HDFC Credit Card Reward Points

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HDFC Bank Credit Card Reward Points

**Disclaimer: HDFC Bank is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only.


HDFC Bank offers an extensive credit card rewards programme. Known as ‘MyRewards’, it makes shopping an exciting experience for HDFC credit card holders. To make this experience more rewarding, HDFC Bank has partnered with several of the country’s leading brands, retail stores, hotel chains, and airlines to offer a wide range of options for the ways in which you can redeem your points.


Based on the type of HDFC credit card you own, you will be eligible to earn HDFC reward points for different categories of transactions. Once you have accumulated a specified number of reward points, you can redeem them for different lifestyle products, gift vouchers, discounts, air miles and more from the HDFC rewards catalogue. Check out all the details about the bank’s rewards programme.

How to Earn HDFC Reward Points

You can earn HDFC credit card reward points against the transactions you make using your card. Each time you use your credit card to pay, the points due on such a transaction, if any, are automatically credited to your HDFC rewards account. Keep in mind that the purchases that qualify for HDFC credit reward points may differ depending on the type of credit card. 


For instance, some HDFC cards may reward you for shopping at retail outlets, making purchases at grocery stores, or buying movie tickets. Other cards may allow you to earn points against utility bill payments. And for yet other cards, transactions at international destinations, booking flight tickets, or even purchasing fuel can earn reward points.

HDFC Reward Points on Top Credit Cards

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

HDFC Credit Card

HDFC Reward Points

HDFC Diners Club Black Credit Card

  • Earn 5 HDFC reward points for every ₹150 spent on retail purchases

  • Earn up to 10X reward points on spends made via SmartBuy and 2X on weekend dining

HDFC Bank Times Platinum Credit Card

  • Earn 3 reward points for every ₹150 spent on your card

  • Earn 10 reward points on every ₹150 spent on dining on weekdays

HDFC Bank MoneyBack Credit Card

  • Earn 2 reward points on every ₹150 spent (excluding fuel transactions, wallets loads, prepaid card loads and voucher purchases)

  • Earn 2X reward points i.e. 4 reward points on every ₹150 spent online

HDFC Bank Regalia Credit Card

  • Earn 4 reward points on every ₹150 spent 

  • Earn 10,000 bonus reward points on ₹5 lakhs worth of spends 

  • Earn an additional 5,000  reward points on ₹8 lakhs worth of spends in an anniversary year

How to Check HDFC Credit Card Reward Points

HDFC credit cards allow you to accumulate a number of reward points on most purchases. You can check the reward points you have earned so far through a number of channels including credit card statement, net banking or mobile banking. Here are the steps you can take to check your HDFC credit card reward points:

Netbanking or mobile banking:

Log in to your net banking account using your net banking credentials or bank’s mobile app. Go to the ‘reward points’ section. Click on this to check your balance.

Credit card statement:

Peruse your monthly credit card statement to get all the information about your reward points on your credit card. This statement also lets you check your balance and expiration date.

You can maximise your HDFC credit card rewards points by selecting the credit card that best suits your needs. Each credit card offers either travel, shopping or other lifestyle focused reward points, so you can choose accordingly. Also, ensure that you check the expiry date so that you can redeem your HDFC credit card points on time.

How to Redeem HDFC Credit Card Reward Points

You can easily redeem your HDFC reward points for the offers and products in the HDFC rewards catalogue. Check out the details of how you can do this.

1. HDFC Rewards Redemption via Net Banking

To redeem your HDFC credit card reward points via net banking, you need to follow the steps mentioned below. 


  • Step 1: Login to your HDFC internet banking account using your user ID and password. 

  • Step 2: Click on the ‘Credit Cards’ tab and register your credit card as a one-time activity.

  • Step 3: To complete the registration process, enter your 4-digit credit card PIN.

  • Step 4: Then, under the ‘Credit Cards’ tab, click on the ‘Redeem Reward Points’ option.

  • Step 5: Select your card, click on ‘Continue’ to proceed to the online redemption portal

  • Step 6: Choose the range of reward points and the category of items on which you wish to redeem them.

  • Step 7: Select the item(s) you wish to purchase with your reward points from the HDFC rewards catalogue. 

  • Step 8: Then, click the ‘View Shopping Cart’ option to review the items you’ve added to your cart. 

  • Step 9: Once that’s done, select the ‘Click on Edit to modify selected items, read the Terms & Conditions and click on the check box confirming that you accept the T&C.

  • Step 10: Confirm your registered address, email ID and contact number, and then click on ‘Redeem’ to redeem your reward points. 

2. HDFC Credit Card Points Redemption via Post

You can also redeem your HDFC reward points via post. Here is what you need to do.


  • Step 1: Download the HDFC credit card rewards redemption form from HDFC Bank’s official website.

  • Step 2: Fill in the form and post it to the below-mentioned address.

Rewards Helpdesk,

HDFC Bank Cards Division,

P.O. Box No: 8654

Thiruvanmiyur, P.O., Chennai

Tamil Nadu 600 041

3. HDFC Credit Card Points Redemption via Customer Care

You can also call the HDFC Bank Credit Card Customer Care on 1800 202 6161 or 1860 267 6161 for help with redeeming your reward points. 

4. HDFC Credit Card Reward Points Redemption Using HDFC Rewards Catalogue

You can use the HDFC rewards catalogue to redeem the points you have accumulated on your HDFC credit card. The catalogue contains products and vouchers from different categories such as the following -


Examples of the products or services in the catalogue


Mobile phones, speakers and headphones, pen drives and more

Travel and Luggage

Duffle bags, backpacks and more


Earrings, handbags, wallets and more

Home and Kitchen

Induction cooktop, juicer mixer grinder, air fryer, electric kettle, blenders and choppers, iron, cordless landline phones, casserole, dinner sets, storage items, and more

So, when you are planning to redeem your HDFC card rewards, make a note of the item category and the item code as mentioned in the HDFC rewards catalogue. Use these details to redeem your HDFC credit card reward points for the products of your choice.

FAQs About HDFC Credit Card Rewards

  • ✔️How much time does it take for HDFC credit card reward redemption?

    Generally, it takes around 10 to 15 days to redeem your HDFC reward points. Within this period, your product or voucher will be sent to you.

  • ✔️Can I pay my HDFC credit card bill using my reward points?

    This is typically not permitted. You can only use your reward points to avail select offers or purchases. However, in the case of some cards, like the HDFC Bank MoneyBack credit card, your accumulated HDFC reward points can be redeemed against the statement balance at the rate of ₹0.20 per point.

  • ✔️Do HDFC credit Card reward points expire?

    Yes. Most HDFC credit card reward points are valid for only two years from the date of accumulation. However, in some HDFC Bank credit cards such as the Diners Club Black credit cards, the reward points are valid for three years from the accumulation date.

  • ✔️Does HDFC Bank charge to redeem the reward points?

    No, HDFC bank does not charge you any fees for HDFC points redemption. However, when you redeem your HDFC card points, you are required to pay a sum of ₹99 as handling charges.

  • ✔️How much time does it take to redeem HDFC credit card reward points?

    After you place the request for redeeming your HDFC credit card points, it typically takes around 10-15 days for the bank to process, approve, and dispatch the requested product or voucher code to you.

  • ✔️Can I pay my HDFC credit card bill using my reward points?

    Some HDFC credit cards such as the HDFC Bank MoneyBack credit card offer the opportunity to redeem HDFC credit card rewards against statement balance. Each HDFC credit card rewards point for this transaction is worth ₹0.20.

  • ✔️Where can I use gift vouchers?

    The HDFC Bank GiftPlus card can be used at most of the outlets accepting Visa credit cards. This gift card is prepaid and can be debited automatically once swiped.

  • ✔️What are 10X reward points offered by HDFC?

    The 10x reward points program by HDFC Bank allows you to earn 10 times more reward points than usual on travel, entertainment, lifestyle and shopping purchases. 

  • ✔️How to cancel a rewards redemption request?

    You cannot cancel your rewards redemption request after you have placed an order for something. You cannot exchange or return the order or merchandise. For instance, if you have raised an air miles conversion request, you cannot cancel it.