HDFC Bank Credit Card Reward Points

HDFC Bank has teamed up with leading brands across the globe to offer its customers an elevated credit card rewards programme. Keep reading to know more about their impressive credit card rewards points system.

HDFC Bank Credit Card reward points offer a plethora of benefits that can make your purchases with the credit card a lot more rewarding. The reward points you earn through your credit card transactions can reduce your cost of your future purchases and bill payments. 

Given below is an overview of the perks you can enjoy with these points:

• Facility to convert your points into purchase vouchers  

• Option to redeem the points at the time of making bookings for travel, stay, and more

• Reward points can be used to pay credit card bills

• Utilise points to purchase items from the HDFC Bank Credit Card rewards catalogue

Generally, credit card issuers offer reward points for any payments you make through the card. Similarly, you can earn HDFC Credit Card rewards points for eligible transactions. 

The rewards points are directly credited to your rewards account and will reflect in your monthly statement. Keep in mind that the purchases that qualify for these points may differ depending on the type of credit card. 

For instance, HDFC Regalia Credit Card reward points redemption will have different terms in comparison to the HDFC MoneyBack Credit Card. Some transactions at international destinations, flight bookings, or even fuel payments can generate reward points 

Other cards may allow you to earn points against utility bill payments, movie tickets, groceries, and similar transactions. You can find the detailed terms and conditions of your points on the bank’s website. 

Here is a list of HDFC Credit Card reward points you can earn against spends based on the type of card. 

HDFC credit cards allow you to earn points on most purchases. You can check the earned reward points through a number of channels. Here are the steps you can take to check your HDFC Credit Card reward points:

• Net Banking

Login to your internet banking account using your credentials on the website or bank’s mobile app. Go to the ‘reward points’ section and check your balance.

• Credit Card Statement

Peruse your monthly statement to get all the information about the points earned on your credit card. Also, ensure that you check the expiry date so that you can redeem them on time.

To ensure that you redeem the points and make the most of your credit card, staying updated with the terms and conditions is crucial. 

Here is an overview of the updated terms and conditions on HDFC Bank credit card reward points redemption:

• Redeeming points to book flights and hotel is capped at 1,50,000, 75,000, and 50,000 points, depending on the card

• Redeeming points against the credit card bill is capped at 3,000 points and 50,000 points, depending on the card

• Redeeming against vouchers is capped at 70% 

• Rent payments will not be eligible for reward points

• Government transactions will not be eligible for reward points for certain cards

• Reward points earned on grocery transactions capped at 2,000 and 1,000 depending on the card

For the MoneyBack card, 100 HDFC credit card reward points have a value in rupees of ₹0.20 for cashback. For airmiles, across major airlines programmes, the value of 1 point equals to ₹0.30