HDFC Credit Card Reward Points

Characteristics of HDFC Credit Card Reward Points Program

HDFC Bank offers an exclusive credit card rewards initiative known as MyRewards, providing the opportunity to both accumulate and utilize reward points. The rewards structure differs across various credit cards, causing the value of HDFC credit card reward points in Indian rupees to fluctuate depending on the card type. Consider the following key points before engaging in earning or redeeming credit card reward points:

1. Minimum 500 points required for redemption.
2. Complete a redemption form to redeem points.
3. Retain Redemption Order Number for future reference.
4. Redeemed items shipped to registered address, alternate address via customer service.
5. Points from multiple cards cannot be combined.
6. Use gift vouchers before expiry.
7. No returns on redeemed items except for defects.
   

HDFC Bank has implemented notable alterations in the reward points redemption framework across distinct categories, as outlined below:

These changes come into effect from 1 January 2023, and they impact the way HDFC credit card holders earn and redeem their reward points.

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:

1. Movies
2. Groceries
3. Dining
4. Railways
5. Taxi spends
6. PayZapp
7. SmartBUY

Tips to Maximize HDFC Credit Card Reward Points

Here is a step-by-step guide on how to earn HDFC Credit Card reward points:

Step 1: Select the Right Card - Choose an HDFC Credit Card based on your lifestyle and spending habits. Opt for a card that offers rewards in categories like travel, dining, or shopping, where you frequently spend.

Step 2: Understand Features and Benefits - Go through your card's terms and conditions. Familiarise yourself with its reward structure, benefits, and associated fees, such as interest rates, annual fees, and cashback options.

Step 3: Check Transaction Eligibility - Verify which types of transactions qualify for earning reward points. Understand the minimum spend requirements and any exclusions, like fuel or wallet transactions, to avoid confusion.

Step 4: Make Transactions - Use your HDFC Credit Card for eligible transactions, such as daily purchases or bill payments. Make sure to meet the conditions set by the bank to earn reward points.

Step 5: Be Mindful of Transaction Categories - Certain categories of spending may offer more rewards. Prioritise using your card for high-reward categories like dining, travel, and online shopping to maximise points.

Step 6: Monitor Reward Points - Regularly check your credit card statement to track your accumulated points. Ensure that the points you’ve earned match your eligible transactions.

Step 7: Know Expiry Dates - Reward points typically have an expiry date. Keep track of when your points expire to ensure they are redeemed before they are no longer valid.

Step 8: Explore Redemption Options - Discover different ways to redeem your points, including for flights, merchandise, gift vouchers, or even cashback. Select the option that offers the best value based on your preferences.

Step 9: Stay Updated on Promotions - Look out for seasonal promotions, special offers, or bonus point opportunities. These can help you accumulate points faster and increase rewards.

Step 10: Redeem Wisely - Strategically redeem your points for maximum value, such as for high-value rewards like flights or hotel stays. Avoid spending them on lower-value options unless necessary.

Step 11: Regularly Review Your Points - Regularly review your reward points balance and compare it with your spending. If you notice any discrepancies, contact customer service promptly for clarification.

Step 12: Utilize Multiplier Benefits - Leverage multiplier benefits offered by your card during specific periods or for certain types of spending. These benefits can help accelerate your point accumulation, enhancing your rewards further.

How to Check HDFC Credit Card Reward Points?

You can check or verify your HDFC credit card reward points in the following ways:

NetBanking

You can check HDFC reward points using NetBanking by following the steps below.

1. Step 1: Log in to your HDFC NetBanking account by entering your User ID and password.
2. Step 2: Once logged in, click on the ‘Credit Cards’ tab located at the top of the homepage.
3. Step 3: Select the relevant credit card from the list of cards associated with your account.
4. Step 4: In the credit card details section, look for the 'Reward Points' section where your accumulated points will be displayed.

HDFC Mobile App

Check your HDFC reward points on the HDFC mobile app by following these instructions:

1. Step 1: Open the HDFC Bank mobile app and log in using your credentials.
2. Step 2: Tap on the ‘Credit Cards’ tab from the main menu or dashboard.
3. Step 3: Choose the credit card for which you want to check reward points.
4. Step 4: On the card details page, you will find your current reward points balance shown prominently.

Through Monthly Credit Card Statement

You can view your HDFC reward points on your monthly credit card statement by reviewing the rewards section.

1. Step 1: Wait for the arrival of your HDFC Credit Card’s monthly statement, which is typically sent via email or accessible through NetBanking or the mobile app.
2. Step 2: Open your credit card statement, either digitally or in printed form.
3. Step 3: Look for the ‘Reward Points’ section in the statement, where it will clearly show how many points you’ve accumulated during the billing period.

By Contacting Customer Service

Follow the steps described below to check your reward points by calling HDFC customer service:

1. Step 1: Call HDFC Bank’s customer service helpline at their toll-free number or use the contact number listed on your credit card.
2. Step 2: Provide your credit card number and other required details to the representative.
3. Step 3: Ask for the current status of your reward points balance, and they will provide the information.
4. Step 4: You may also request to receive updates regarding your reward points via email or SMS if needed.

How to Redeem HDFC Credit Card Reward Points?

Netbanking

Redeeming your reward points with HDFC Bank is a simple process. Once you have accumulated at least 500 points, follow these steps to claim your rewards via Netbanking:

1. Step 1: Use your NetBanking ID and password to access the platform. Navigate to the Credit Cards section at the top.
2. Step 2: Click on 'Register New Card' in the left sidebar and enter your four-digit Credit Card PIN to complete registration.
3. Step 3: Once your card is registered, click on the 'Redeem Reward Points' link on the left navigation bar.
4. Step 4: Select the Credit Card you wish to redeem points from and proceed to the redemption page.
5. Step 5: Click on 'Redeem Reward Points' on the homepage to begin the process.
6. Step 6: Select your points range and item category to explore the available rewards.
7. Step 7: Choose the items you'd like to redeem and add them to your cart.
8. Step 8: Once you have added all items, click ‘View Shopping Cart’. You can edit your selection here if needed.
9. Step 9: Read the terms and conditions, confirm your registered details, and make sure everything is correct.
10. Step 10: Click on ‘Redeem’ to complete the process and note down the Redemption Order Number for future reference.

Redeeming HDFC Credit Card Reward Points Offline

When opting to redeem your HDFC reward points offline, the process involves submitting a properly filled redemption form. Here's what you need to do:

1. Step 1: Download the redemption form.
2. Step 2: Complete the form with accurate details.
3. Step 3: Submit the filled form through one of these methods:
   1. Send it via mail to the following address: Rewards Helpdesk, HDFC Bank Cards Division, P.O.Box No. 8654, Thiruvanmiyur P.O., Chennai.
   2. Drop it at the nearest HDFC credit card dropbox.

HDFC Credit Card Rewards Catalogue

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

1. Headphones and speakers
2. Travel accessories
3. Tupperware
4. Lifestyle
5. Storage devices
6. E-voucher
7. Travel and luggage
8. Gift vouchers
9. 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.

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