Best HDFC Bank Rewards Credit Card 2026

What is the HDFC Bank Rewards Credit Card?

An HDFC Bank rewards credit card lets users earn redeemable points on their spending, rather than providing instant savings. Each card has a unique points-earning structure, and points are credited to the cardholder’s account for redemption on HDFC Bank’s rewards platform.

This card is suitable for users who frequently use their card and want flexibility in redeeming benefits, making it a practical choice for long-term value within HDFC Bank’s rewards program in India.

Key Benefits of HDFC Bank Rewards Credit Card

HDFC Bank offers reward-based credit cards across different spending levels, which makes it easier for users to find an option that fits their lifestyle. Some of the key benefits are mentioned below:

• Reward Points on Everyday Spending: Cards like the MoneyBack Plus Credit Card are designed for regular use and allow users to earn reward points (CashPoints) on routine shopping and bill payments, making them suitable for day-to-day expenses.
• Higher Rewards: With cards such as the Regalia Gold Credit Card, cardholders can earn up to 5X reward points on partner brands like Myntra and Nykaa. This benefits users who spend more on lifestyle and online shopping.
• Premium Rewards for High Spenders: Premium options such as the Infinia Metal Credit Card and Diners Black Metal Credit Card are designed for higher spending. These cards offer enhanced rewards and exclusive privileges, accelerating reward accrual for large-value transactions.
• Travel and Lounge Access Benefits: Higher-tier cards, such as Regalia Gold, Infinia Metal, and Diners Black Metal, include complimentary domestic and international airport lounge access, adding value for frequent travellers in addition to reward points.
• Welcome and Spend-Based Benefits: HDFC rewards cards offer joining benefits or vouchers for paying the joining fee, and some provide additional privileges after meeting spending thresholds, such as Regalia Gold and Diners Black Metal.

Who Should Apply for the HDFC Bank Rewards Credit Card?

To choose the right HDFC Bank rewards credit card, consider your spending habits and goals.

• Maximise reward points on everyday bills and shopping.
• Shop frequently with HDFC Bank’s retail and lifestyle partners.
• Prefer cashback options along with reward points.
• Shop online regularly to earn accelerated rewards on digital purchases.
• Travel occasionally for lounge access and travel perks.
• Make large purchases and want flexible point redemption options.

Fees & Charges of HDFC Bank Rewards Credit Card

It’s important to review all fees before applying for a credit card. Here are the fees and charges associated with HDFC Bank rewards credit cards:

Eligibility Criteria of HDFC Bank Rewards Credit Card

HDFC Bank assesses key factors to determine eligibility and credit limits for rewards credit card applications.

Documents Required for HDFC Bank Rewards Credit Card

To apply for the HDFC Bank rewards credit card, you’ll need the following documents:

How to Earn HDFC Bank Credit Card Reward Points

HDFC Bank’s rewards credit cards prioritise regular card usage over occasional spending. You earn reward points based on how and where you use the card, turning everyday transactions into opportunities for earning.

• Earn points on eligible retail transactions as defined by HDFC Bank
• Get accelerated rewards on select partner brands and platforms
• Use SmartBuy and other HDFC-linked portals for higher reward rates
• Meet card-specific spend milestones to unlock additional points
• Note that some categories, like fuel or government payments, may not earn points
• Monthly caps may apply to reward points for specific spend categories
• Points are credited once the transaction is successfully processed

Validity of HDFC Bank Credit Card Reward Points

HDFC Bank’s rewards credit card points are valid for 24 months from the date of credit. If not redeemed within this period, they will expire automatically and cannot be reinstated. To avoid losing points, regularly check your reward balance and plan your redemptions accordingly.

How to Redeem HDFC Bank Credit Card Reward Points

HDFC Bank lets cardholders redeem reward points through its digital platforms. Once they have accumulated enough points, users can select their preferred redemption option.

• Log in to HDFC Bank NetBanking using your registered credentials
• Open the credit card section from the dashboard
• Select the option to redeem reward points
• Choose your credit card to view available reward options
• Redeem points for cashback against your card bill
• Redeem points for vouchers or products from the rewards catalogue
• Use reward points on HDFC SmartBuy for travel or shopping bookings
• Follow the on-screen steps to complete the redemption

How to Apply Online for HDFC Bank Rewards Credit Card through Urban Money?

Urban Money offers a convenient digital platform to apply for HDFC Bank rewards credit cards, allowing you to explore card options and complete the application process online without visiting a branch.

• Visit the com website and go to the credit cards section
• Search for HDFC Bank rewards credit cards.
• Compare options like MoneyBack Plus, Regalia Gold, Infinia Metal, and Diners Black Metal.
• Choose a card that fits your spending needs.
• Click “Apply Now.”
• Fill in your name, mobile number, and city.
• Upload KYC and income documents.
• Submit your application for review.
• Wait for a representative to contact you to verify and proceed with further processing.