HDFC Bank is one of the most popular credit card issuers in India. It offers a wide range of credit cards for specific categories like travel, shopping, dining, and lifestyle. HDFC has one of the most robust rewards programs, known as MyRewards, which allows the cardholder to earn rewards on everyday purchases and redeem them for exciting benefits like gift vouchers, cashback, air miles, and products.
HDFC Bank’s MyRewards program allows cardholders to earn points on eligible transactions. Later, they can redeem these points for a variety of benefits. The number of points earned depends on the card type, spending category, and promotional offers. You can convert these points into cashback, used for travel bookings, or exchanged for products and vouchers from HDFC's rewards catalogue. To earn the highest rewards and make the most out of HDFC rewards program choose the best credit card, understand eligible transactions, and leverage their partner program.
| HDFC Credit Card Type | Standard Reward Points | Enhanced Reward Points | Extra Perks |
|---|---|---|---|
| HDFC Moneyback+ Credit Card | 2 CashPoints for every Rs.150 on general purchases | 10X CashPoints (3.3% value return) for every Rs.150 spent on Amazon, Flipkart, Swiggy, Reliance Smart SuperStore, BigBasket | Rs.500 voucher for Rs.50,000+ quarterly spend (max Rs.2,000/year); 5X points on EMI at select merchants; 50,000 points redemption limit/month |
| HDFC Regalia Gold Credit Card | 4 points per Rs.150 on regular transactions | 5X points on purchases at Marks & Spencer, Myntra, Nykaa, and Reliance Digital | Rs.1,500 vouchers for Rs.1.5 lakh quarterly spend; Rs.5,000 flight vouchers for Rs.5 lakh & Rs.7.5 lakh annual spend; Swiggy One and MMT Black Gold membership; 8 airport lounge visits/year |
| Tata Neu Infinity HDFC Credit Card | 1.5% NeuCoins on non-Tata brand and merchant EMI spends; 1.5% on UPI (up to 500 NeuCoins/month) | 5% NeuCoins on non-EMI purchases at Tata Neu and partner brands; extra 5% on select Tata Neu categories (from 15 Jan 2025) | 1,499 NeuCoins for first transaction within 30 days; 2,000 NeuCoins cap/month on grocery, utility, telecom; no NeuCoins on rent, government, or education payments |
| 6E Rewards XL Indigo HDFC Credit Card | 2 6E Rewards per Rs.100 on all other expenditures | 5 6E Rewards per Rs.100 on IndiGo flight bookings; 3 6E Rewards per Rs.100 on Grocery, Dining, Entertainment (2,000 RP cap/month on grocery) | 8 domestic lounge visits/year (2/quarter); 6E Rewards valid for 2 years for IndiGo flight bookings and services |
Choosing the best credit card that matches your spending habits is the most important decision for your financial health. It will help you earn maximum reward points. HDFC offers a diverse range of credir cards to cater to different spending habits. Here are the Best HDFC credit cards and their reward point benefits:
Credit cards do not offer reward points on every transaction. So, find out the transactions that are eligible for HDFC credit card reward points. Here are the eligible transactions:
Tip: You can check eligible transactions from your card’s terms and conditions on the HDFC website.
HDFC's SmartBuy portal is a powerful way to earn accelerated rewards. You can earn upto 10x points or 33.33% value back by shopping via SmartBuy. Its key offers are:
HDFC cards offer attractive bonuses to kickstart your points journey as a welcome bonus:
Tip: Make your first transaction within 90 days to unlock welcome points, and track milestone spends via net banking.
Plan your shopping to use your credit card to shop in the high-reward category. By doing so, you earn more reward points. Here is how you can do it:
Tip: carefully Plan major purchases, like electronics or travel, through SmartBuy or PayZapp. Also, remember not to go above the spending limit to avoid overspending and maintain a good credit rating.
HDFC credit card reward points are valid for two years (three years for Diners Club Black). Follow these tips to effectively manage them:
Credit card holders require a minimum of 500 points for redemption. These HDFC credit card reward points can be redeemed via net banking or offline by mailing a redemption form.
Note: HDFC charges a ₹99 handling fee, and the redeemed items will be shipped to your registered address (update via customer care if needed). You can not combine reward points and vouchers from multiple credit cards.
Avoid the following common mistakes to make the most out of your credit card reward points:
HDFC Bank - Personal Banking & Netbanking Services are protected with the following advanced security measures:
Earning reward points on your HDFC credit card is a smart way to make your spending more rewarding. By selecting the right credit card, you can maximize reward points. Use features like SmartBuy and PayZapp to save more money and make the most out of your credit card. Use your credit card to shop for high-reward categories, and also carefully read the terms and conditions along with expiry dates.