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Earning and redeeming HDFC credit card reward points is a straightforward process that allows you to get value back from your everyday spending. You can accumulate points through various transactions, both online and offline, and then redeem them for products, gift vouchers, cashback, flight bookings, and more, primarily through HDFC NetBanking and the SmartBuy portal. This guide will walk you through all the methods to maximize your rewards.
How to Earn HDFC Credit Card Reward Points
You earn HDFC credit card reward points by making transactions with your card. The number of points you earn typically depends on the type of HDFC credit card you hold and the specific spending categories. Higher-value purchases generally lead to more points, which can even be used to offset outstanding dues.
To maximize your earnings, it’s crucial to select a credit card that aligns with your spending habits. For example, if you frequently shop online, choose a card that offers accelerated rewards for online transactions. HDFC Bank offers several credit cards with different reward point benefits:
| Credit Card | Rewards |
|---|---|
| HDFC Bank Regalia First Card | 4 points for every Rs 150 spent |
| HDFC Bank Regalia Card | 4 points for every Rs 150 spent |
| HDFC Freedom Credit Card | 1 point for every Rs 150 spent (10X on PayZapp & SmartBuy, 5X on movies, dining, groceries) |
| HDFC Bank Diners Club Black Card | 5 points for every Rs 150 spent (10X on dining, Air Vistara flights, HDFC Infinia website bookings) |
| HDFC Bank Times Card | 2 points for every Rs 150 spent |
| HDFC Bank Moneyback Credit Card | 2 points for every Rs 150 spent |
| HDFC Bank Platinum Times Card | 3 points for every Rs 150 spent |
| HDFC Diners ClubMiles credit card | 4 reward points for every ₹150 spent |
| HDFC Infinia credit card | 5 reward points for every ₹150 spent |
Tips to Accumulate More HDFC Credit Card Reward Points
- Select the Right Credit Card: Choose a card based on your lifestyle and spending patterns.
- Check Transaction Criteria: Review the terms and conditions to understand which transactions yield rewards and any minimum spending requirements.
- Regularly Use Your HDFC Credit Card: Consistent usage for eligible purchases ensures steady point accumulation.
- Be Alert About Expiry Dates: Utilize your points before they expire.
- Use Accelerated Reward Points: Take advantage of special promotional periods or specific spending categories that offer higher points (e.g., SmartBuy offers).
Features of HDFC Credit Card Reward Points
Understanding the key features of your HDFC credit card reward points program can help you make the most of your card:
- A minimum of 500 points is required to initiate redemption.
- Redemption is available both online via NetBanking/SmartBuy and offline via mail.
- Always note your ‘Redemption Order Number’ for future inquiries.
- Items purchased with points are sent to your registered address. You can request delivery to an alternative address by contacting customer care.
- You cannot combine reward points from multiple HDFC credit cards into a single account.
- For gift vouchers, ensure they are used before their expiry date.
- Returns for items bought with points are typically only accepted if the item is defective.
- HDFC Bank charges a redemption fee of Rs 99 for most redemptions, though this fee is waived if you redeem your points as cashback.
How to Check HDFC Credit Card Reward Points Balance
You can easily check your HDFC credit card reward points balance using two main methods:
- NetBanking: Log in to your HDFC NetBanking portal using your customer ID and password. Navigate to the ‘Credit Card’ tab to view your current reward points balance and expiry dates.
- Credit Card Statement: Your monthly credit card statement includes a dedicated section that details your accumulated reward points, recent earnings, redemptions, and their expiry dates.
How to Redeem HDFC Credit Card Reward Points Online
The online redemption process is the fastest and most convenient way to use your HDFC credit card reward points. This method primarily uses the HDFC NetBanking portal.
- Log in to NetBanking: Visit the HDFC NetBanking portal and log in with your Customer ID and Password.
- Navigate to Credit Cards: Click on the ‘Credit Cards’ tab at the top menu. (If it’s your first time, you may need to register your credit card first, which is a one-time activity requiring your four-digit Credit Card PIN).
- Select Redemption Option: On the left-hand navigation bar, click on ‘Redeem Reward Points’.
- Choose Your Card: Select the specific credit card for which you wish to redeem points and click ‘Continue’ to proceed to the Online Redemption portal.
- View Catalogue: On the homepage of the Online Redemption portal, click ‘Redeem Reward Points’. You can then select ‘Points Range’ and ‘Item Category’ to browse the rewards catalogue.
- Select Items: Add your desired products or gift vouchers to the shopping cart. You can review and modify your selections by clicking ‘View Shopping Cart’.
- Accept Terms: Read the Terms & Conditions and tick the checkbox to confirm your acceptance.
- Confirm Redemption: Your registered address, email ID, and contact number will be displayed. Verify these details. Click ‘Redeem’ to confirm the transaction. Make sure to note down the generated Redemption Order Number.
How to Redeem HDFC Credit Card Reward Points Offline
If you prefer an offline method, you can redeem your HDFC credit card reward points by mail:
- Download Form: Download the Rewards Redemption Form from the HDFC Bank website.
- Complete and Post: Fill out the form completely and mail it to: Rewards Helpdesk, HDFC Bank Cards Division, P.O.Box No. 8654, Thiruvanmiyur, P.O., Chennai 600 041. Alternatively, you can drop the filled form at your nearest HDFC Bank credit card drop box.
How to Convert HDFC Credit Card Points Into Cash (Cashback)
Converting your HDFC credit card reward points into cashback is a popular option, effectively reducing your credit card bill. Remember, the Rs 99 redemption fee is waived for cashback redemptions.
- Log in to NetBanking: Access the HDFC NetBanking portal with your Customer ID and Password.
- Navigate to Cards: Go to the ‘Cards’ tab and then click ‘Enquire’.
- Redeem Reward Points: Select ‘Redeem Reward Points’ from the options.
- Choose Your Card: Select your credit card and click ‘Continue’.
- Select Cash Redemption: Click ‘Redeem Reward Points’ again and then choose ‘Cash Redemption’ from the available options.
- Specify Points: Enter the number of points you wish to convert to cash.
The equivalent cashback amount will be credited to your account within approximately seven days.
How to Redeem HDFC Credit Card Points for Insta Vouchers
HDFC credit card reward points can be redeemed for Insta Vouchers from various popular brands like Amazon, Croma, Raymonds, Reliance Digital, and Flipkart.
- Log in to NetBanking: Log in to the HDFC NetBanking portal.
- Navigate to Cards: Go to the ‘Cards’ tab and click ‘Enquire’.
- Redeem Reward Points: Click on ‘Redeem Reward Points’.
- Choose Your Card: Select your credit card and click ‘Continue’.
- Select Insta Vouchers: Click ‘Redeem Reward Points’ and then choose ‘Insta Vouchers’ from the options.
- Select Voucher: Browse the available vouchers, select your preferred brand (e.g., Amazon, Flipkart), and click ‘Redeem’.
The voucher code is usually sent via email or SMS. Note that you can redeem up to 70% of the product/voucher value with reward points and pay the remaining amount via Credit Card (effective February 1, 2023).
How to Use HDFC Credit Card Points For Flight Booking
Booking flights with your HDFC credit card reward points is simple through the HDFC Bank SmartBuy portal.
- Visit SmartBuy: Go to HDFC Bank’s SmartBuy portal.
- Navigate to Travel: Click on the ‘Travel & Stays’ option, then select ‘Compare & Fly’.
- Accept Disclaimer: A disclaimer will appear; click ‘Proceed’ to accept it.
- Enter Trip Details: Input your trip information, including round-trip/one-way/multi-city, number of passengers, origin, destination, and dates.
- Search Flights: Click the ‘Search’ button.
- Select & Book: Choose your desired flight from the listed options and click ‘Book’.
- Log In: Log in with your HDFC credentials and click ‘Continue’.
- Enter Traveller Details: Provide all necessary traveller details (name, phone number, etc.).
- Choose Payment Mode: Select your mode of payment.
- Adjust Reward Points: Utilize your reward points to cover part or all of the payment.
- Enter Card Details: Input your HDFC card details for any remaining balance.
- Verify with OTP: An OTP will be sent to your registered mobile number. Enter it to complete your flight booking.
How to Redeem HDFC Credit Card Points For Hotel Booking
Similar to flight bookings, you can also use your HDFC credit card reward points to book hotel rooms via the SmartBuy portal.
- Visit SmartBuy: Go to HDFC Bank’s SmartBuy portal.
- Navigate to Stays: Click on the ‘Travel & Stays’ option, then select ‘Compare & Stay’.
- Accept Disclaimer: Click ‘Proceed’ to accept the disclaimer.
- Enter Stay Details: Input details such as city name, number of guests and rooms, and check-in/check-out dates. Click ‘Search’.
- Select & Book: Choose your preferred hotel and click ‘Book’.
- Log In: Log in with your HDFC credentials and click ‘Continue’.
- Enter Details: Provide the necessary details to book your room.
- Choose Payment Mode: Select your payment mode.
- Use Reward Points: Apply your reward points to make the payment.
- Enter Card Details: Enter your HDFC card details for any remaining amount.
- Verify with OTP: An OTP will be sent to your mobile number. Enter it to finalize your hotel room booking.
Maximizing Value with HDFC SmartBuy Offers
The SmartBuy portal is a key tool for maximizing the value of your HDFC credit card reward points. It often provides accelerated reward points or cashback on various categories, including flights, hotels, instant vouchers, and specific brands. By utilizing SmartBuy for your purchases, you can earn significantly more points (e.g., 5X or 10X depending on your card) which can then be redeemed for even greater savings.
Earning and redeeming HDFC credit card reward points effectively allows you to get more value from your spending. By choosing the right card, making smart purchases, and utilizing the various online and offline redemption channels, you can make the most of your MyRewards program.
Frequently Asked Questions
Do HDFC credit card reward points expire?
Yes, HDFC credit card reward points typically expire after 2 years from the date they are accumulated. Some premium cards like HDFC Diners Club Black may offer a 3-year validity period.
How much time does it take for HDFC credit card reward redemption?
It generally takes about 7-10 working days for HDFC credit card reward redemption requests to be processed and for merchandise or cashback to be delivered/credited.
Can I pay my HDFC credit card bill through reward points?
Yes, you can pay your credit card bills by converting your HDFC credit card reward points into cashback, provided your card offers this option. The cashback amount is then adjusted against your outstanding bill.
How much is one reward point in HDFC worth?
The value of one HDFC reward point varies depending on the specific credit card and the redemption option. For instance, points might have a higher value when redeemed for flight bookings via SmartBuy compared to product catalogue redemptions.
Does HDFC charge for redeeming points?
Yes, HDFC Bank typically charges a fee of Rs 99 for redeeming reward points. However, this fee is usually waived if you choose to redeem your reward points as cashback.
Can I cancel my Rewards Redemption request?
No, once you have confirmed your reward redemption request, it generally cannot be cancelled.
What if the merchandise received through my HDFC credit card reward points redemption is damaged?
If you receive damaged merchandise, you should contact HDFC Bank customer care immediately to register a complaint. The bank will typically arrange for a free pick-up and replacement.
Can I transfer HDFC credit card reward points to another account?
No, HDFC credit card reward points cannot be transferred to any other account, including another HDFC credit card account or a third-party account.