HDFC Credit Card Reward Points: How to Earn & Redeem?

If you are an HDFC Bank credit card holder, you might be wondering how to make the most of your reward points from HDFC credit cards. Reward points are a way of rewarding you for using your credit card for various transactions. You can earn reward points in almost all categories, such as travel, shopping, dining, or grocery. But how can you redeem your reward points for the best value? And what are the different options available for redemption?

In this blog, we will answer these questions and more about the reward points of HDFC Credit Cards. We will explain how to register your credit card for reward points redemption, how to check your reward points balance, and how to redeem your reward points.

Top HDFC Credit Cards for Reward Points

There are various HDFC bank reward point credit cards available for customers with varying features, benefits, and user experiences. With a multitude of credit cards, individuals would benefit from having a curated list of the best HDFC Credit Cards for reward points. Given below is a table of top credit cards by HDFC that can be availed of for their reward point benefits. 

Credit Card	Reward Points	Additional Reward Points
HDFC MoneyBack	2 Reward points for every Rs 150	4 Reward points for every INR 150 spent online
HDFC MoneyBack plus	2 Reward points for every Rs 150	20 Reward points for every INR 150 spent on HDFC Bank SmartBuy
HDFC Millenia Credit Card	5% Cashback on online spending like Amazon, Flipkart, etc.	1% cash back on another spending
HDFC Regalia Credit Card	4 RP for every Rs 150 spent	–
HDFC Diners Club Black Credit Card	5 RP for every Rs 150 spent	10X RP on partner brands

How to Earn HDFC Credit Card Reward Points?

Earning reward points from an HDFC credit card is simple and straightforward. All you need to do is pay for certain categories covered within the card benefits. These categories include groceries, movies, railways, dining, tax spending, etc. The number of reward points on HDFC credit cards you can earn depends on the type of credit card you have and the amount you spend. For example, with the HDFC MoneyBack credit card, you can earn 2 reward points for every INR 150 spent and 4 rewards for every INR 150 spent online.

How to Check HDFC Credit Card Reward Points?

You can check HDFC credit card reward points online through the net banking portal of the bank. You will have to follow a few simple steps as follows:

• Log in to the HDFC Bank Internet banking website.
• Now, click on ‘Cards.’
• Under ‘Credit Cards,’ click on ‘Inquiry.’
• Select the card for which you want to check the reward points and continue.
• The number of Reward Points will be shown on your screen. 

You can also check HDFC credit card reward points through the mobile app by logging in and clicking the “Reward Points” section.

How to Redeem HDFC Credit Card Reward Points?

You can redeem HDFC credit card reward points online or offline. To redeem them online, you need to have a net banking account and follow these steps:

• Log in to the HDFC Bank Internet banking website.
• Now, click on ‘Cards.’
• Under ‘Credit Cards,’ click ‘Register New Card’ if you have not registered your card before. Remember to keep your credit card PIN ready.
• Head to the ‘Redeem Reward Points’ link.
• Pick your card and proceed to the Redemption portal.
• Here, you can browse through various products and vouchers that you can redeem with your reward points. You can also convert your reward points into cash or air miles.
• Once you select the product or voucher, add it to your shopping cart and checkout. You will need to confirm your address and contact details for delivery.
• The product or voucher will be delivered within 10-15 working days.

HDFC Credit Card Rewards Catalogue

HDFC Credit Card Rewards Catalogue is a collection of products and vouchers that can be redeemed by HDFC credit card reward points. You can earn reward points on HDFC credit cards when you use them for various transactions, such as groceries, dining, utility bills, online shopping, etc. The rate of earning reward points varies depending on the type of credit card and the spending category. The reward points can be redeemed online through the HDFC Bank net banking portal. 

You can also convert your reward points into cash or air miles. The reward catalogue includes the categories of electronics, fashion, travel, health and wellness. You can browse the catalogue and choose the product or voucher you want to redeem with your reward points.

Features of HDFC Credit Card Reward Points

Some of the features of HDFC credit card reward points are:

• You can earn reward points when you use your HDFC credit card for various transactions, such as groceries, dining, utility bills, online shopping, etc. The rate of earning reward points varies depending on the type of credit card and the spending category.
• You can redeem your reward points for products and vouchers from the Rewards Catalogue on the HDFC Credit Card rewards website. The reward catalogue includes categories such as electronics, fashion, travel, home and kitchen, health and wellness, etc.
• You can also redeem your reward points for flight/hotel bookings, Air Miles of partner airlines, cashback (adjustment against the card’s statement balance), and Apple/Tanishq vouchers (only applicable for the Infinia Credit Card).
• You can redeem your reward points online through the HDFC Bank net banking portal or offline by mailing a redemption form to the bank.
• You can also link your HDFC RuPay credit card with a UPI app of your choice and earn reward points on both regular and UPI transactions.

Convert Your HDFC Reward Points

Customers have the provision to use the HDFC bank reward points and get them changed into cashbacks and other benefits. The minimum redemption value should be INR 500, and INR 99 would be charged as a convenience fee per redemption. The value of one reward point is Rs. 0.25. You can redeem your reward points for cashback by following these steps:

• Sign in to your net banking account from the HDFC website. 
• Select your card under the Card section. Navigate through enquire and redeem rewards points to get there.
• Get to ‘cash redemption’ from ‘redeem reward points’ on the ‘MyReward portal’. 
• Proceed after providing the point value that you want to redeem. 
• The cash credit will be reflected in your account within a week.