How To Redeem HDFC Reward Points July 2025

If you’ve been using your HDFC credit card regularly, you’ve probably built up a decent stash of HDFC reward points—but are you making the most of them? Many people don’t realize how easy it is to redeem HDFC credit card points or how to get the best value when they do.

In this easy-to-follow 2025 guide, we’ll show you exactly how to redeem HDFC reward points, whether you prefer doing it online, offline, or through the SmartBuy platform. You’ll also find helpful tips to maximize every point you’ve earned. So if you’ve been wondering how to redeem HDFC credit card reward points, this guide has you covered from start to finish.

What are HDFC Credit Card Reward Points?

Every time you use your HDFC credit card, you earn reward points as part of HDFC Bank’s loyalty program. These HDFC points can add up quickly and be redeemed for a variety of exciting options.

You can use your HDFC credit card reward points for:

• Booking flights and hotels
• Redeeming e-gift vouchers from top brands like Amazon and Flipkart
• Shopping for merchandise via HDFC’s rewards catalog
• Getting cashback or applying the points as a statement credit
• Converting them into air miles (available on select travel cards)

Whether you’re a frequent shopper or a travel enthusiast, HDFC reward points redemption lets you enjoy real value. Not just for credit card users—if you’re wondering how to redeem HDFC debit card points, similar options may also be available depending on your card type.

Where Can You Redeem HDFC Credit Card Reward Points?

Redeeming your HDFC credit card reward points is quick and convenient—HDFC offers multiple ways to use your accumulated points based on your preference.

You can redeem your reward points in HDFC through these three main channels:

• HDFC NetBanking – The most popular and user-friendly method. Just log into your NetBanking account, go to your credit card section, and check out the reward points redemption options.
• HDFC SmartBuy Portal – Ideal for getting extra value on redemptions. Here, you can book flights, hotels, or grab e-vouchers using your HDFC credit card redeem points.
• HDFC Customer Care / Email Requests – This option is available but less recommended due to slower processing. Most users prefer online portals for faster service.

Whether you’re using a credit or debit card, your HDFC debit card rewards or reward points in HDFC can be converted into vouchers, merchandise, or even cashback. For those asking how to redeem reward points, HDFC makes the process easy and accessible. And yes, in some cases, you can even redeem HDFC credit card points to cash through statement credits.

How to Redeem HDFC Credit Card Reward Points via NetBanking?

Wondering how to use reward points in HDFC credit card? Here’s a simple guide to help you redeem your HDFC reward points using NetBanking:

Step 1: Log in to HDFC NetBanking

Go to HDFC Bank netbanking and log in using your Customer ID and password. This is the first step to access your credit card reward points in HDFC.

Step 2: Head to the ‘Cards’ Section

Once logged in, click on the ‘Cards’ tab in the top menu, then select your Credit Card option.

Step 3: Click on ‘Redeem Reward Points’

Under the ‘Enquire’ section, choose ‘Redeem Reward Points’. This is where your redemption journey begins!

Step 4: Select the Credit Card

If you have multiple cards, select the one you’d like to redeem points from.

Step 5: Browse the HDFC Rewards Catalogue

Now, explore the wide range of categories available for HDFC bank reward points redemption:

• Air Miles
• Flight & Hotel Bookings
• Lifestyle Products
• Gift Vouchers
• Cashback (ideal if you want to convert HDFC reward points to cash)

Step 6: Add to Cart & Confirm

Add the item or voucher to your cart, confirm your delivery details like address, mobile number, and email—and you’re good to go.

⏱️ Delivery Time: Most rewards like vouchers or air miles are delivered instantly or within 3–5 working days.

Whether you’re using a HDFC rewards debit card or a credit card, this is the easiest method to make the most of your accumulated points. If you’re asking, how to redeem HDFC credit card points without NetBanking, you can also try HDFC SmartBuy or contact customer support.

And don’t forget—you can track your HDFC redeem points anytime online, and even fill out the HDFC bank reward points redemption form if needed for offline use.

How to Redeem HDFC Credit Card Reward Points on SmartBuy

If you’re wondering how to redeem HDFC credit card reward points, HDFC SmartBuy is one of the best platforms to do it—especially if you’re looking for extra value on flights, hotels, or vouchers.

Step-by-Step Guide

1. Visit the official SmartBuy website: Go to HDFC Bank SmartBuy.
2. Select your redemption category: Click on ‘Redeem Reward Points’ or head over to the Flights, Hotels, or Vouchers sections.
3. Log in securely: Use your registered mobile number with OTP, or log in via HDFC NetBanking.
4. Choose your payment method: Pick a mix of reward points + payment if required. This is great for partial redemptions.
5. Complete the checkout: Confirm your booking or voucher selection and finish the transaction.

Pro Tip: When you redeem through SmartBuy, you get better conversion rates and exclusive discounts, making it one of the smartest ways to use your reward points in HDFC credit card.

Whether you’re looking to redeem HDFC reward points online, book a trip, or grab a gift voucher, SmartBuy makes the entire process smooth. You can also use the HDFC reward points redeem form if you prefer offline methods, but online via SmartBuy is quicker and offers more perks.

It’s one of the most efficient options for HDFC credit card reward points redemption online—and a great way to maximize your card benefits!

How Many HDFC Reward Points Do You Need?

Wondering how much your HDFC credit card points are worth before redeeming them? The value of each reward point can vary based on how you choose to use them and which HDFC credit card you hold.

Redemption Type	Approx. Value of 1 Point
Gift Vouchers	₹0.25 – ₹0.35
Flight/Hotel via SmartBuy	₹0.30 – ₹0.50
Cashback	₹0.20 – ₹0.25
Air Miles (for select cards)	1 RP = 0.5 air mile

If you’re planning to redeem HDFC credit card points, using SmartBuy for flight and hotel bookings generally gives the best value. On the other hand, cashback redemptions are slightly lower in value but offer quick savings.

So before you redeem HDFC reward points, it’s worth checking the value you’re getting in return. Whether it’s gift vouchers, cashback, or air miles, your points can add up to real benefits—especially when used smartly.

Best HDFC Credit Cards for Reward Point Redemptions

If you’re looking to get the most out of your HDFC reward points, choosing the right credit card makes all the difference. Below are some of the best HDFC credit cards that offer great value when it comes to reward points redemption—whether you’re booking travel, shopping online, or redeeming for cash:

HDFC Bank Credit Card Name	Key Benefit
HDFC Bank Regalia	Great for SmartBuy bookings—earn & redeem for high travel value.
HDFC Bank Millennia	Ideal for cashback lovers and flexible voucher redemptions.
HDFC Bank Diners Club Black	Perfect for global travelers; redeem for air miles and premium perks.
HDFC Bank Tata Neu Infinity	Earn NeuCoins and enjoy exclusive Tata partner offers.
HDFC Bank Infinia	Premium travel benefits, plus 1:1 reward point transfer to airlines.

These cards not only let you redeem HDFC bank credit card points with ease but also maximize the return on every rupee you spend. Whether you’re using HDFC credit card reward points redemption online or opting to redeem points to cash, these cards are designed to reward you in the smartest way possible.

How to Convert HDFC Reward Points to Cashback

If you’ve collected a good number of reward points on your HDFC credit card, you can turn them into real savings by converting them into cashback. While not all HDFC cards offer this feature, many popular ones do—especially if you’re using the card for everyday expenses.

Cards That Let You Redeem Reward Points as Cashback:

• HDFC Bank Millennia Credit Card
• HDFC Bank MoneyBack+ Credit Card
• HDFC Bank Business MoneyBack Card
• Selected Corporate and Business Cards

Steps to Redeem Reward Points as Cashback:

1. Log in to your HDFC Bank NetBanking
2. Go to Cards > Credit Cards.
3. Click on Redeem Reward Points.
4. Select your eligible credit card.
5. Head over to the Cashback section in the rewards catalog.
6. Pick the cashback amount (like ₹500 or ₹1000), add to cart, and confirm.

The cashback will be credited to your card account in 5–7 working days.

Pro Tip: Always check your card’s reward point conversion rate. Typically, 1,000 points = ₹250, but it can vary based on your card type.

With this method, it’s easy to redeem HDFC credit card points, whether you want to reduce your bill or simply get money back. You can also track your HDFC credit card reward points online through NetBanking to know how much you can convert.

Do HDFC Reward Points Expire?

Yes, HDFC reward points do expire—they come with a validity of 2 years (24 months) from the date they’re earned. If you don’t redeem them within that period, they’ll simply vanish.

For Example: If you earned points on June 1, 2023, they’ll expire on June 1, 2025, unless redeemed.

Important to Know:

• Expired HDFC points cannot be recovered
• Reward points don’t carry forward forever
• Staying on top of your rewards can help you make the most of them

Pro Tip: Set a calendar reminder every 6 months to review and redeem your HDFC credit card reward points.

How to Check Expiry of HDFC Credit Card Reward Points?

You can easily check when your HDFC reward points are expiring using these methods:

1. NetBanking

• Log in to HDFC NetBanking
• Go to Cards > Enquire > View Reward Points Summary
• You’ll see earned, used, and soon-to-expire points

2. HDFC Mobile App

• Open the app and go to Cards
• Select your credit card
• Your current HDFC points balance appears on the screen

3. Credit Card Statement

• Scroll to the bottom of your monthly statement
• You’ll find:
  • Opening balance
  • Points earned
  • Points redeemed
  • Points expired

You usually need at least 500 reward points to start redeeming.

Are There Charges to Redeem HDFC Reward Points?

In most cases, yes—HDFC Bank charges a redemption fee, depending on how you use your points.

Type of Redemption	Fee
Gift Vouchers	₹99 + 18% GST = ₹116.82
Merchandise Delivery	₹99 + 18% GST = ₹116.82
Cashback	Usually Free
Air Miles	No charges

• These charges are debited from your credit card, not from your points
• No fee is applied when redeeming via SmartBuy for flights, hotels, etc.
• Always check terms & conditions before confirming redemption

With so many options to redeem HDFC credit card reward points—from gift vouchers and cashback to air miles—you want to make sure none of your points go to waste. Use NetBanking, the HDFC app, or your monthly statement to track HDFC credit card reward points, check expiry, and redeem before they vanish.