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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.

Benefits of HDFC Credit Card Reward Points

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

How to Earn HDFC Reward Points

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. 

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 reward points for every ₹150 spent on retail purchases

  • Earn up to 10X reward points on spends made at partner outlets and 2X points on weekend dining

HDFC Bank Times Platinum Credit Card

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

  • Earn 10 points on every ₹150 spent on dining (weekdays)

HDFC Bank MoneyBack Credit Card

  • Earn 2 reward points on every ₹150 spent (offline) 

  • Earn 4 reward points on every ₹150 spent (online)

HDFC Bank Regalia Credit Card

  • Earn 10,000 bonus reward points on spending ₹5 Lakhs

  • Additional 5,000 reward points on spending ₹8 Lakhs

How to Check HDFC Credit Card Reward Points

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.

How to Redeem HDFC Credit Card Reward Points

You can easily redeem your points for the offers and products in the rewards catalogue. Listed below are the steps on how to redeem HDFC Credit Card reward points in different ways.

1. HDFC Rewards Redemption via Net Banking

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

  • Visit the bank's website and login to your net banking account 

  • Navigate to the ‘Credit Cards’ tab

  • Complete the registration process 

  • Enter your PIN to complete registration

  • Click on the ‘Redeem Reward Points’ option

  • Select the card you wish redeem points from

  • Click on ‘Continue’ 

  • Choose the range of reward points 

  • Select the item(s) you want 

  • Click the ‘View Shopping Cart’ option 

  • Review the items you’ve added to your cart

  • Read the terms & conditions and click on the check box to accept it

  • Click on ‘Redeem’ to place the request

  • Save the redemption request number

2. HDFC Credit Card Points Redemption via Post

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

  • Download the redemption form from the official website

  • Fill in the form and post it to, 


Rewards Helpdesk, 

HDFC Bank Cards Division, 

P.O. Box No: 8654, 

Thiruvanmiyur, P.O., 

Chennai, Tamil Nadu - 600041

3. HDFC Credit Card Points Redemption via Customer Care

You can also call the HDFC Bank Credit Card Customer Care on 18002026161 or 18602676161 for help with redeeming your reward points. 

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

You can use the 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, 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

Storage devices

Get a pen drive with storage up to 32GB against your reward points


Vouchers worth up to ₹5,000 from brands like Joyalukkas, Max Fashion, Hidesign, Kalyan Jewellers, Pantaloons, BookMyShow, Lifestyle, and more.

While redeeming the points, note the item category and the item code as mentioned in the rewards catalogue. Use these details to redeem your HDFC Credit Card reward points for the products of your choice.

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HDFC Credit Card Reward Points Program Important Changes from 1st January 2023

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


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on HDFC Credit Card Rewards

How much time does it take for the redemption request to process?

Generally, the process can take up to 15 days. Within this period, the product or voucher will be sent to you.

Can I pay my credit card bill using my reward points?

Yes, depending on your card you can use up to 50,000 of your points to clear your bill. Some HDFC credit cards such as the HDFC Bank MoneyBack Credit Card offer the opportunity to redeem reward points against statement balance. Each HDFC Credit Card rewards point for this transaction is worth ₹0.20.

Do HDFC Credit Card reward points expire?

Yes. The validation period for your HDFC Credit Card reward points depend on the type of card you have. For some, the period may be 24 months and for others it may be up to 36 months.

Does HDFC Bank charge to redeem the reward points?

When you redeem your HDFC Credit Card points, you are required to pay a sum of ₹99 as handling charges.

Where can I use gift vouchers?

The gift voucher you avail against your reward points can be used for the purpose mentioned on the voucher.

What are 10X reward points offered by HDFC?

Under this program, you can earn 10 times more reward points than usual on select transactions.

How can I cancel a rewards redemption request?

You cannot cancel your request, exchange, or return the order/merchandise.

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