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HDFC Bank Credit Card Reward Points

HDFC Credit Card Reward Points

Last Updated 02nd Sep 2021

  • HDFC Bank credit card reward points can be claimed for products, discounts and gift vouchers.
  • Popular Categories to earn HDFC Bank rewards points are lifestyle, electronics, health & fitness, travel etc.
  • HDFC Bank credit card holders can redeem HDFC Bank reward points as discounts & cashback offers on various products.
  • Redeem the reward points of HDFC Bank credit cards within 2 years from the date of accumulation.
  • Redeem HDFC credit card reward points through different modes such as Net Banking, Post and Customer Service Centre.
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What is HDFC Credit Card Reward Point?

Credit Cards are a great financial tool and a better alternative to cash that eases out your online transactions. Apart from greater ease of utility & convenience, ‭one of the advantages of credit cards are reward points. HDFC Bank Reward Points are points or credits HDFC Bank credit card users can earn for specific frequency or volume of transactions as they swipe the credit card at a store or use it online for shopping, dining, travel or buying grocery etc. Credit Cardholders can redeem these reward points for certain benefits in the form of discounts & cashback on various products, gifts & vouchers. Check the complete process to earn & redeem reward points on your HDFC Bank Credit Card.

How to Earn Reward Points on HDFC Credit Cards?

Every credit card offered by HDFC has a different set of credit card reward points. To accumulate more credits or reward points, users need to use it for specific purposes. The table below mentions the reward points offered by HDFC on different credit cards.

Credit Cards Reward Points
Freedom Card
  • 1 reward point on spend of ₹ 150 and above
  • 25X reward points on your birthday spend
  • 10X reward points on PayZapp and SmartBuy spends*
  • 5X reward points for spends on dining/ movies/ groceries/ railways/ taxis*
Jet Privilege HDFC Bank World Card
  • 4 InterMiles on every ₹ 150 spent on all shopping internationally, with online merchants and on all flight booked on
  • 2 InterMiles on every ₹ 150 spent on all domestic, air, travel, Utility, Apparels
  • 1 InterMiles on every ₹ 150 spent on all domestic shopping and online merchants for rest of the categories (except Jewellery, Business Services and Fuel)
Platinum Times Card
  • 10 reward points on every ₹ 150 spent on dining on weekdays.
  • 3 Reward Points for every ₹ 150 spent on others.
Regalia Card
  • 4 Reward Points on every ₹ 150 spent
  • 9 CV Points for every ₹ 100
  • 10,000 Reward Points on spending ₹ 5 Lakh in an anniversary year 5,000
  • Additional Reward Points on reaching spend of ₹ 8 lakh in the same year
Titanium Times Card
  • 5 Reward Points on every ₹150 spent on dining on weekdays.
  • 2 Reward Points for every ₹ 150 spent(Others)

How to Redeem HDFC Bank Credit Card Reward Points?

It is essential to redeem the credit card reward points to avail the associated benefits and HDFC Bank credit card reward points can be redeemed both through online & offline methods. The methods provided by HDFC to redeem the reward points are Net Banking, Post and Customer Service Centre. However, it is easy to redeem the Credit Card Reward points using an online procedure. Below-mentioned is multiple ways through which HDFC credit card users can redeem the rewards points earned on various utilities.

  • NetBanking:To redeem credit card reward points on HDFC credit cards using net banking, users must have a registered net banking account. They can then redeem those points by following the steps mentioned below:
    • Login to HDFC NetBanking using your NetBanking ID and Password.
    • Click on Credit Cards at the top of your home page.
    • On the Credit Cards tab, click on Register New Card.
    • Enter your four-digit Credit Card PIN to complete the registration process.
    • Now click the Redeem Reward Points link on the left navigation bar.
    • Choose your credit card and click on Continue to proceed to the Online Redemption portal.
    • Click on Redeem Reward Points, select Points Range and Item Category to view the catalogue.
    • Now, select items by adding to the shopping cart.
    • Verify you shopping card, read Terms and Conditions and click on the check box confirming acceptance of the same.
    • Finally, click on Redeem to confirm redemption and note down the generated Redemption Order No.
  • Post: HDFC credit card customers can also redeem their reward points by sending a duly-filled form for rewards redemption. The link for downloading rewards redemption form along with the address & instructions for sending the post as mentioned below:

  • Customer Care Centre:Users can also contact HDFC Bank Credit card customer care service to redeem the reward points earned on HDFC credit card.

HDFC Bank Credit Card Rewards Catalogue

As mentioned above credit card holders can redeem the HDFC Bank credit card reward points on various products in multiple categories. Some of the popular categories for earning credit card rewards are mentioned below.

  • Electronics
  • Health and Fitness
  • Homeware and Kitchenware
  • Lifestyle
  • Personal Care
  • Dining and Entertainment
  • Apparel and Accessories
  • Travel and Holiday


How to redeem HDFC Bank reward points?

HDFC credit card users can redeem reward points on HDFC credit card through different channels such as Net Banking, Post and Customer Service Centre.

Do HDFC Bank credit card reward points expire?

Yes, credit card reward points offered by HDFC generally have a validity of 2 years from the date of accumulation, which however may vary from card to card.

How can I redeem my HDFC Bank credit card points without an HDFC Bank account?

You can redeem your HDFC Bank credit card points offline through mail or by contacting HDFC credit card customer care service if you do not have an HDFC Bank account.

Can we convert HDFC Bank credit card reward points to cash?

Yes, you can convert HDFC Bank Credit card reward points to air miles or either get cashback offers.

What is the 10X reward point offered by HDFC Bank?

HDFC offers 10 times the reward points that the cardholder would have otherwise earned on the eligible transactions. These reward points are known as 10x Reward Points.

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HDFC Credit Card News - Sep 2021
  • 2021-08-27 : HDFC Bank tops credit card by market share
    HDFC Bank has come out as the market leader of the credit card market in India. The bank has a 23.61% market share, the share of SBI cards is at 19.17%, while ICICI Bank comes at third with a 17.57% share. Despite the RBI ban on issuing any new card HDFC Bank has been able to maintain leadership status.
  • 2021-05-28 : HDFC Bank commits Rs 100 cr towards COVID relief in FY22
    HDFC Bank committed Rs 100 crore for setting up medical infrastructure for COVID-19 relief in 2021-22. The bank is planning to set up 20 oxygen plants in hospitals besides three 100-bed COVID care facilities as part of the plan.
  • 2021-05-25 : HDFC Bank deploys Mobile ATM in Bengaluru
    HDFC Bank deployed Mobile ATM in Bengaluru to assist customers during the COVID-19 related restrictions. The Mobile ATMs will eliminate the need for the public to move out of their locality to withdraw cash.
  • 2020-09-11 : Credit card EMIs at an all-time high
    HDFC Bank reported that the number of customers preferring to buy high-value products through instalments stood at an all-time high during the coronavirus pandemic. Further, The bank noted that the trend is visible across all segments of cardholders, including the newly launched millennia cards targeted for the younger users.
  • 2020-06-25 : HDFC Bank introduced co-branded credit card with IndiGo
    HDFC Bank partnered with the country largest airline IndiGo to launch a co-branded credit card, which will effectively work like a loyalty programme for the carrier. Named as Ka-ching, the card will offer multiple benefits like complimentary air tickets, lounge access, 5 % cashback or reward points on Indigo bookings, and 3% cash back on dining, grocery and entertainment.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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