HDFC Credit Card Points Redeem

For its credit cardholders, HDFC Bank offers the MyRewards HDFC Credit Card Reward points Program, which makes shopping a rewarding experience. Depending on the type of credit card, it is possible to earn reward points. Spending on the HDFC Bank credit card earns you reward points. Once a consumer has acquired 500 reward points, they can choose from a variety of products, gift cards, discounts, and air miles to redeem their points. To provide its clients with a diverse range of rewards redemption options, HDFC has partnered with brands, airlines, retail establishments, hotels, culinary outlets, and charities.

How to earn hdfc credit card reward points

  • Every time you use your credit card to make a transaction, HDFC Credit Card Reward points are deposited into your account. After earning a particular number of reward points, you can exchange them for gift cards, items, or statement credit (cashback). So, how can you get more HDFC credit card reward points?
  • You can arrange your expenses based on the type of credit card you have so that you can earn more reward points. For example, the HDFC MoneyBack Credit Card gives double rewards on online purchasing, allowing you to optimise your reward points by charging your online purchases to the card.
  • It's also worth noting that reward points don't last forever. They have a set time limit before they expire. The reward points on most HDFC credit cards are only valid for two years, so you should redeem them before then. Some cards have a three-year or longer validity period. The terms and conditions are available on the HDFC website.

Hdfc rewards catalogue

HDFC Credit Cards

Reward Points

Special/Extra Reward Earnings

Milestone/Joining Perks

HDFC Regalia Credit Card

4 Reward Points for every Rs.150


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


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


HDFC Freedom Credit Card

1 Reward Points for every Rs.150

5X Reward Points on Movies/Groceries/Dining/Railways/Taxis 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

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



HDFC Bank Diners Club Rewardz Credit Card

3 Reward Points for every Rs.150



HDFC Diners Club Privilege Credit Card

4 Reward Points for every Rs.150



How to redeem HDFC credit card reward points

For HDFC reward points redemption follow the steps below:

Using Internet Banking

Step 1: Log in to NetBanking with your NetBanking ID and Password, then select the Credit Cards tab at the top of the page.

Step 2: Add your credit card to the system (one-time activity)

Step 3: In the Credit Cards tab, on the left-hand side navigation bar, select Register New Card. To finish the registration procedure, you'll need your four-digit Credit Card PIN.

Step 4: On the left navigation bar, click the Redeem Reward Points option.

Step 5: Choose your card and proceed to the Online Redemption gateway by clicking Continue.

Step 6: On the homepage, click HDFC Reward Points Redeem.

Step 7: To view the catalogue, select the Points Range and Item Category.

Step 8: Add things to your shopping cart.

Step 9: Once you've picked all of the things you wish to redeem, go to the View Shopping Cart page to see what's in your cart. To make changes to the items you've chosen, click Edit.

Step 10: Read the Terms & Conditions and check the box indicating that you agree to them.

Step 11: You'll see your registered address, email address, and phone number. Call Customer Service if there is a discrepancy. To confirm redemption, click Redeem. Make a note of the Redemption Order No. that was generated.

Customer care services

To redeem your points, call the HDFC Credit Card Customer Care lines. The representative will guide you through the redemption procedure and options.

By way of Post

Online, you can print the HDFC Reward points Redemption Form. To receive your benefits, fill it out and mail it to the HDFC Bank Credit Card Customer Care address.

Pay + Points (FasTrac Items)

Your points can be redeemed for a discount on purchases from the Rewards Catalogue. Use your points to pay for a portion of your transaction, and your credit card will be charged for the remainder. This option is only available on a limited number of products in the Rewards Catalogue. Only the Redemption Form can be used to redeem your points.

Consider the following for HDFC reward points redeem

  • Make a note of the Redemption Order Number in case you have any questions or concerns in the future.

  • The things will be delivered to the address you provided during registration. Contact HDFC Credit Card Customer Care if you want the same delivered to a different address.

  • To redeem incentives, you must have a minimum of 500 points.

  • The reward points from numerous HDFC credit cards cannot be combined if you have more than one.

  • If you use your points to purchase gift vouchers, you must spend them before the voucher's expiration date.

  • Only if the item purchased with reward points is defective can it be exchanged or returned. The items cannot be returned in any other circumstance.

HDFC Reward Points Redemption

By visiting the HDFC website, you can convert the reward points you earn on your HDFC credit card into cashback. Follow the steps below to know your HDFC credit card reward points value in rupees for conversion.

Cashback can be obtained by redeeming HDFC Reward Points

  • Step 1: Go to the HDFC Bank website or the HDFC net banking portal

  • Step 2: Select ‘Cards' after you've logged in.

  • Step 3: Select the 'Enquire' tab.

  • Step 4: Select ‘Cashback Enquiry and Redemption' from the drop-down menu.

  • Step 5: Select a bank account number.

Redeem HDFC Credit Card Reward Points for Air Miles

Second, a few HDFC Bank credit cards include the option of converting reward points into air miles. Varying airline brands have different conversion rates.


HDFC Credit Card

Reward Points


(Previously JP Miles)

Infinia / Diners Black / Diners ClubMiles



Regalia / Corporate Premium / Business Corporate Premium / Business Regalia /

Business Corporate Regalia / Doctor's Regalia / Diners Premium



Moneyback / Solitaire / Business Moneyback / Bussiness Corporate Moneyback



Silver / Gold / Titanium / Times Titanium/ Platinum / Teacher’s platinum / Times Platinum / Doctor’s Platinum / Corporate Gold / Corporate Silver / Titanium Edge/ Platinum Edge



Signature / World / Superia/ Doctor’s Superia / All Miles



Corporate Platinum / Business Corporate Platinum / Corporate Diners / Business Corporate Diners



Corporate Signature / Corporate World / Corporate Redemptions / Business Corporate Signature / Business Corporate World / Diners Rewardz / Regalia First / Business Regalia First



Maruti Nexa All Miles



Frequently asked questions

Do the reward points on my HDFC credit card expire?

The HDFC credit card reward points you receive are valid for two years from the date you acquire them. If you have 1,000 points on February 28, 2019, they will be valid until February 20, 2021.

How long does it take to redeem HDFC credit card reward points?

Once you've applied for your reward points to be redeemed, it could take up to 7 days.

Where can I put my gift cards to good use?

An HDFC Bank GiftPlus card, for example, can be used at practically all merchant outlets in India that accept Visa cards. A gift card is a prepaid card, and when you swipe it, the money is automatically deducted.

Is it possible to pay my HDFC credit card payment with reward points?

The reward points that have been accumulated can be used as cashback depending on the type of credit card.

What does HDFC's 10X reward points mean?

HDFC's 10X reward points programme allows customers to earn 10 times the amount of reward points they normally would. This is a programme that gives HDFC credit card customers a discount on all of their shopping, travel, and entertainment costs.

Is it possible for me to cancel my Rewards Redemption request?

No, you cannot cancel, exchange, or return an order once it has been placed. You cannot cancel an air mile conversion request once it has been submitted.

How long does it take to process an Air Miles redemption?

Once you've requested that your reward points be converted to air miles, HDFC will forward your request to the appropriate airline. The airline may take up to 7 working days to confirm the conversion to air miles.