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All you need to know

  • Redeem CashPoints to Pay Credit Card Bills via NetBanking

  • Steps to Redeem as CashBack:

  • 1. Log in to NetBanking.

  • 2. Navigate to Cards > Enquire > Redeem Reward Points.

  • 3. Select your card and click Continue.

  • 4. Choose Redeem Reward Points > Cash Redemption.

  • Redeem CashPoints for Insta Vouchers via NetBanking from brands like Amazon, Raymonds, Croma, and Reliance Digital, among others.

  • Steps to Redeem Insta Vouchers:

  • 1. Log in to the Net Banking portal.

  • 2. Navigate to Cards > Enquire > Redeem Reward Points.

  • 3. Select your card and click Continue.

  • 4. Choose Redeem Reward Points > Insta Vouchers.

  • 5. Select your preferred voucher and click Redeem.

  • Effective February 1, 2023: Cardmembers can redeem up to 70% of the product/voucher value with reward points and pay the remaining amount via Credit Card.
  • 3. Redeem CashPoints Against Product Catalogue via NetBanking & SmartBuy

  • Redeem Against Product Catalogue:

  • Via Net Banking:

  • 1. Log in to the Net Banking portal.

  • 2. Navigate to Cards > Enquire > Redeem Reward Points.

  • 3. Select your card and click Continue.

  • 4. Choose Redeem Reward Points > Product Catalogue.

  • 5. Select a product, click Add to Cart, then Buy Now.

  • Via SmartBuy:

  • 1. Visit the SmartBuy website.

  • 2. Log in and go to Privileges > Select Your Card > Rewards.

  • 3. Choose a voucher, select quantity, and click Checkout Now.

  • 4. Choose Redeem Points, enter the voucher code received via email/SMS, and click Confirm.

  • 4. Redeem CashPoints as Air Miles via NetBanking

  • Convert to Airmiles:

  • 1. Log in to the Net Banking portal with your Customer ID and Password.

  • 2. Navigate to Cards > Enquire > Redeem Reward Points.

  • 3. Select your card and click Continue.

  • 4. Choose Air Miles > Frequent Flyer Registration (register if it's your first time).

  • 5. Enter required details, click Register, then proceed with Air Miles Redemption and Click Proceed.

  • 5. Redeem CashPoints to Book Flights & Hotels via SmartBuy

  • Book Flights & Hotels:

  • 1. Visit the SmartBuy website.

  • 2. Navigate to Flights/Stays and enter journey details.

  • 3. Choose flights/hotels and click Book.

  • 4. Enter required details, select payment mode, adjust reward points for redemption, enter card details, and verify with OTP.

  • Note: Enable pop-ups in your Chrome settings to ensure uninterrupted access to the HDFC NetBanking portal.

Frequently Asked Questions

Yes, you can convert your Reward Points to cash using your HDFC Credit Card. To do this, log in to your NetBanking portal and go to the 'Cards' section, then select 'Enquire' and redeem Reward Points. Choose the option for cash redemption, where you can adjust your points to offset your Credit Card bill. This process effectively converts your Reward Points into cash that is credited towards your outstanding balance. Ensure you follow the on-screen instructions carefully to complete the conversion and verify any applicable terms or conditions associated with cash redemptions.

To redeem your HDFC Credit Card Reward Points, start by logging into the NetBanking portal. Navigate to the Cards section and select 'Enquire' followed by 'Redeem Reward Points.' Choose your card and proceed to the redemption options. You can redeem points as CashBack to offset your Credit Card bill, or for Insta Vouchers from various brands. Additionally, you can use points against a product catalogue via NetBanking or SmartBuy. For travel rewards, convert points to airmiles or book flights and hotels through SmartBuy. Ensure pop-ups are enabled in your browser for a smooth redemption process.