Maximise HDFC Bank Credit Card Rewards: Unlock the Secrets

HDFC Bank Credit Card Reward Points

HDFC Bank's credit card reward points programme, known as MyRewards, provides a range of benefits and rewards to its Credit card holders. Here are some key points to understand about the programme:

Earning Reward Points

You can earn reward points by using your HDFC Bank credit card for various transactions. The rate at which you earn points varies depending on the type of credit card you hold. For example:

1. HDFC Bank Regalia First Card and HDFC Bank Regalia Card: 4 points for every ₹150 spent.

2. HDFC Bank Diners Club Black Card: 5 points for every ₹150 spent.

3. HDFC Bank Freedom Credit Card: 1 point for every ₹150 spent, with additional points for specific categories like birthday spending, PayZapp, SmartBuy, grocery shopping, dining, and railway tickets.

4. HDFC Bank MoneyBack Credit Card: 2 points for every ₹150 spent, with 2x points on all online transactions.

Maximising Reward Points

Here are some tips for maximising your reward points:

1. To maximise your reward points, choose a credit card that aligns with your spending habits. For instance, if you shop frequently online, opt for a card that offers more rewards on online transactions.

2. Certain spending patterns, such as spending during specific periods or on particular websites (like Snapdeal), can yield more points than regular purchases.

3. Keep an eye on the expiration dates of your reward points to ensure you redeem them before they lapse.

Redemption Options

Reward points can be redeemed for various benefits, such as gift vouchers, cashback, air miles, and products from the rewards catalogue. For example, the HDFC Bank MoneyBack Credit Card allows redemption for cashback where 100 points equal ₹0.20 or for air miles where 1 point equals ₹0.30.

Knowing how to check your reward points balance is essential for managing and redeeming your rewards effectively.

How to Check Reward Points for your HDFC Bank Credit Card

To check your HDFC Bank credit card reward points, you can follow these steps:

Online Method

Log in to NetBanking:
- Access the HDFC Bank website and log in to your net banking account using your customer ID and password.
Navigate to Credit Card Section:
- Go to the 'Credit Card' tab from the top bar and click on it.
Access Reward Points:
- Click on 'Redeem Reward Points' or 'Enquire' tab to view your reward points balance.

Statement and Notifications

You can also check your reward points through your monthly credit card statement, which typically includes a section detailing your current reward points balance. Additionally, HDFC Bank may send notifications and updates regarding your reward points via email or SMS.

Customer Service

If you need assistance or have questions about your reward points, you can contact HDFC Bank's customer service. They can provide you with the current balance and guide you on how to redeem your points.

Redeeming your HDFC Bank Credit Card Reward Points

As an HDFC Bank credit card holder, you have the flexibility to redeem your accumulated reward points through various convenient methods. Whether you prefer online redemption via internet banking or mobile banking, offline redemption, or converting points to air miles for travel cards, HDFC Bank offers a seamless process to utilise your hard-earned points. Let's explore each redemption method in detail.

Redeeming Reward Points Online through Internet Banking

To redeem your reward points online using HDFC Bank's internet banking facility, follow these simple steps:

Login to NetBanking using your customer ID and password.

Navigate to the 'Credit Card' tab from the top bar.

Click on 'Redeem Reward Points' on the left panel.

Choose the card for which you want to redeem reward points and click on 'Continue' to proceed to the online redemption portal.

On the redemption portal homepage, click on 'Redeem Reward Points' and select your 'Points Range' and 'Item Category' to view the rewards catalogue.

Add the desired items to your shopping cart.

Review your shopping cart, modify items if necessary, read and accept the Terms & Conditions, and then confirm the redemption. Note down the Redemption Order Number

Redeeming points online through internet banking is a quick and hassle-free process. Similarly, you can also redeem your reward points using the HDFC Bank mobile banking app.

Redeeming Reward Points Online via Mobile Banking

While the specific steps may vary slightly, redeeming reward points through the HDFC Bank mobile banking app generally involves the following:

Open HDFC Bank Mobile Banking App and log in to your account.

Navigate to the section related to Credit Cards.

Look for an option to 'Redeem Reward Points', which may redirect you to the online redemption portal or a similar interface.

Once in the redemption portal, follow similar steps as outlined for internet banking to select and confirm your redemption.

Redeeming points via mobile banking offers the convenience of managing your rewards on the go. However, if you prefer an offline method, HDFC Bank also provides that option.

How to Redeem Reward Points Offline

To redeem your HDFC Bank credit card reward points offline, follow these steps:

Download the Redemption Form from the HDFC Bank website.

Fill Out the Form with the necessary details.

Post the Form to 'Rewards Helpdesk, HDFC Bank Cards Division, P.O.Box No. 8654, Thiruvanmiyur, P.O., Chennai 600 041' or drop it at your nearest HDFC Bank credit card drop box.

Offline redemption may take longer compared to online methods but provides an alternative for those who prefer traditional means. If you hold an HDFC Bank travel credit card, you can also convert your reward points into air miles.

Converting Reward Points to Air Miles for Travel Cards

To convert your HDFC Bank travel credit card reward points into air miles, follow these steps:

Log Into NetBanking using your customer ID and password.

Navigate to the 'Credit Card' tab.

Click on 'Redeem Reward Points' and navigate to the air miles or travel rewards section.

Choose the airline programme you wish to transfer your points to (e.g., InterMiles, etc.).

Convert points into air miles according to the conversion ratio (e.g., 1 point equals ₹0.30 for some cards).

Use Air Miles to book flights or other travel-related services. For example, with the HDFC Bank Diners ClubMiles Credit Card, you can redeem points to plan your travel with over 150 airlines and hotels globally.

Converting reward points to air miles is an excellent option for frequent travellers, allowing them to enjoy discounted or free travel bookings.

HDFC Bank Credit Card Reward Redemption Category List

HDFC Bank offers a wide range of categories for redeeming your hard-earned credit card reward points. Whether you're looking for products, gift vouchers, or travel experiences, there's something for everyone. Here's a comprehensive list of the categories available for reward points redemption against your HDFC Bank credit card:

Category	Description
Products	Electronic devices, travel accessories, storage devices, lifestyle products
Gift Vouchers	E-vouchers from various brands, including retail, dining, and travel
Air Miles	Convert points to air miles for booking flights
Cashback	Redeem points as cash credit to your credit card account
Travel & Luggage	Travel bags, luggage, and other travel-related items
Accessories	Watches, sunglasses, jewellery, and other personal accessories
Appliances	Home appliances, kitchen appliances, and electronics
Clothing	Apparel from various brands and retailers
Dining	Vouchers for restaurants and dining experiences
Entertainment	Vouchers for movie tickets, events, and other entertainment activities
Fuel	Fuel surcharge waivers or related benefits
Hotels & Accommodation	Bookings with hotels, such as OYO hotels
Ride Bookings	Rewards on ride bookings with services like Uber

With such a diverse selection of redemption options, you can make the most of your HDFC Bank credit card rewards and treat yourself to something special. Many popular brands also offer e-vouchers that can be redeemed using your reward points.

Popular Brands Offering E-Vouchers with HDFC Bank Credit Card Rewards

HDFC Bank has collaborated with numerous well-known brands across various sectors to provide its credit card users with attractive e-voucher redemption options. The following table highlights some of the most popular brands and their respective categories:

Brand	Category	Description
Apple	Electronics	Redeem points for Apple products, though limited to one product per calendar quarter for Infinia and Infinia Metal cards.
Tanishq	Jewellery	Redeem points for Tanishq vouchers, capped at 50,000 points per calendar quarter for Infinia and Infinia Metal cards.
BigBasket	Groceries	Earn and redeem points on grocery purchases, especially with cards like the HDFC Bank Freedom Credit Card.
BookMyShow	Entertainment	Earn and redeem points on entertainment bookings, such as movie tickets.
Swiggy	Food	Earn and redeem points on food orders through Swiggy.
Uber	Travel	Earn and redeem points on ride bookings through Uber.
OYO Hotels	Hospitality	Earn and redeem points on hotel bookings through OYO.
Dineout	Dining	Redeem points for discounts at select restaurants via Dineout.

By partnering with these popular brands, HDFC Bank offers its credit card users a seamless and rewarding experience when redeeming their accumulated points. Whether you prefer to indulge in premium electronics, treat yourself to exquisite jewellery, or enjoy the convenience of online services, HDFC Bank's e-voucher redemption options cater to a wide range of preferences.

Frequently Asked Questions

How do I earn HDFC Bank credit card reward points?

You can earn reward points by making purchases with your SBI credit card. The number of points earned varies based on the card type and spending category.

What is the minimum number of points required to redeem rewards?

To initiate rewards redemption, you need to have a minimum of 500 reward points in your account.

How can I redeem my HDFC Bank credit card reward points online?

Log into your HDFC internet banking account, navigate to the ‘Credit Card’ tab, click on ‘Redeem Reward Points,’ and select your card and desired rewards from the catalogue.

Can I redeem my HDFC Bank credit card reward points offline?

Yes, you can redeem your points offline by filling out a redemption form and posting it to the HDFC Bank Cards Division or dropping it at a nearby HDFC Bank drop box.