How to Redeem HDFC Reward Points Without NetBanking

If you don't use HDFC NetBanking, then you can redeem your HDFC credit card reward points by calling the customer care, filling out an Offline redemption form, and via their SmartBuy Portal. You can withdraw these points for flights, shopping, gift vouchers, or other benefits. HDFC Bank's MyRewards program allows the cardholder to redeem these points for e-vouchers, air miles, and cashback.

Here is how you can redeem your points without NetBanking:

You can redeem your reward points by calling HDFC Bank's 24x7 customer care number. They will guide you through the complete HDFC reward redemption process.

Steps:
  • Call HDFC Bank's customer care at 1860 266 6161 from your registered mobile number.
  • Follow the Interactive Voice Response (IVR) instructions to connect with a credit card support executive (e.g., select "Credit Card Services").
  • Ask the executive about reward redemption.
  • Provide your 16-digit credit card number and verify your identity with details like your registered mobile number, date of birth, or last four digits of your card.
  • You can ask him to check the current reward points balances and overall MyRewards Catalogue options. It includes e-vouchers (e.g., Amazon, Flipkart), air miles, products, or cashback.
  • Mention the redemption item and the number of points you wanna redeem. You require a minimum of 500 rewards points for redemption.
  • Verify your registered address or email for delivery of physical items or e-vouchers.
  • Keep the redemption request number safe for future tracking.

If you prefer an offline process, then you can use a physical "HDFC Credit Card Rewards Redemption Form" to redeem HDFC rewards. This method is very helpful for people who do not have a reliable internet connection. You can submit this form via mail or visit the branch in person.

Steps:
  • Collect the Reward Redemption from any HDFC branch or download it from the HDFC Bank website (www.hdfcbank.com).
  • Review the MyRewards Catalogue (available online or at a branch) to select the product you want based on the reward balance.
  • Fill in the form with:
    • Your 16-digit credit card number, name, and registered mobile number.
    • The item code, quantity, and number of points to redeem (minimum 500 points).
    • Enter your delivery address or email for e-vouchers.
  • Sign the form to authorize the redemption.
  • Submit the form by:
    • Mailing it to: Rewards Helpdesk, HDFC Bank Cards Division, P.O. Box No. 8654, Thiruvanmiyur P.O., Chennai 600 041.
    • Drop it at an HDFC Bank credit card dropbox at any branch.
  • Redeemed items or e-vouchers will be delivered to you within 10–15 days.

SmartBuy is HDFC's online rewards platform. It only requires your credit card details and OTP verification to redeem your HDFC reward points.

Steps:
  • Visit the SmartBuy portal at smartbuy.hdfcbank.com.
  • Select your credit card type (e.g., Regalia, Millennia, Diners Club) from the homepage.
  • Choose the "Rewards" or "Redeem Points" section.
  • Enter your 16-digit credit card number and registered mobile number.
  • Authenticate the redemption with the OTP from your registered mobile number.
  • Check available redemption options, such as flight tickets, hotel bookings, gift vouchers (e.g., Amazon, Flipkart), or air miles.
  • Choose the item points to redeem (minimum 500 points), and complete the transaction.
  • Provide your registered email or address for e-voucher or product delivery.

Always check your reward point balance via SMS, your credit card statement, or customer care. Use your points before the expiration date via online and offline methods. Even if you can not access HDFC credit card netbanking then too you still have various convenient methods to redeem your reward points. These methods include HDFC SmartBuy Portal, offline redemption Form, and by calling HDFC Customer Care.

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