How to redeem reward points in HDFC credit card easily

how to redeem reward points in HDFC credit card? this is the topic so this tutorial shows the testament you to make amends for hdfc credit card points redeem online ;

basically, HDFC bank one of the uncomparable world-class private sector bank; offering a lot of benefits on customer’s credit cards or debit cards ;

we should know, reward points never receive without making any transactions; mucho transactions make to get higher numbers of reward points on the credit card,

therefore keep making transactions in keeping with maintenance on credit cards to get enough reward points on cards

there has been some terms and conditions that we should be cognizant of, first thing, HDFC bank provides many credit cards contain different name and features as well ;

such as Regalia credit card most conspicuous card, which countenance enough reward points; in terms of usage basis and annual welcome benefits; based on transactions limit,

essentially to get four reward points on a minimum transaction of every 150 rupees; thus if spend is of amount two lakh, total reward points may receive up to 5333 reward points;

this is how HDFC Millennia credit card also offers reward points with the value of 20 paise on each reward point’s number;

now let’s move on to our main concern to know about hdfc credit card reward points redeem

How to Redeem HDFC credit card reward points

No matter, what eccentric of HDFC bank’s credit card you carry; but the redemption process very likely is the same for all HDFC credit cards

( For those customers who do not have an account in HDFC bank, can know how to credit card login on net-banking )

so now, follow these steps to get HDFC credit card points redeem options ;

how to redeem hdfc credit card points
how to redeem hdfc credit card points

Redeem reward points in HDFC credit card

  • Visit www.hdfcbank.com and do login using customer id and Password
  • After Login Go to the ‘Cards‘ Tab
  • Click on Credit card
  • Select the Option’ ENQUIRE
  • Click on ‘Cashback inquiry and Redemption
  • Select Hdfc credit card
  • Click on ‘Continue’
  • Be redirected to the online redemption portal (read below-given details)
  • Click on redeem reward points
  • Select the HDFC credit card
  • choose the redemption catalog (cash, miles, voucher, etc)
  • Choose the reward points number, you wish to redeem
how to redeem reward points in hdfc credit card
how to redeem reward points in hdfc credit card

Note– that portal asks you to choose the range of your points, which means how many reward points you want to be redeemed, And the next option is to choose the catalog category you see over there, that is for, where you want to use that points, whether you want to convert into cash or voucher or miles; choose the appropriate option and click on continue,

How to redeem hdfc credit card points to cash

once you apply the redemption process on cards using the same instructions given above; in this case; it is also possible to redeem hdfc reward points to cash,

That HDFC online reward points redemption portal contains various options which you may select according to your need, if you select redeem point into cash, in this very case, those points will be credited as a credit balance/cashback on your HDFC credit cards ;

Note- HDFC bank customer can visit the nearest bank branch and can submit hdfc credit card rewards redemption form to redeem HDFC Credit card points to cash

Redemption form is available in the bank branch

but one important information for redemption has some charges applicable is ninety-nine plus GST, so in keeping with charges, never do hurry, try to redeem when enough points available on cards ;

Note -eligibility to ransom reward points should be a minimum of twenty-five hundreds; otherwise, the redemption process may decline

Most of us travel via flights and book the tickets for the flight; in this case, earned reward points on the credit card is bailable to convert into miles to use flight booking and hotel booking as well;

how to apply for hdfc bank debit card online

How we can get enough reward points on HDFC credit card

to get the maximum number of HDFC credit card reward points, depending on how much more transactions are Being made, in keeping with the general transaction, higher making online /pos transactions from HDFC credit card is getting a higher number of reward points

However HDFC Bank Smart pay application and the other Payzaap stand for HDFC bank credit cardholders to receive higher offers and benefits

here you may think of What exactly Payzaap and Smart-buy are?; no worry,I going to tell you something about Payzap and smart buy ;

What is Payzaap

Payzaap is an application of HDFC bank; where customer can use the HDFC credit card payment online and on other online merchant outlets to get extra benefits

This permits customers to re-direct another merchant sites or application and when they purchase or bill-pay online, they get rewarded from Payzaap

Finally, we can say Payzaap is just a Payment gateway application which is best for online shopping through various merchants site and for online utility bill payment

What is Smart buy

Smartbuy of HDFC bank provides you to make transactions in a smarter way; this option available on the official website portal, from where any merchant sites to be directed ;

Smart-buy allows the customers to make credit card payments, bill payments; as well as to visit many e-commerce websites such as Flipkart, Amazon, and other similar sites and much more;

It does not only let you earn extra reward points but sometimes cashback also, in case of cashback; you need to lies up with the merchant whether cashback offers are available or not,

When HDFC credit card reward points adjusted/lapsed,

Some information that will make you aware and you will be able to utilize your reward points in a proper way ;

most of the credit card’s reward points validity is up to two years from the transaction date; for example; if the transaction date is on 5th JANUARY 2021, in this case, the expiry date of reward points Will be on 5th May 2023

If your HDFC credit card is blocked and the majority number of reward points available on your credit card, those reward points will lapse as that credit is blocked status

Note- 2nd reason to hdfc credit card reward points lapsed, when you cancel a merchant transaction ,

3rd reason – when you convert your total expenses into smart emi ,for those particular transactions ,all Reward points will be adjusted ,for instance – 1 transaction of rupees 50 k has been converted into emi ,so the number of reward points on the transaction of 50k expense will adjust ,

What is mile

miles just like you get the cash after you redeem rewards point on a credit card; this is how a mile is just like a point ;

you can use 50 % of your miles for ticket booking and the rest 50% need to provide from the credit card total available balance

which save your money; to convert into miles the very same process is, given above, else can contact in HDFC bank customer care

FREQUENTLY ASKED QUESTION

How to solve if HDFC credit card reward points redemption process declined?

Often HDFC bank Netbanking session gets expired? Yes it has happened but this is not an issue as the bank website portal redirected you to the redemption portal

first thing while you try to log in on net-banking and click on redeem reward points /cash points you are redirected to the reward points portal website; and when you enter your details, you get yourself logged out from that portal

Go through the following steps –

Use only Google Chrome browser /Firefox browser if possible
Go to the browser setting
clear browsing data (clear history, cookies, site data, and caches,)

Now re-try IF that issue still persists then make sure internet connection speed is Good, and the pop-up is not blocked which you see ;

Then immediately block the pop-up message and then re-try,

Why do I recommend using Google chrome browser /Firefox Mozilla browser?

Because these browsers are easy to use and best compatible to support reward portal sites, HDFC bank executive often suggest the users use these browsers while they make an effort to redeem HDFC credit card reward points;

How can I redeem my HDFC credit card reward points?

To redeem HDFC Credit card reward points, we have 3 options, HDFC bank customer can choose any one of the following options such as –
(1) Redeem reward points with the help of customer care services
(2) Redeem all HDFC credit card reward points through Netbanking
(3) Submit a reward redemption form to the Bank branch

(1) Redeem reward points with the help of customer care services
An HDFC bank customer can get in touch with the HDFC bank customer care executive with the purpose of redeeming reward points on call, but they do only accept this concern if a customer wants his/her credit card reward points to be converted into Miles or Jet; once the redemption process is completed; it will take maximum 24 to 48 hours to be reflecting; however, Customer can use those reward points to convert into Voucher or coupon with the help of online given catalog in HDFC smart buy,

(2) Redeem all HDFC credit card reward points through Netbanking
Redeeming HDFC credit card reward points through the Netbanking process has been discussed above; so HDFC credit card holder can go through step by step to redeem reward points online,

Note– Hdfc bank does not levy any additional charges; if the reward points redemption is done via Net-banking; but also make sure to check the reward point numbers initially, because eligibility to redeem a number of rewards points vary from card to card,

(3) Submit a reward redemption form to the Bank branch
Redemption form is also available on HDFC Bank official website; so the cardholder can download that form from the HDFC Bank form center link,

Can we redeem HDFC credit card points to cash ?

Yes, we can redeem HDFC credit card points to cash, for this, Customer need to visit the bank branch along with the reward points redemption form, and can submit that form to get cash in consideration of Reward points,

what is the value of HDFC reward points?

Reward points value depends on the card to card a customer often use, for example-
Millennia credit card one reward points value is – 20 paise

HDFC regalia credit card reward points value is – 50 paise

One reward points value of Regalia first credit card is -25 paise

while moneyback credit card contains the value – 20 paise per reward points,

Note(1)- HDFC bank customers also get reward points on their HDFC debit cards but it also varies from debit card to debit cards,

basically, HDFC Debit card reward points known as Cash points, so one cashpoint contains the value of 100 paise and the minimum redemption is 500 points,

Note-2 – HDFC credit card reward points and HDFC debit card reward points have the validity of 2 years,

what is the best way to redeem credit card points ?

The best way to redeem credit card points depend on the customers choice,

If a customer wants to redeem HDFC credit card points for cash, he/she can visit the bank branch with that purpose,

if a customer wants as a cashback to her/his reward points on the credit card, The best way to choose the Netbanking redemption process,

While if a customer wants his/her reward points to converted into miles, he/she can call in HDFC Bank customer care services

This is how a Credit cardholder can choose the best way to redeem his/her credit card reward points

Can we Pay HDFC credit card bill through Reward points ?

Yes, of course, we can pay HDFC credit card bill through Reward points, but you should remember one thing, if reward points have been redeemed, then those reward points will be adjusted by the next billing due date, so please do not consider it as a payment by the current month,
For instance
Credit card statement generate date = 5th of January
Credit card billing due date = 25th of January
outstanding balance to pay = 30000 rupees till 25th of January
Reward points redemption date =10th January
Redeemed reward points value = 2500 rupees

So I will pay the overdue balance of my credit card 30000 rupees, till 25th of January, not that 30000-2500= 27500 rupees payment,
because I redeemed my reward points after the credit card statement was generated,

what does it mean 10X reward points offered by HDFC Bank?

HDFC Bank every year provides 10X reward points offers when the HDFC festive season arrives, it means to say that customers can get 10 multiple of expected reward points, but not on every purchase using HDFC credit card or debit card, I would recommend you to check the terms and conditions of those offers,

How to redeem reward points in HDFC debit card,

This is how you can redeem HDFC debit card reward points, first of all, log in to HDFC Netbanking > Go to the tab of ‘Cards’ >Select Debit card> Go to the Option ‘Enquire’> cashback & reward redemption> Continue

What we can do if we receive the damaged Product?

You can cancel that product, but once you cancel that Products all reward points will be lapsed, from your HDFC credit card,

HDFC credit card reward points redeem without net banking

Ans- HDFC Bank credit cardholders and debit cardholders can redeem their reward points without using Net banking or mobile banking, for this, HDFC Bank credit cardholders can submit hdfc credit card redemption form, this form is available in the bank branch as well,
While HDFC Bank debit cardholders can get in touch with HDFC Bank customer care services and request them to redeem the reward points on call,

hope this tutorial may help you all to know how to redeem reward points in HDFC credit card in case of any doubt for the same topic; please ask the question in the comment section, happy to help you all,

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