13 February 2026
As you use your HDFC credit cards, you collect MyReward points. These reward points can be redeemed in the form of cashback, vouchers, discount coupons, AirMiles, etc.
In this article, we will look at how to earn and claim your HDFC credit card reward points.
Once you have accumulated enough reward points, you will be able to redeem them in the form of cashback, vouchers, discount coupons, etc. You can do so both online and offline.
Here’s how you can redeem your HDFC credit card reward points online:
You can redeem your reward points as cashback by following these steps:
Step 1: Log in to NetBanking.
Step 2: Go to ‘Cards’ → ‘Enquire’ → ‘Redeem Reward Points.’
Step 3: Select your card and click ‘Continue.’
Step 4: Choose ‘Redeem Reward Points’ → ‘Cash Redemption.’
Redeem your reward points as brand vouchers by following the steps below:
Step 1: Log in to the Net Banking portal.
Step 2: Go to ‘Cards’ → ‘Enquire’ → ‘Redeem Reward Points.’
Step 3: Select your card and click ‘Continue.’
Step 4: Choose ‘Redeem Reward Points’ → ‘Insta Vouchers.’
Step 5: Select your preferred voucher and click ‘Redeem.’
You can redeem up to 70% of the product/voucher value with reward points and pay the rest via credit card.
You can trade your reward points for items in the product catalogue by following these steps:
Step 1: Log in to the Net Banking portal.
Step 2: Navigate to ‘Cards’ → ‘Enquire’ → ‘Redeem Reward Points’.
Step 3: Select your card and click ‘Continue’.
Step 4: Choose ‘Redeem Reward Points’ → ‘Product Catalogue’.
Step 5: Select a product, click ‘Add to Cart’, then ‘Buy Now’.
You can also do this via SmartBuy:
Step 1: Go to the SmartBuy website.
Step 2: Log in and go to ‘Privileges’ → Select Your Card → ‘Rewards’.
Step 3: Choose a voucher, select quantity, and click ‘Checkout Now’.
Step 4: Choose ‘Redeem Points’, enter the voucher code received via email/SMS, and click ‘Confirm’.
Get Credit Cards with Limits Upto Rs.5 Lakh
Swipe Smart and Unlock High Rewards
Redeem your reward points as Air Miles by following these steps:
Step 1: Log in to the Net Banking portal.
Step 2: Navigate to ‘Cards’ → ‘Enquire’ → ‘Redeem Reward Points’.
Step 3: Select your card and click ‘Continue’.
Step 4: Choose ‘Air Miles’ → Frequent Flyer Registration (register if it's your first time).
Step 5: Enter required details, click ‘Register’, then proceed with Air Miles Redemption and click ‘Proceed’.
You can use your reward points to book flights and hotels by following the steps below:
Step 1: Visit the SmartBuy website.
Step 2: Navigate to ‘Flights/Stays’ and enter journey details.
Step 3: Choose ‘Flights/Hotels’ and click ‘Book’.
Step 4: Enter the required details, select the payment mode, adjust the reward points for redemption, enter the card details, and verify with an OTP.
You can also cash out your reward points offline via post. Simply follow these steps:
Step 1: Download the Rewards Redemption Form.
Step 2: Print out the form and fill in the details.
Step 3: Complete the Redemption Form and post it to "Rewards Helpdesk, HDFC Bank Cards Division, P.O.Box No.8654, Thiruvanmiyur P.O., Chennai - 600 041"
You earn HDFC credit card reward points by making transactions using your credit card. The bigger the purchase, the more reward points you earn.
Different HDFC credit cards reward different spending patterns. Which means certain credit cards will give you more reward points for groceries and shopping, while another card will give you more reward points for travel bookings and dining.
Reward points also vary in value depending on the HDFC credit card you are using and how you redeem them. For example, the table below illustrates the reward points to rupees conversion rates of the HDFC Regalia Gold Credit Card:
|
SmartBuy (Flight and hotel bookings) |
1 RP = ₹0.5 |
|
Exclusive Catalogue |
1 RP = Up to ₹0.35 |
|
Select restaurants |
1 RP = ₹0.50 |
|
Cashback |
1 RP = Up to ₹0.20 |
Here are some of the important terms and conditions for redeeming HDFC credit card reward points.
Reward points will not be accrued for fuel transactions.
Reward points are only valid for 2 years from the date of accumulation.
EasyEMI and e-wallet loading transactions will not accrue reward points.
Accrued reward points will be reversed if a retail transaction is converted to SmartEMI.
If your credit card is not used for more than 365 days, the reward points accrued will be
nullified.
Insurance transactions will be capped at 2,000 reward points per month.
You can redeem a maximum of 70% on the travel bookings (flights, hotels, experiences, etc) using reward points. The rest will need to be paid via credit card.
Reward points will not be accrued for rental pay transactions, property management services like rent, maintenance, packers and movers, etc., and government transactions.
Reward points earned on grocery transactions will be capped at 2000 RP per month.
Redemption of reward points for flights and hotel bookings on the Smartbuy portal will be capped at 50,000 reward points per calendar month.
For rent payments made through third-party merchants, a fee of 1% of the total transaction amount will be levied from the second rental transaction of the calendar month.
Want a Credit Card with High Limits & Rewards?
Reward points are a great way for cardholders to make the most of their HDFC credit cards. While redeeming reward points, make sure you understand the conversion rate, as it changes depending on the category in which you are redeeming. You can get this information on the HDFC website.It is also advisable to read the reward points program terms and conditions before redeeming your points.
Apply for High Limit Credit Cards upto ₹5 Lakh*
Powered by HDFC Bank, SBI Card, Axis Bank
Depending on how you redeem your reward points, 1,000 reward points can be worth from ₹200 to ₹650.
You can easily redeem your reward points via Net Banking. To do this, log in to the Net Banking portal and navigate to ‘Cards’ > ‘Enquire’ > ‘Redeem Reward Points’.
Yes, you can redeem your HDFC Bank credit card points for cash online through net banking or offline via forms.
During promotional offer periods, you might receive 5X reward points. This means that if your credit card gives 1 reward point per ₹150 spent, then you will receive 5 reward points per ₹150 spent during the offer period.
Credit Card Insights
Debit Card Features and Benefits
CIBIL Score Check and Boost Guide
Credit Tracker Related Other Articles
Credit Score Basics and Full Forms
Disclaimer
The starting interest rate depends on factors such as credit history, financial obligations, specific lender's criteria and Terms and conditions. Moneyview is a digital lending platform; all loans are evaluated and disbursed by our lending partners, who are registered as Non-Banking Financial Companies or Banks with the Reserve Bank of India.
This article is for informational purposes only and does not constitute financial or legal advice. Always consult with your financial advisor for specific guidance.
Was this information useful?
