How to Claim Reward Points in HDFC Credit Card (Complete Guide)

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HDFC credit cards allow you to earn reward points every time you spend on shopping, dining, travel, or online payments. These reward points can later be redeemed for vouchers, products, travel bookings, or even cashback, depending on your card type.

In this guide, you’ll learn how to check and claim reward points on your HDFC credit card, along with important rules and tips to maximize their value.

1. Check Your HDFC Credit Card Reward Points Balance

Before redeeming points, you need to know how many reward points you have.

Ways to check reward points:

  • Log in to HDFC NetBanking
  • Use the HDFC Mobile Banking App
  • Check your monthly credit card statement
  • Call HDFC credit card customer care

Your available reward points are usually updated after each billing cycle.

2. Claim Reward Points Through HDFC NetBanking

This is the most commonly used method.

Steps:

  1. Log in to HDFC NetBanking.
  2. Go to Cards → Credit Card.
  3. Click on Redeem Reward Points.
  4. Browse available options like vouchers, products, or cashback.
  5. Select the reward and confirm redemption.

Once confirmed, the reward is processed as per HDFC timelines.

3. Redeem Reward Points Using HDFC Mobile Banking App

If you prefer using your phone, you can redeem points through the app.

Steps:

  1. Open the HDFC Mobile Banking App.
  2. Log in with your customer ID.
  3. Tap on Credit Cards.
  4. Select Reward Points / Redeem.
  5. Choose your reward and complete the process.

This method is quick and convenient for regular users.

4. Claim Reward Points via SmartBuy (HDFC Rewards Portal)

HDFC SmartBuy is the official rewards platform where you can get better value on points.

Steps:

  1. Visit the HDFC SmartBuy rewards portal.
  2. Log in using your registered details.
  3. Choose categories like shopping, travel, vouchers, or gift cards.
  4. Redeem your reward points.

SmartBuy often provides higher reward value compared to standard redemption.

5. Redeem HDFC Reward Points for Travel Bookings

Many HDFC credit cards allow reward points to be used for flights and hotels.

How it works:

  • Go to SmartBuy travel section
  • Select flights or hotels
  • Use reward points fully or partially during checkout

This option is ideal if you travel frequently.

6. Claim Reward Points for Cashback or Statement Credit

Some HDFC cards allow reward points to be converted into cashback.

Process:

  • Select cashback or statement credit during redemption
  • Confirm redemption
  • The amount gets adjusted in your next statement

Availability depends on your specific credit card.

7. Important Rules for HDFC Reward Points Redemption

Before redeeming, keep these points in mind:

  • Reward points usually expire after 2–3 years
  • A redemption fee may apply on some cards
  • Points cannot be transferred between cards
  • Minimum points may be required for redemption

Always check card-specific terms before claiming rewards.

8. Why Reward Points Redemption May Fail

Sometimes redemption may not go through due to:

  • Insufficient reward points
  • Technical issues
  • Card blocked or inactive
  • Points expired

If this occurs, wait for some time and reach out to customer support if needed.

Frequently Asked Questions (FAQ)

1. How can I check reward points on my HDFC credit card?

You can check your reward points through NetBanking, the HDFC mobile app, your credit card statement, or by calling customer care.

2. Do HDFC credit card reward points expire?

Yes, most reward points expire after 2 to 3 years, depending on the card type.

3. Is there a fee for redeeming HDFC reward points?

Some HDFC cards charge a small redemption fee, which is mentioned in the card’s terms and conditions.

4. Can I convert HDFC reward points into cash?

You cannot withdraw them as cash, but many cards allow conversion into cashback or statement credit.

5. Which is the best way to use HDFC reward points?

Redeeming points through SmartBuy for travel or vouchers usually gives the best value.

Conclusion

Claiming reward points on an HDFC credit card is simple and rewarding when done the right way. Whether you redeem through NetBanking, the mobile app, or SmartBuy, using your points before expiry helps you get real value from everyday spending.

Regularly checking your reward balance and choosing high-value redemption options can make your HDFC credit card even more beneficial.

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