When you look for a credit card or you are considering applying for a credit card, the one thing you will look at is the reward points it offers and what you can redeem those points for.
HDFC Bank offers a Credit Card Rewards Programme called MyRewards to its credit cardholders that makes shopping a rewarding experience. Each credit card is eligible to earn reward points based on the type of the card. Reward points are awarded for expenses on the HDFC Bank credit card. Once a customer has accumulated at least 500 reward points, they can redeem it from a number of options ranging across products, gift vouchers, discounts and air miles. HDFC has partnered with brands, airlines, retail stores, hotels, food outlets, and charities to provide its customers with a varied selection of rewards redemption.
You can earn points on your credit card by paying for your purchases or bills with the card. Every time you swipe your card, reward points will be credited to your rewards account. Depending on the type of card you hold, you can earn welcome points or welcome miles. On swiping your card for the first time within 90 days, HDFC rewards cardholders of select cards with a bundle of reward points. Spending a set amount of money in a year on your credit card will also attract reward points.
|Credit Card||Welcome Points||Reward points||Accelerated Rewards||Validity|
|Platinum Times Card||NA||3 Reward Points for every Rs. 150 spent||10 Reward Points on every Rs. 150 spent on Dining spends on weekdays i.e., Monday to Friday||2 years|
|Titanium Times Card||NA||2 Reward Points for every Rs. 150 spent||5 Reward Points on every Rs. 150 spent on Dining spends on weekdays i.e., Monday to Friday||2 years|
|JetPrivilege HDFC Bank Diners Club Credit Card||- 30,000 Bonus JPMiles - 15 JetPrivilege Tier points||8 JPMiles for every Rs. 150 spent||3X JPMiles on every flight booked on the Jet Airways website||Not specified|
|JetPrivilege HDFC Bank World||10,000 Bonus JPMiles||6 JPMiles for every Rs. 150 spent||-18 JPMiles on every flight booked on Jet Airways website -1 JP Tier Point on every 2 lac spends||Not specified|
|Diners Club Black||NA||5 Reward Points for every Rs. 150 on retail spends||10 Reward Points for every Rs. 150 spent on retail shopping on the HDFC Bank Diners Club website||3 years|
|Diners Club Premium||NA||4 Reward Points for every Rs. 150 spends||8 Reward Points for every Rs. 150 spent on retail shopping on HDFC Bank Diners Club website||2 years|
|Diners Club Rewardz||NA||3 Reward Points for every Rs. 150 spends||6 Reward Points for every Rs. 150 spent on retail shopping on HDFC Bank Diners Club website||2 years|
|Infinia||NA||10 points for every Rs.150 spent on bookings made on hdfcbankinfinia.myrewardz.com||2X points on booking flight tickets, hotel stay, movie tickets, mobile and DTH recharge on HDFC Bank Infinia website||2 years|
|Regalia||NA||4 Reward Points on every Rs. 150 spent||8 Reward Points for every 150 spent for: - Bookings on HDFC Bank Regalia website - Spends on Dining (stand-alone restaurants only) - Bookings on Air Vistara website||2 years|
|Superia||1000 Reward Points||3 Reward Points on Rs 150 spent||4.5 Reward Points on dining spends||2 years|
|Solitaire||NA||3 Reward Points on Rs. 150 spent||4.5 Reward Points on dining spends||2 years|
|AllMiles||1000 Reward Points||3 Reward Points per Rs.150 on retail purchases||NA||2 years|
|Maruti Suzuki NEXA HDFC Bank AllMiles||1000 Reward Points||3 Reward Points per Rs.150 on retail purchases||6 Reward Points per Rs.150 all spends made on MyNEXA section of Nexa Experience website||2 years|
|Doctor’s Superia||1000 Reward Points||3 Reward Points on Rs 150 spent||4.5 Reward Points on dining spends||2 years|
|Teacher’s Platinum||NA||2 Reward Points on Rs. 150 spent||-3X Reward Points on weekend shopping -500 Bonus Reward Points on Teacher's Day||2 years|
|World MasterCard||NA||2 Reward Points on Rs. 150 spent||3 Reward Points for every Rs. 150 spent above Rs. 75,000 per statement cycle||2 years|
|Visa Signature||NA||2 Reward Points on Rs. 150 spent||3 Reward Points for every Rs. 150 spent above Rs. 75,000 per statement cycle||2 years|
|Platinum Plus||NA||2 Reward Points on Rs. 150 spent.||3 Reward Points for every Rs. 150 spent above Rs. 50,000 per statement cycle||2 years|
|Business MoneyBack||NA||2 Reward Points on Rs 150 spent||3X Reward Points on business related spends||2 years|
|Business Regalia||NA||4 Reward Points on every Rs. 150 spent||8 Reward Points for every 150 spent for: - Bookings on HDFC Bank Regalia website - Spends on Dining (stand-alone restaurants only) - Bookings on Air Vistara website||2 years|
|Corporate Platinum||NA||2 Reward Points for every Rs. 150 spends||NA||2 years|
|Corporate Card||NA||2 reward points for every Rs. 150 spent on your card||2x reward points for spends on air, travel, hotel, restaurants and utility spends||2 years|
|Platinum Edge||NA||2 Reward Points for every Rs. 150 spends||3 Reward Points for every Rs. 150 spends on dining||2 years|
|Titanium Edge||NA||2 Reward Points for every Rs. 150 spends||3 Reward Points for every Rs. 150 spends on dining||2 years|
|MoneyBack||NA||2 Reward Points for every Rs. 150 spends||3X Reward Points on online spends.||2 years|
To redeem your HDFC Reward Points, you need to have accumulated at least 500 points.
HDFC Bank provides multiple ways of redemption for reward points. Credit cardholders can redeem their points according to their convenience using any of the 4 methods offered.
Call the HDFC Credit Card Customer Care lines to redeem your points. The representative will walk you through the process and options for redemption.
Download the Rewards Redemption Form online. Fill it up and mail it to HDFC Bank Credit Card Customer Care address to get your rewards.
You can redeem your points as a discount on products you can buy from the Rewards Catalogue. Use the points to pay for a part of the purchase and the balance will be charged to your credit card. This option can be used only on a select product range available in the Rewards Catalogue. You can redeem your points only through the Redemption Form.
If you don’t have internet access, you can download HDFC rewards ‘Redemption Form’ from the internet, fill the same will all the required details and send it to ‘Rewards Helpdesk, HDFC Banks Cards Division, P.O. Box No.8654, Thiruvanmiyur, P.O., Chennai – 600 041. Alternatively, you can also drop the filled-in form at your nearest credit cards drop box, usually found at HDFC ATMs or bank branch offices.
You can redeem your points under different categories depending on what you would like. HDFC offers the following redemption options.
You can redeem your points for products and gift vouchers from the Rewards Catalogue. You will need to fill out the Rewards Redemption Coupon and mail it to HDFC Bank or drop it off at any credit card dropbox. Your gifts will be delivered to your mailing address as listed in the bank records. It will take around 10 to 15 days to reach you, depending on the availability of your chosen product.
On select items in the rewards catalogue, you can use your points to discount the product and pay for the rest. So you could use your reward points to pay for a part of the purchase, and the remainder will be charged to your credit card. You need to fill out the redemption form and inform HDFC Bank of the amount that should be charged to your credit card. Submit the form and your items will be sent to your registered address. The charge for the remainder of the item will reflect in your statement.
Redemption of reward points for cash back is available only on select cards. You need to fill out the HDFC Bank Credit Card Cash Back Redemption Coupon and submit it. You need at least 500 points to be eligible for redemption. The cash back will be credited to your card account within 10 working days. A redemption fee of Rs. 75 will be applicable. The cards the are eligible for cash back are:
You can redeem your accumulated reward points for air miles on Jet Airways, Air India and Kris Flyer. Fill up the Airmiles redemption form and mail it to HDFC. You will need to have accumulated a minimum number of mileage points to qualify for air miles. It will take a period of 7 to 10 days for the airline to confirm the conversion.
The option of cash back is available only on select cards. Given below is a list of the credit cards that qualify for cash back and the conversion rate for each point earned.
|Credit Card||Reward points||Cashback|
|Titanium Edge||1 point||0.25 paisa|
|Platinum Edge||1 point||0.40 paisa|
|Money Back||1 point||0.40 paisa|
|Solitaire||1 point||0.40 paisa|
|Business Money Back||1 point||0.40 paisa|
|Credit Card||Reward Points||Miles Earned|
|Silver, Gold, Titanium, Titanium Edge, Times Titanium||470 points||100 JPMiles|
|Corporate, Platinum, Solitaire, Teachers Platinum, Times Platinum, MoneyBack, Business Money Back||250 points||100 JPMiles|
|Signature, World, Corporate Signature, Corporate World||230 points||100 JPMiles|
|Solitaire Premium||200 points||100 JPMiles|
|Diners Premium, Diners Black, Infinia||100||100 JPMiles|
|Platinum Edge, Doctor's Platinum, Superia, Doctor's Superia, All Miles, Diners Rewards||140 points||100 JPMiles|
|Regalia, Business Regalia, Corporate Card (Premium)||130 points||100 JPMiles|
|Credit Card||Reward Points||Miles Earned|
|Silver, Gold, Titanium, Titanium Edge, Times Titanium||420 points||100 Air Miles|
|Corporate, Platinum, Solitaire, Teachers Platinum, Times Platinum, MoneyBack, Business Money Back||230 points||100 Air Miles|
|Signature, World, Corporate Signature, Corporate World||220 points||100 Air Miles|
|Solitaire Premium||200 points||100 Air Miles|
|Diners Premium, Diners Black, Infinia||100||100 Air Miles|
|Platinum Edge, Doctor's Platinum, Superia, Doctor's Superia, All Miles, Diners Rewards||140 points||100 Air Miles|
|Regalia, Business Regalia, Corporate Card (Premium)||130 points||100 Air Miles|
|Credit Card||Reward Points||Miles Earned|
|Diners Black||100 points||100 KrisFlyer Miles|
|Diners Premium||130 points||100 KrisFlyer Miles|
|Superia||1.4 points||1 KrisFlyer Mile|
|Doctor’s Superia||1.4 points||1 KrisFlyer Mile|
|Regalia||1.3 points||1 KrisFlyer Mile|
|Business Regalia||1.3 points||1 KrisFlyer Mile|
|Corporate Card (Premium)||1.3 points||1 KrisFlyer Mile|
For HDFC Corporate Credit Cards, the redemption rates are different. It will take a period of 7 to 10 days for the airline to confirm the conversion to air miles. For the e-vouchers, you will need to call the respective airline for bookings.
|Airline||Reward Points||Miles Earned|
|Jet Airways||3 points||1 JPMile|
|Air India||3 points||1 Air Mile|
|KrisFlyer||3 points||1 KrisFlyer Mile|
|Indigo||2000 points||Rs. 500 e-voucher|
For Diners Club Credit Cardholders, the redemption rates are given below. It will take up to 14 working days for confirmation of the Air Miles or Room Miles. Rs. 75 will be charged for handling fees.
|Category||Partner||Diners Club Premium||Diners Club Black||Rewards Programme|
|Reward points||Miles Earned||Reward points||Miles Earned|
|Airlines||Jet Airways||1 point||1 JPMile||1 point||1 JPMile||JetPrivilege|
|Air India||1 point||1 Air Mile||1 point||1 Air Mile||Flying Returns|
|Virgin Atlantic||1.3 points||1 Air Mile||1 point||1 Air Mile||Virgin Atlantic Airways Flying Club|
|Air Canada||1.3 points||1 Air Mile||1 point||1 Air Mile||Aeroplane|
|American Airlines||1.4 points||1 Air Mile||1 point||1 Air Mile||Advantage|
|Delta Airlines||1.4 points||1 Air Mile||1 point||1 Air Mile||Skymiles|
|Singapore Airlines||1.3 points||1 Air Mile||1 point||1 Air Mile||Kris Flyer|
|Frontier Airlines||1.25 points||1 Air Mile||1 point||1 Air Mile||Early Returns|
|SAS||1.1 points||1 Air Mile||1 point||1 Air Mile||Voyager|
|Southwest Airlines||1.1 points||1 Air Mile||1 point||1 Air Mile||Southwest Airlines Rapid Rewards|
|Hotels||Hyatt||1.6 points||1 Mile||1 point||1 Mile||Gold Passport|
|Marriott||1 points||1 Mile||1 point||1 Mile||Rewards|
Depending on the card you hold, you will need to have a certain number of reward points to redeem different items. HDFC cards are categorised into 8 segments. The conversion rate of reward points differs between categories.
|Category||HDFC Credit Card|
|A||Silver, Gold, Titanium, Titanium Edge, Times Titanium Credit Card|
|B||Platinum, Platinum Edge, Doctor's Platinum, Solitaire Credit Card|
|C||Corporate Platinum, Teacher's Platinum, Times Platinum, Moneyback, Business Moneyback Credit Card|
|D||Signature, World Credit Card|
|E||Solitaire Premium,Superia,Doctor's Superia Credit Card, Corporate Redemptions|
|F||Corporate Signature,Corporate World,Diners Rewards, AllMiles Credit Card|
|G||Regalia, Diners Premium, Corporate (Premium) Credit Card|
|H||Infinia, Diners Black Credit Card|
You can redeem your accumulated reward points for a host of products, vouchers and discounts. HDFC Bank provides a catalogue for customers to browse and choose the product they would like according to their reward points balance. The categories of products available in the catalogue is listed below.
HDFC Bank customers can redeem their reward points by using one of the below-mentioned methods:
Depending on the type of credit card, the rewards points that have been accumulated and the cashback ratio will vary. However, for certain credit cards, the accumulated points cannot be redeemed as a cashback and must be used for vouchers and gifts.
The reward points that have been accumulated are valid for a duration of 2 years from the date the points were accumulated.
Depending on the type of credit card, the reward points that have been accumulated can be availed as a cashback.
The 10X reward points offered by HDFC allows individuals to earn 10 times the reward points that they normally earn. The offer is valid on the Diners Club Credit Card between 1 August 2019 and 31 December 2019 and on the SmartBuy Credit Card between 1 August 2019 and 31 August 2019.
There are no charges to redeem your rewards. However, for handling and delivery of products, goods and services, Rs. 75 will be charged to the card account.
Yes, all reward points earned expire within 2 years. If you earned reward points on January 2016, those points will expire in Jan 2018. Reward points earned on Diners Club Black credit cards expire in 3 years.
No, once you have ordered for merchandise, you cannot cancel, exchange or return it. If you have requested for air miles conversion, you cannot cancel your request.
From the date of receipt of your redemption request, HDFC Bank will take 10 to 15 working days to process your request and deliver your merchandise or gift voucher.
Once you have made your request to convert your reward points into air miles, HDFC will relay this information to the concerned airline. It will take up to 7 working days for the airline to confirm the conversion to air miles.
If the product or item sent to you under the MyRewards programme is damaged, defective, or incorrect you can contact the HDFC customer care through phone or mail. You need to inform the customer care within 7 days of receipt of the item. HDFC will offer a pick-up and replacement. Queries or disputes raised beyond the 7-day period will not be considered.
Yes, each voucher will have a specific expiration date. This date will be mentioned on the voucher. It can range between a month and a few years. Redeem your voucher within the validity period. HDFC Bank is not liable to seek extensions from the merchant on the gift voucher.
Gift vouchers are valid in select cities and select stores depending on the merchant. You can check the HDFC website to find out where the gift vouchers are valid.
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