How to Redeem HDFC Credit Card Points

Using your HDFC credit card earns you points every month that you can redeem for items or e-vouchers. When you’re ready to redeem your points, visit the HDFC website to complete the process online or through the mail. You need a NetBanking account to redeem your HDFC rewards points online, but you can redeem them through the mail if you don’t have an account.

Method 1

Method 1 of 2:

Selecting Rewards Online

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1
Register for a NetBanking account if you don't have one. Go to the NetBanking page and click "Register Online." The website will generate a one-time IPIN (password) for your account. Log in to NetBanking using this IPIN, then enter your account information and the IPIN you want to use. This will create your new account.^{[1]XResearch source}
- Choose a unique IPIN so your account is harder to hack.
2
Log into your HDFC NetBanking account with your ID and IPIN. On the HDFC homepage, select “NetBanking” from the drop down menu located next to the “log in” button. Then, click “log in” to go to the NetBanking log in page. Enter your customer or user ID and click “continue.” Finally, enter your IPIN as your password and click “continue” to open your account.
- You can access NetBanking here: https://netbanking.hdfcbank.com/netbanking/?_ga=2.239101259.990800418.1567012597-1435943200.1567012597
- Your IPIN is the password your created when you set up your NetBanking account.
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3
Click on the “Credit Cards” tab at the top of the website. You’ll see a taskbar along the top of the website with your account options. Select the tab that says “Credit Cards” to access your card options.
- If you’ve never registered your card, you may not see any credit card options until after you enter your card information.
4
Register your credit card if you haven’t already done so. Click on “Register New Card” on the left taskbar. Then, enter your card information and your 4-digit credit card PIN. Click “continue” to take you back to the credit card page.
- Skip this step if you’ve already added this card to your account.
5
Select the credit card that has points you want to redeem. After you click on the “Credit Cards” tab, scroll down to select the card that has points. If you only have 1 card, this may be the only card listed on the page. Simply click on the card number to bring up your options.
- You can register all of your HDFC cards under the same NetBanking account to make things easier.
6
Click on “Online Redemption” and select “Redeem Reward Points.” You’ll see a menu to the left of your screen. Place your cursor over the "Online Redemption” option, then click to bring up new options. Select “Redeem Reward Points” from the new menu. This will show you your available points.
- Take note of how many points you have so you can narrow your selection to items that you can afford.
7
Choose your points range and the item category you want to browse. Scroll down to the catalogue menu and find the box that says “Points Range.” Fill in the amount of points you have to redeem. Then, locate the “Category” box and choose the type of item you want to buy with your points.
- For instance, you might enter 2001-5000 in the points range box and “appliances” in the “Category” box.
8
Add the items you want to your shopping cart. Scroll through the catalogue to look at items available for redemption. When you see an item you like, click on the “Add to Cart” button. This will put the item in your digital cart for redemption.
- You will have an opportunity to edit your card before you complete your transaction. Clicking on the item doesn’t redeem your points.
9
Click on “View Shopping Cart” to review and modify your selection. This will bring up a list of the items you've added to your cart. Make sure the products in your cart are the ones you want, and adjust the quantity if necessary. Additionally, verify your shipping address.
- You can remove items you no longer want by clicking “remove.” If you want more than 1 of an item, adjust the quantity.
- Keep in mind that HDFC will send your items to the address they have on file. If you want to mail your items to a different address, you’ll need to update your address with the bank before you redeem your points.
10
Agree to the “Terms and Conditions” so you can check out. You can’t complete your transaction without reviewing the terms and conditions. Read the statement provided by the bank, then click the box indicating that you agree.
- You can’t redeem your points without agreeing to the terms and conditions, either online or through the mail. This authorizes HDFC to debit your points and possibly charge you for shipping and handling.
11
Hit the “Redeem” button to finalize your purchase. When you’re ready to complete your transaction, click on the “Redeem” button at the bottom of the screen. This will finalize your order. Write down or save the Redemption Order Number you receive.
- Expect your items to arrive in about 10 to 15 days after you complete the points redemption.

Method 2

Method 2 of 2:

Claiming Rewards by Mail

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1
Check your most recent billing statement for your available points. Your rewards points are listed each month on your billing statement, so check your most recent bill to find out how many points you have. Don’t try to claim more points that you have available because your redemption form will be rejected.
- Look at your paper statements that come in the mail. If you’re paperless, access your statements online.
2
Choose the items you want from the rewards catalogue. Open the digital rewards catalogue available through the HDFC website. Then, scroll through the catalogue to look for items you want that are in your points range. Write down the item code for the item you want so you can enter it on your form.
- The amount of points you need depends on the type of HDFC card you have, since the cards accumulate points differently. Each page of the catalogue has a key that tells you which point level you need.
3
Fill out a “Redemption Form” using block letters. Enter the product code, product name, and the quantity you want. If you’re getting fastrack options, enter how much money will be debited from your credit card account. Then, enter the credit cardholder’s name and the card number. Finally, sign and date the form to agree to the terms and conditions.
- If the product code is written incorrectly, HDFC will choose the item closest to the product name you listed in the "Product Name" box on the form.
4
Mail your form to the redemption address provided on the form. Fold up the form and place it in an envelope. Seal the envelope and address it to the HDFC rewards helpdesk. Finally, apply correct postage and mail the form.
- As of August 2019, the address to claim a reward is as follows:
  - Rewards Helpdesk
  - HDFC Bank Cards Division
  - P.O. Box No. 8654
  - Thiruvanmiyur, P.O. Chennai-600 041
5
Drop your form off at a local branch if you live nearby. If you know you live near a HDFC branch, stop by and put your redemption form into the Credit Card dropbox. Make sure the envelope has your name and address on it so they know who it's from.
- You can find a branch near you by visiting https://www.hdfc.com/branch-locator.
After your form arrives in the mail, HDFC will process your request and mail your items. This typically takes 1.5 to 2 weeks. Keep an eye out for your items to arrive to the billing address on file with HDFC.

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Tips

Your credit card points may expire if you don’t redeem them. Typically, they’ll expire in 1-3 years after you accumulate them, so check the date on your billing statement.^{[2]XResearch source}
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You can redeem HDFC points for e-vouchers, but you typically can't get cash back or pay bills.
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