Using your HDFC credit card for everyday purchases earns you reward points — but many users still wonder:
- How do I redeem my credit card points?
- Can I convert credit card points to cash?
- What is the best way to redeem credit card points?
This guide explains everything in simple terms, including how much 1,000 points are worth on a credit card, how to redeem HDFC credit card points online, and the process for HDFC Regalia credit card reward points redemption.
What Are Credit Card Reward Points?
Reward points are benefits you earn every time you use your HDFC credit card for shopping, travel, or bill payments.
You can redeem them for:
- Cashback or statement credit
- Gift vouchers
- Travel bookings
- Products from the HDFC credit card reward points redemption catalog
Regularly checking your points balance ensures you don’t miss out on valuable rewards before they expire.
How Much Is 1,000 Points Worth on a Credit Card?
The value of 1,000 points depends on how you redeem them. Here’s an easy comparison:
| Redemption Type | Value per Point | 1,000 Points = | Remarks |
| Cash Credit (Convert to Cash) | ₹0.20 | ₹200 | Quick statement adjustment |
| Travel via SmartBuy | ₹0.50–₹0.65 | ₹500–₹650 | Best value for Regalia users |
| Product Catalogue | ₹0.35–₹0.50 | ₹350–₹500 | Medium value |
| Airmiles Conversion | Varies | Depends on the airline | Ideal for frequent travelers |
In short, 1,000 points can be worth ₹200 to ₹650, depending on your redemption choice.
Can I Convert Credit Card Points to Cash?
Yes! You can convert credit card points to cash directly into your credit card account.
For most cards, 1 point = ₹0.20, and the redeemed amount appears as a statement credit.
Example:
If you redeem 5,000 points → ₹1,000 will be credited to your card within 3–5 business days.
This makes it a convenient option when you want quick bill adjustments or savings on your next payment.
How to Redeem HDFC Credit Card Points Online
Here’s a simple guide for HDFC credit card reward points redemption online:
| Step | Action |
| 1️ | Log in to HDFC NetBanking. |
| 2️ | Go to Cards → Enquire → Redeem Reward Points. |
| 3️ | Select your card and the number of points to redeem. |
| 4️ | Choose “Cash,” “Voucher,” or “Product Catalog.” |
| 5️ | Confirm your redemption and get an SMS/email confirmation. |
Tip: Always check your available reward points and expiry dates before redemption.
What Is the Best Way to Redeem Credit Card Points?
The best way to redeem credit card points depends on your lifestyle and spending patterns.
| Goal | Best Option | Why It’s Best |
| Quick cash | Cash credit | Instant credit against the statement |
| Travel or hotels | SmartBuy portal | Up to ₹0.65 per point value |
| Shopping | Product Catalogue | Redeem for electronics or vouchers |
| Premium experiences | HDFC Regalia credit card reward points redemption | Higher value rewards and travel perks |
For frequent travelers, SmartBuy or Regalia catalog redemptions provide the best point-to-value ratio.
HDFC Credit Card Redeem Points to Cash – How Many Days?
Processing time depends on the redemption method:
| Redemption Type | Processing Time |
| Cash Credit | 3–5 working days |
| Product Catalogue | 7–10 working days |
| Travel Booking | Instant |
| Air Miles Transfer | Up to 15 days |
HDFC Credit Card Reward Points Redemption Catalogue
HDFC’s online catalogue lets you choose from hundreds of items. Here are a few examples:
| Category | Example Reward | Approx. Points Needed |
| Travel | Flight Ticket worth ₹3,000 | 6,000 points |
| Electronics | Bluetooth Speaker | 4,500 points |
| Gift Vouchers | Amazon ₹500 Voucher | 1,000–1,200 points |
You can browse the HDFC credit card reward points redemption catalogue on the official HDFC Rewards portal.
How to Redeem SBI Debit Card Reward Points (For Comparison)
If you also hold an SBI debit card, the steps are similar:
- Visit the SBI Rewardz portal.
- Log in and check available points.
- Redeem points for vouchers or travel bookings.
However, HDFC’s SmartBuy platform and Regalia rewards usually offer better value per point.
How to Redeem Credit Card Points Online – Key Points to Remember
- Always log in via official bank portals only.
- Check your reward point expiry date before redemption.
- Compare cash vs. voucher value before choosing.
- Allow 3–10 business days for processing.
- Keep screenshots or emails as confirmation.
FAQs on Credit Card Reward Points Redemption
1️ How do I redeem my credit card points?
Log in to HDFC NetBanking → Credit Cards → Redeem Points → Choose cash or product → Confirm your redemption.
2️ How much is 1,000 points worth on a credit card?
Usually between ₹200 and ₹650, depending on redemption type — cash, travel, or vouchers.
3️ Can we redeem HDFC credit card points for cash?
Yes. You can redeem HDFC credit card points for cash as a statement credit. It takes about 3–5 working days to reflect.
4️ What is the best way to redeem credit card points?
Travel bookings and Regalia redemptions through the SmartBuy portal offer the best point value.
5️ How to redeem HDFC credit card points?
Use NetBanking or the HDFC app to access the HDFC credit card reward points redemption online section and complete your request.
Final Thoughts
Understanding your reward program helps you get the most value from every purchase.
To summarize:
- You can easily redeem HDFC credit card points online.
- 1,000 points = ₹200–₹650, depending on the option you choose.
- Cash redemption is fastest, while travel and Regalia redemptions give the best value.
Keep an eye on your points balance, redeem them before expiry, and enjoy every reward you’ve earned!
Key Takeaways
- Redeem credit card points online for cash, travel, or vouchers.
- 1,000 HDFC credit card points can be worth up to ₹650.
- Cash redemption takes around 3–5 business days.
- The HDFC Regalia credit card reward points redemption gives maximum benefits.
