HDFC Bank is one of the leading credit card issuers in India, offering a wide range of cards with attractive reward programs. If you hold an HDFC credit card, you might have accumulated thousands of reward points—but are you making the most of them?
What Are HDFC Credit Card Reward Points?
Every time you spend using your HDFC credit card, you earn reward points. The number of points earned depends on your card type and the category of your spending (e.g., shopping, dining, travel, etc.).
HDFC Regalia: Earns 4 reward points per ₹150 spent.
HDFC Millennia: Offers cashback-style rewards, but also earns points on select categories.
HDFC Infinia: Premium card with 5 points per ₹150 on most spends.
How to Check Your HDFC Reward Points Balance
There are multiple ways to check your HDFC reward points:
1. NetBanking
- Log in to HDFC NetBanking
- Go to Cards > Enquire > Credit Card Hotlisting/Reward Points Summary
- You'll see your available reward points and their monetary value
2. HDFC MyCards App
- Download and log in to the HDFC MyCards app
- View your rewards balance on the home screen
3. Monthly Statement
- Check the last page of your credit card statement for reward summary
How to Redeem HDFC Credit Card Reward Points
HDFC Bank allows reward point redemption across multiple platforms:
1. SmartBuy Rewards Portal
SmartBuy is HDFC's official platform for booking flights, hotels, shopping vouchers, and more using your points.
You can redeem:
- Flight tickets
- Hotel bookings
- Shopping vouchers (Amazon, Flipkart, BigBasket, etc.)
- Electronics & lifestyle products
📝 Pro Tip: Infinia and Diners Club Black cardholders often get 33% extra value when redeeming via SmartBuy.
2. Catalogue Redemption
- Visit HDFC NetBanking > Cards > Redeem Reward Points
- Choose from a catalogue of products and vouchers
- Shipping charges may apply in some cases
3. Cashback / Statement Credit (Available on select cards)
Some cards like Regalia First or MoneyBack allow you to convert reward points into direct cashback, credited to your card account.
Typically: 1 Reward Point = ₹0.20 to ₹0.35, depending on the card
Best Ways to Maximize HDFC Reward Redemption
- Use SmartBuy for travel bookings if you have premium cards (Infinia, Diners Club) to get the best point-to-value ratio.
- Combine points with partial payment for expensive items like flight tickets or gadgets.
- Check expiry: Most HDFC reward points are valid for 2 years from the date of accumulation.
- Redeem before points expire, especially if you're not a frequent flyer or big spender.
Reward Point Redemption Charges
HDFC Bank charges a small redemption fee of ₹99 + GST per redemption request, especially for product or voucher redemptions. Factor this in before placing a low-value redemption.
Final Thoughts
HDFC credit cards offer excellent rewards across spending categories, but the key lies in redeeming them smartly. Whether you're booking a flight, ordering a gift voucher, or just reducing your card bill—there's real value in those points.
If you're an HDFC credit card user, log in today and explore your redemption options. Those points sitting idle could fund your next weekend trip or that Diwali gift!
Frequently Asked Questions
How do I check my HDFC credit card reward points?
You can check your HDFC reward points through NetBanking by going to Cards > Enquire > Credit Card Hotlisting/Reward Points Summary, through the HDFC MyCards app, or by checking the last page of your monthly credit card statement.
What is the best way to redeem HDFC credit card reward points?
The best value comes from redeeming points through SmartBuy for travel bookings (especially for Infinia and Diners Club Black cardholders who get 33% extra value). Gift vouchers and statement credit are also good options, offering ₹0.20-₹0.35 per point depending on the card.
Do HDFC credit card reward points expire?
Yes, most HDFC reward points are valid for 2 years from the date of accumulation. It's recommended to redeem your points regularly rather than accumulating them for too long.