How to Redeem HDFC Credit Card Reward Points – Complete Guide

Neha, a freelance graphic designer from Indore, was clearing her inbox when she came across her HDFC credit card statement. She noticed something unusual — she had 15,286 reward points.

She paused. “That seems like a lot! But what do I do with them?”

Her friend Ritu laughed over the phone. “Neha, you can redeem them for shopping, travel or gift cards. You’re sitting on free money!”

Many HDFC cardholders, like Neha, accumulate reward points but never redeem them. Why? Often because they don’t know how, what for, or think it’s too complicated.

We’re here to fix that. In this article, we’ll show you:

• What are the HDFC credit card points
• How to Check Your Balance
• How to redeem them—online, offline, and through SmartBuy
• Tips to get the most out of your points

What Are HDFC Credit Card Reward Points?

Every time you use your HDFC credit card, you will receive reward points based on your spending category and card type. These points can then be redeemed for a variety of things, including:

•  Flight and hotel reservations
•  Gift vouchers
•  Products from the HDFC Rewards Catalogue
•  Cashback (on some cards)
•  Air Miles (for premium cards)

Here’s a quick example of how points are earned:

Note: Points per spend depend on the type of HDFC card you hold. Always check your card’s reward structure.

How to Check Your HDFC Credit Card Points Balance?

Before redeeming, you need to know how many points you have. Here’s how to check:

1. Via HDFC NetBanking

1. Login to netbanking.hdfcbank.com
2. Go to Credit Cards > Enquire > Reward Points Summary

3. You’ll see:
    

   Total Points

    

   • Points nearing expiry
   • Redemption options

2. HDFC Mobile Application

1. Open the HDFC Mobile Banking app
2. Select your Credit Card
3. Tap on Reward Points
4. The complete breakdown emerges.

3. Monthly Statement

Your monthly email or physical card statement will show the number of available reward points.

How to Redeem HDFC Credit Card Points (Step-by-Step)?

You can redeem your points through three main channels:

1. HDFC NetBanking Portal (Standard Redemption)

This is the most straightforward approach.

Steps:
 

1. Log in to HDFC NetBanking.
2. Go to Credit Cards > Redeem Rewards Points.
3. Select:
   
   
   • Card Account
   • Product Catalogue, Gift Voucher, Recharges.
   • Add items to the cart.
   • Confirm redemption.

   • Delivery (items) or digital codes (vouchers) will take 7-10 days.

      

2. HDFC SmartBuy (For Flights, Hotels, & Vouchers)

SmartBuy is HDFC's premium reward redemption tool, suited for trip bookings and offering 10X benefits on certain purchases.

Steps:

1. Visit smartbuy.hdfcbank.com.
2. Select from:
   • Flights
   • Hotels
   • Amazon/Flipkart coupons
   • Apple products
   • At checkout, select Pay with Reward Points.
   • Points are instantly deducted, and the booking is confirmed.
     
     

SmartBuy redemptions provide more value per point than catalogue redemptions.

3. Via Customer Care or Post

This is slower, yet effective if you prefer assistance.

• To contact HDFC Customer Care, dial the number specific to your city.
• Request to redeem points.
• You will be guided through the available options.

Offline Method:

• Fill out the HDFC Reward Redemption Form (available on their website)
• Select things and provide details.
• Mail it to the address mentioned in the form
• The product/voucher will be delivered within a few days.

This method is no longer widely used and is gradually being replaced by digital methods.

Types of Rewards You Can Redeem For

How Much Are HDFC Points Worth?

Not all points are equal. Value per point depends on how you redeem them.

The more premium your card, the higher the value you’ll get per point.

Do HDFC Reward Points Expire?

Yes. Most HDFC credit cards' reward points expire after two years from the date of accumulation.

How to Track Expiry:

1. View the expiry summary via NetBanking or the app.
2. Plan to redeem before the expiration date.
3. Points on cards such as Infinia and Diners Black are good for a lifetime.

Conclusion

The only thing left to do is redeem the benefits you’ve already earned — like a smart device, flight discount or Amazon gift card.

Neha eventually used her points to plan a weekend holiday — all with just a few clicks.
 

And now? She checks her reward balance monthly and redeems points regularly.

Don’t let your hard-earned points go to waste. Log in, redeem and enjoy your rewards!

FAQs

Can I use points to pay in full for flights?

Yes, on SmartBuy, you can use full or partial points based on availability.

Do I need a certain number of points to redeem?

 Yes, most redemptions start with 500 points. It varies based on the reward.

Can I transfer HDFC reward points to other cards?

 You cannot transfer points between HDFC cards or to other users.

How long does it take to obtain redeemed items?

 Digital vouchers are usually instant, however, physical things require 7-10 working days.

Will I receive points for loading my wallet or making rent payments?

Typically, no. These are excluded from the reward system. Always check your card's terms and conditions.
 

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.