How To Use HDFC Bank Credit Card Reward Points

HDFC Bank is one of India’s leading banks and is popular for its financial products. One of the bank’s most successful products till date has been the HDFC Bank credit card, widely known for rewarding customers with benefits, cashback offers, reward points and more. But once you have earned these reward points, how exactly do you plan on using it?

In this blog, we will go over the various ways to use the HDFC Bank credit card reward points. 

How does the HDFC Bank credit card reward points work?

The HDFC credit cards come with a rewards program where you earn points for every purchase. The rate at which you earn points depends on the type of HDFC credit card you hold. For example, premium cards like HDFC Infinia or HDFC Regalia offer higher reward points per spend compared to basic cards.

If you have an HDFC Bank credit card, but think that you are not getting enough rewards, then have you thought about switching to a credit card from Airtel Finance instead? Check out all the options on the Airtel Thanks app. 

Read more: Earn and redeem reward points on credit cards

How to earn HDFC Bank credit card reward points?

Before you can use your reward points, it’s essential to know how to collect them:

• Regular Purchases – Earn points on everyday transactions like groceries, dining, and fuel.
• Bonus Categories – Some cards offer higher points for specific categories such as travel, dining, or online shopping.
• Special Offers – Periodic promotions provide additional points for spending within a particular timeframe or on specific merchants.

How to check the rewards point balance on HDFC Bank credit card?

To effectively use your HDFC credit card reward points, you need to know your current balance. Here’s how you can check your points:

• Online Banking: Log in to your HDFC net banking account, navigate to the credit cards section, and check your reward points balance.
• HDFC Mobile App: Use the HDFC Bank mobile app to view your reward points under the credit card section.
• Credit Card Statement: Your monthly credit card statement will also show the number of reward points you have earned.
• Customer Service: Call the HDFC customer care helpline to inquire about your reward points balance.

Read more: Credit card balance refund: process, time, and everything else

How to redeem HDFC Bank credit card reward points?

Once you’ve accumulated a substantial number of reward points, you can redeem them through various options:

HDFC Bank reward catalogue

HDFC offers a comprehensive rewards catalogue where you can choose from a wide range of products and services. Here’s how to redeem points via the catalogue:

• Log in to your HDFC net banking account and go to the ‘Cards’ section. Click on ‘Redeem Reward Points’.
• Explore categories such as electronics, home appliances, fashion, and more.
• Add the desired items to your cart and proceed to checkout.
• Confirm the number of points to be redeemed. If you don’t have enough points for a particular item, you can pay the balance amount via your credit card.

Online shopping

You can use your reward points for online shopping at select merchant websites. Here’s how:

• Visit HDFC partner e-commerce sites like Amazon, Flipkart, or others listed on the HDFC rewards portal.
• At checkout, select the option to pay with HDFC Bank reward points.
• Enter the number of points you wish to use and complete the purchase. Any remaining amount can be paid using your HDFC Bank credit card.

Read more: Make UPI payments through credit cards

Travel bookings with reward points

HDFC Bank allows you to redeem your reward points for booking flights, hotels, and holiday packages:

• Log in to the HDFC travel portal through your net banking account.
• Search for flights, hotels, or holiday packages and make your selections.
• Use your reward points to pay for the booking, either fully or partially.

Cashback offers and statement credit

You can also convert your reward points into cashback or statement credit:

• Log in to your HDFC net banking account.
• Go to the rewards redemption section and select the option for cashback.
• Choose the number of points to convert into cashback, which will be credited to your card account as statement credit.

Gift vouchers

Redeem your HDFC Bank credit card reward points for gift vouchers from popular brands:

• Visit the HDFC rewards portal and browse through the available gift vouchers.
• Choose the desired vouchers and complete the redemption process. The voucher codes will be sent to your registered email address.

The HDFC credit card reward points offer a flexible and valuable way to get more out of your spending. Use these credit card rewards and make the most out of your day. Who says using credit cards are bad? Start swiping and get more benefits every time you use the HDFC Bank credit card!