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

To make the most of your HDFC Credit Card rewards, focus on these core strategies:

1. Choose & Understand Your Card: Select a card that aligns with your spending habits (e.g., travel, shopping). Understand its reward structure, eligible transactions, and any exclusions like fuel or wallet loads.
2. Spend Strategically: Prioritize using your card for high-reward categories (like dining or online shopping) and on your birthday to earn accelerated 10x points. Use it for daily purchases to ensure a steady accumulation.
3. Boost Your Earnings: Keep an eye out for special promotions, bonus offers, and multiplier benefits that allow you to earn points faster on specific types of spending.
4. Track & Manage Your Points: Regularly check your statement to monitor your points and watch for their expiry dates. This ensures you can use them before they are lost.
5. Redeem for Maximum Value: Explore all redemption options, from merchandise to flights. To get the best value, redeem your points for high-value rewards like air travel or hotel stays rather than low-value merchandise.

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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