HDFC Credit Card offers a Credit Card Rewards

HDFC Credit Cards come with an exciting rewards program called MyRewards, designed to make your spending more rewarding. Whether it’s travel, shopping, dining, or groceries, you can earn points on almost every transaction. These reward points can be earned and redeemed for both online and offline purchases, offering unmatched flexibility and value.

How to Earn HDFC Credit Card Reward Points

Earning reward points with your HDFC Credit Card is easy—every time you use your card, you earn points (subject to minimum transaction value and card-specific terms). To make the most of your rewards, here are some tips:

  1. Choose the Right Card for Your Lifestyle: Select a card that matches your spending habits. For instance, if you frequently shop online, pick a card that offers bonus points for online purchases.
  2. Understand the Card’s Benefits: Carefully review your card’s features to make sure you’re using it in the most beneficial way.
  3. Track Expiry Dates: Keep an eye on the expiration of your reward points. Redeem them before they expire to ensure you don’t miss out on valuable rewards.

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Spending Categories to Earn Reward Points on HDFC Credit Card

With your HDFC Credit Card, you can earn reward points on a variety of everyday purchases. Every time you use your card for transactions in the following categories, you’ll be rewarded:

  • Movies
  • Groceries
  • Dining
  • Railways
  • Taxi fares
  • PayZapp
  • SmartBUY

How to Check HDFC Credit Card Reward Points

You can easily check your HDFC Credit Card reward points in the following ways:

Step 1: Using Net Banking or Mobile Banking

  • Log in to your HDFC net banking account or open the mobile banking app.
  • Look for the 'Reward Points' section on the dashboard or in the relevant menu.
  • Click on the section to view your reward points balance and related details.

Step 2: Referencing Your Credit Card Statement

  • Your monthly HDFC credit card statement will include details about your reward points.
  • Open the statement to find the section dedicated to reward points information.
  • Check your reward points balance and note any expiration dates provided in the statement.

Features of HDFC Credit Card Reward Points

HDFC Bank’s MyRewards program offers a variety of benefits when earning and redeeming reward points with your credit card. However, there are some key features to keep in mind:

  • A minimum of 500 reward points is required to begin redemption.
  • When redeeming reward points, you must fill out a redemption form and note down the Redemption Order Number for any future inquiries.
  • Items redeemed with reward points will be delivered to your registered address. If you wish to have it sent elsewhere, contact customer care.
  • If redeeming points for gift vouchers, make sure to use them before they expire.
  • Purchases made with reward points can only be exchanged or returned if defective; otherwise, returns are not permitted.
HDFC Credit cards

FAQs

HDFC credit card reward points are valid for two years from the date they are earned. For example, if you earned 1,000 reward points on 28 February 2025, they will expire by February 2027. It's important to monitor your points to maximize their benefits before they expire.

Yes, you can redeem your earned reward points against gift vouchers from top brands like Croma, BookMyShow, Raymond, Pantaloons, and more, through HDFC’s rewards catalog. Log into your net banking account to redeem the points.

HDFC charges a redemption fee of Rs. 99 for redeeming reward points for products or gift vouchers. However, this fee is waived if you redeem your reward points as cashback. A minimum of 2,500 points is required for cashback redemption.

Yes, you can redeem your reward points against products listed in the rewards catalog. Categories include travel accessories, electronics, appliances, clothing, and more. Simply browse through the catalog and use your points for the items you want.

If the merchandise received through reward points redemption is damaged or defective, you can contact HDFC credit card customer care to raise a complaint. The item will most likely be replaced with another, ensuring your satisfaction.

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Please click the links below to find details and instructions related to HDFC Bank Credit Cards that can help you in easily managing your card:

HDFC Bank Credit Cards

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