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Dev is an HDFC Credit Card holder who earns reward points in almost every transaction. He has earned 2000 reward points and can easily redeem them to buy clothes online.
Yes, after 2 years, so use them before they disappear.
Flight bookings and shopping vouchers give better value than cashback.
Log in to HDFC NetBanking or check the mobile app.
Example: Dev has accumulated 10,000 reward points on his HDFC credit card. Now, he wants to put them into practice. Here are his options:
1. Online Redemption (Fast & Easy)
2. Call Customer Care
Read More – How to Redeem SBI Reward Points
3. SMS Redemption (For Some Cards)
Option | How Dev Can Use 10,000 Points | Value (Approx.) |
Amazon Voucher | Gets ₹2,500 shopping voucher | 1 point = ₹0.25 |
Flight Tickets | Book a domestic flight. |
Dev can pick what suits him best! Just remember: Points expire in 2 years, so use them on time.
Example: Dev has 15000 reward points in his HDFC credit card. He wants to get the best value from them. Below are the best to redeem:
1. Flight Tickets (Best for Travel)
2. Amazon/Flipkart Vouchers (Easy Shopping)
3. Cashback (Direct Money Savings)
4. Hotel Bookings (Vacation Savings)
Option | Points Needed | What Dev Gets | Value per Point |
Flight Tickets | 15,000 | ₹4,500-7,500 off | ₹0.30-0.50 |
Hotel Stay
15,000
1-2 night free stay
Varies
Remember: Points expire after 2 years, so Dev should use them before they disappear!
1 point = ₹0.50+
Cashback | ₹2,000 credited to the card bill | 1 point = ₹0.20 |
Movie Tickets | Gets 4-5 free movie tickets. | Varies by offer |
Amazon Voucher
15,000 |
₹3,750 voucher |
₹0.25 |
Cashback | 15,000 | ₹3,000 in the account | ₹0.20 |
*T&C Apply
Example: Dev wishes to work his 20000 HDFC reward points harder. This is how he can get maximum benefits.
1. Use SmartBuy for Extra Points
2. Wait for Bonus Redemption Offers
3. Choose High-Value Options
4. Combine Family Members' Points
Strategy | How Dev Benefits | Extra Value |
Use the SmartBuy portal | Earns 5X points on flight bookings | +5,000 points |
Wait for festive offers | Gets 20% more redemption value | +₹1,000 benefit |
Pick flights over cashback | Gets ₹6,000 travel instead of ₹4,000 | +₹2,000 extra value |
Pool family points | Combines 30,000 points for big redemption | Better redemption options |
Dev learns that timing and redemption choice can give him 25-50% more value from his points!
Remember: Always check expiry dates and special offers before redeeming.
HDFC reward points can have huge advantages if used correctly. As Dev learnt, the art is knowing your options and selecting what gives you the most value. Are you booking flights to generate improved returns, or are you sitting, waiting for a special offer?
Combining points with family? Small, intelligent decisions can make your points work much harder for you. Always remember to check your points balance and use them before they expire after two years.
The most effective way is to choose the redemption that corresponds to what you really need—travelling, shopping, or cash back. First, make a small redemption to understand the system before discussing strategically redeeming large quantities of points.
With these small practices, your HDFC credit card could become more rewarding as part of your everyday life.
You only have to spend normally and save points to redeem at the right time for the best benefit.
1. How do I check my HDFC reward points balance?
You can check your points by logging into HDFC NetBanking or the mobile app. Go to the credit card section and look for "Reward Points." You can also call customer care to know your balance.
2. What are the minimum points needed for redemption?
Most HDFC credit cards require at least 2,500 points to redeem. Some premium cards may have lower limits.
3. Do HDFC reward points expire?
Yes, they expire after 24 months from the date you earn them. Make sure to use them before they lapse.
4. What can I redeem my HDFC points for?
You can get flight tickets, hotel stays, Amazon/Flipkart vouchers, cashback, movie tickets, and more.
5. How do I redeem points for flight tickets?
Log in to HDFC SmartBuy, select flights, and choose "Pay with Reward Points" at checkout.
6. Can I convert reward points to cash?
Yes, but cashback gives a lower value (around ₹0.20 per point). Flight tickets or vouchers give better value.
7. Why are my reward points not showing?
Points take 60-90 days to reflect after purchase. If still missing, call customer care.
8. Can I transfer points to another person?
No, but some cards allow pooling points with family members under the same account.
9. How much is 1 reward point worth in rupees?
It depends:
10. What if my redemption fails?
Check if you have enough points or try again later. If issues persist, contact HDFC customer support.
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