How to check and redeem HDFC Credit card points?

HDFC Credit card gives reward points for transactions done on your credit card. You will get reward points based on the credit card variant and type of transactions. These reward points get accumulated in your card’s account and can be redeemed for gift vouchers, cash rewards, etc. In this guide, we will see how to check HDFC credit card rewards points and how to redeem HDFC credit card points in step by step manner.

How to redeem HDFC Credit card points

Requirements to check and redeem HDFC credit card reward points –

  1. HDFC Netbanking UserID and Password
  2. A registered mobile number must be with you.
  3. The number should be active to receive the OTP via SMS.
  4. Email ID and Mobile number to receive coupon code of gift voucher.

First, we will see how to check the points balance, and then we will see the reward points redemption process in detail.

How to check HDFC credit card reward points?

  1. Open HDFC Netbanking Website on your computer –
  2. Log in using your UserID/Customer ID and Password.
  3. Then click on the Cards option from the main menu.
  4. Click on the ‘Enquire‘ option under the Credit cards section from the left side menu.
  5. Click on the ‘Redeem Reward Points‘ option from the on redeem reward points option in hdfc netbanking1
  6. Now, select your Credit card from the drop-down menu and click on the ‘Continue‘ button.
  7. You will be promoted to open the rewards redemption portal in the new window, and you will be logged out. Click on the Continue button.
  8. You can now see the accumulated points on the screen.
  9. Click on theĀ  My rewards option from the menu and then the ‘View Reward History‘ option to view the history of reward points for each reward points history

This is how you can check the reward point balance on your hdfc credit card. Let’s now check how to redeem them.

How to Redeem HDFC credit card reward points?

On the rewards redemption portal, follow these steps –

  1. On the new windows, click on the ‘Redeem reward points‘ redemption options
  2. From the sub-menu, you can select the method of redemption. You may choose from Gift Voucher or Cash Redemption.
  3. For now, we will select the ‘Cash Redemption‘ option, which is the most beneficial method to redeem HDFC credit card reward points.
  4. On the new page, you can see the accumulated reward points on your reward points to redeem
  5. You can enter how many points you want to redeem.
  6. The portal will calculate the amount in Rupees that you will get upon successful redemption. (The value of reward points in rupees varies according to the variant of hdfc credit card.)
  7. Click on the Proceed button on the screen to start the redemption process.
  8. On the next page, you will be asked to confirm your reward redemption choice and tick a mark in front of the acceptance statement. Then click on REDEEM NOW button.confirm to redeem to cash
  9. You will now receive an OTP on your registered mobile number. Enter the OTP on the screen to confirm the reward point redemption successfull

Done! Your reward redemption is now successful. You will receive the redemption benefit within 3 working days. If you have opted for a cash reward, the equivalent amount will get credited to your HDFC credit card. If you have redeemed points for Gift Voucher(Amazon gift voucher, Flipkart gift voucher, etc.), you will receive the coupon code on your mobile number and email ID.

HDFC credit card reward points value in Rupees –

The points value equivalent to rupees varies depending on the type of Card.

Sr. No. HDFC Credit Card Variant CashBack Value in Rs. Voucher Value in Rs.
1 Millenia Credit Card Rs. 1 Rs. 0.3
2 Regalia Credit Card Rs. 0.20 Rs. 0.35
3 MoneyBack+ Credit Card Rs. 0.25 Rs. 0.25
4 Diners Club Black Credit Card Rs. 0.30 Rs. 0.50
5 Infinia Metal Edition Rs. 0.30 Rs. 0.50
6 Diners Club Privilege Credit Card Rs. 0.20 Rs. 0.35

How to redeem HDFC credit card points into cash?

The Reward points can be redeemed as cash against your credit card bill. You need to select the ‘Cash Redemption‘ option from the portal to redeem points as cash.

How to redeem HDFC credit card points in the mobile app?

Currently, there is no app to redeem HDFC rewards redemption. You need to visit the HDFC internet banking website to redeem your HDFC credit card reward points.


In this guide, we have seen how to check hdfc reward points and how to redeem hdfc credit card reward points in easy steps. You can redeem them for cash or gift vouchers as per your requirements.

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