Claim Reward Points

Make every purchase feel more rewarding with HDFC Bank! Whether you are into CashBack, vouchers, air miles, or products, you can redeem your Reward Points just the way you like. Simply log in to NetBanking and pick how you want to claim your points. It’s super quick, easy, and all done online!

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Pay Credit Card Bills
Insta Vouchers
Redeem Against Product Catalogue
Redeem as Air Miles
Book Flights & Hotels via SmartBuy

Pay Credit Card Bills

Use your Reward Points as CashBack to pay your HDFC Bank Credit Card bills directly through NetBanking.

Steps to Redeem as CashBack:

1. Log in to NetBanking.

2. Go to Cards > Enquire > Redeem Reward Points.

3. Select your Credit Card and click Continue.

4. Choose Redeem Reward Points > Cash Redemption to adjust your points against your bill amount.

Insta Vouchers

Turn your points into instant gratification with Insta Vouchers from top brands like Amazon, Raymonds, Croma, Reliance Digital, and more.

Steps to Redeem Insta Vouchers:

1. Log in to NetBanking.

2. Go to Cards > Enquire > Redeem Reward Points.

3. Select your Credit Card and click Continue.

4. Choose Redeem Reward Points > Insta Vouchers.

5. Select your preferred voucher and click Redeem.

Note: From February 1, 2023, you can redeem up to 70% of the voucher value with Reward Points and pay the balance using your Credit Card.

Redeem Against Product Catalogue

Choose from a wide range of products available on the HDFC Bank Product Catalogue or through SmartBuy.

Via NetBanking:

1. Log in to NetBanking.

2. Go to Cards > Enquire > Redeem Reward Points.

3. Select your Credit Card and click Continue.

4. Choose Redeem Reward Points > Product Catalogue.

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

Via SmartBuy:

1. Visit the SmartBuy website.

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

3. Choose your voucher or product and click Checkout Now.

4. Choose Redeem Points, enter your voucher code (received via email/SMS), and click Confirm.

Via Branch Visit

Redeem as Air Miles

Convert your Reward Points into Air Miles and fly smarter with your preferred airline partners.

Steps to Redeem:

1. Log in to NetBanking.

2. Go to Cards > Enquire > Redeem Reward Points.

3. Select your Credit Card and click Continue.

4. Choose Air Miles > Frequent Flyer Registration (register if new).

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

Book Flights & Hotels via SmartBuy

Use your Reward Points to book flights and hotels through HDFC Bank SmartBuy.

Steps to Redeem:

1. Visit the SmartBuy website.

2. Go to Flights/Stays and enter your journey details.

3. Select your flight or hotel and click Book.

4. Enter required details, adjust reward points for redemption, and verify with OTP.

Tip: Enable pop-ups in your Chrome browser settings for smooth access to the NetBanking portal.

Turn your card spend into something special and redeem your Reward Points your way.

Redeem Now

Frequently Asked Questions

Log into HDFC Bank NetBanking, head over to Cards, then click Enquire, and finally select Redeem Reward Points. You will be able to see how many points you have available before you decide to redeem or claim them.

The validity period depends on the type of card you have. To make sure you do not lose any points, it is a good idea to redeem them regularly through NetBanking or SmartBuy.

Reward Points are non-transferable and can only be redeemed or claimed by the primary cardholder associated with the Credit Card.

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.