credit card points?
There are two ways of redeeming HDFC credit card reward points – Online and Offline. The process of HDFC credit card reward point redemption online is easier and more commonly used. You can redeem the rewards to get vouchers, merchandise, cashback, air miles and more.
Do HDFC credit card reward points expire?
Yes. In general, HDFC Credit Card 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 credit cards 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.