Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HDFC Credit Card Reward Points

    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.

    Best HDFC Credit Cards for Reward Points

    Listed below are the reward points offered on top 10 HDFC credit cards.

    HDFC Credit Card Variant Regular rewards points Accelerated reward points
    HDFC Bank Regalia First Card 4 reward points on every Rs.150 spent NA
    HDFC Bank Regalia Card 4 reward points on every Rs.150 spent NA
    HDFC Freedom Credit Card 1 reward point on Rs.150 spent 5X reward points on lifestyle spends; 10X RP for PayZapp and SmartBUY spends; 25X RP on birthday spends
    HDFC Bank Diners Club Black Card 8 JPMiles for every Rs.150 spent 3X JPMiles on every Jet Airways flight booking
    HDFC Bank Titanium Times Card 2 reward points for every Rs.150 spent 5 RP on dining spends during weekdays
    HDFC Bank Diners Club Miles Card 4 reward points on every Rs.150 spent 10X RP on international spends
    HDFC Bank Moneyback Credit Card 2 reward points for every Rs.150 100% more RP on online spends.
    JetPrivilege HDFC Bank Diners Club 8 JPMiles for every Rs.150 spent 3X JPMiles on every Jet Airways flight booking
    HDFC Bank Platinum Times Card 3 reward points for every Rs.150 spent 10 RP on dining spends during weekdays

    How to Earn HDFC Credit Card Reward Points

    You can earn reward points on your HDFC credit card when you make payments towards the following categories:

    • Movies
    • Groceries
    • Dining
    • Railways
    • Taxi spends
    • PayZapp
    • SmartBUY

    How to Redeem HDFC Credit Card Reward Points

    Via Netbanking

    Step 1: Login to NetBanking using your NetBanking ID and Password and click on Credit Cards tab on top

    Step 2: Register your Credit Card (one-time activity)

    Step 3: Within the Credit Cards tab, click on Register New Card placed on left hand side navigation bar. You will need your four-digit Credit Card PIN to complete the registration process.

    Step 4: Now click the Redeem Reward Points link on the left navigation bar

    Step 5: Select your Card, click on Continue to proceed to the Online Redemption portal

    Step 6: Click on Redeem Reward Points on the homepage

    Step 7: Select Points Range and Item Category to view catalogue

    Step 8: Select items by adding to shopping cart

    Step 9: Once all items you want to redeem are selected, click on View Shopping Cart link to view items. Click on Edit to modify selected items

    Step 10: Read Terms & Conditions and click on the check box confirming acceptance of same.

    Step 11: Your registered address, email ID and contact number will also be displayed. In case of any discrepancy, call Customer Service Click on Redeem to confirm redemption. Note down the Redemption Order No. generated.

    Through Cusomer Care

    Call the HDFC Credit Card Customer Care lines to redeem your points. The representative will walk you through the process and options for redemption.

    Through Post

    Download the Rewards Redemption Form online. Fill it up and mail it to HDFC Bank Credit Card Customer Care address to get your rewards.

    Points + Pay (FasTrac Items)

    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.

    HDFC Credit Card Rewards Catalogue

    You can redeem your reward points earned on HDFC credit cards form the HDFC website on these categories:

    • Headphones and speakers
    • Travel accessories
    • Tupperware
    • Lifestyle
    • Storage devices
    • E-voucher
    • Travel and luggage
    • Gift vouchers
    • Home and kitchen appliances

    You can go through the HDFC rewards catalogue by visiting: rewards catalog

    HDFC Reward Points Redemption Conversion

    The reward points that you earn on your HDFC credit card, can be converted into cashback by visiting the HDFC website.

    Redeem HDFC Reward Points for Cashback

    Step 1: Log into to the HDFC net banking portal or the HDFC Bank website.

    Step 2: After you have logged in, select ‘Cards’

    Step 3: Choose 'Enquire' tab

    Step 4: Click on 'Cashback Enquiry and Redemption'

    Step 5: Choose the account number.

    FAQs on HDFC Credit Card Reward Points

    1. Do HDFC credit card reward points expire?

      The reward points that you earn on your HDFC credit card are valid for two years from the date you accrue them. If you have 1,000 points accrued on 28 February 2023, the reward points are valid till February of 2025.

    2. How much time does it take for HDFC credit card reward redemption?

      It can take up to 7 days once you apply for the redemption of your reward points.

    3. Where can I use my gift vouchers?

      For example, an HDFC Bank GiftPlus card can be swiped at almost all merchant outlets which accept Visa cards in India. A gift card is a prepaid card, and the amount is automatically debited when you swipe it.

    4. Can I pay HDFC credit card bill through reward points?

      Depending on the type of credit card, the reward points that have been accumulated can be availed as a cashback.

    5. What is 10X reward points offered by HDFC?

      The 10X reward points offered by HDFC allows individuals to earn 10 times the reward points that they normally earn. This is a program for HDFC credit card holders on all their shopping, travel, and entertainment expenses.

    6. Can I cancel my Rewards Redemption request?

      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.

    7. How long does Air Miles redemption take to be processed?

      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.

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