How to redeem reward points on HDFC Bank credit card?
Asha Sharma
Asked 24 May 2026
19
I have accumulated around 10,000 reward points on my HDFC Bank credit card. What is the redemption value in rupees and the best way to use them?
1 Answer
Accepted
5
Paoli Limaye·7 Mar 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
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