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HDFC Bank Credit Card Reward Points

HDFC Bank Credit Card Reward Points- Best Cashback Credit Cards

In the dynamic world of finance, credit cards stand as tools of convenience and efficiency, empowering users with the ability to manage their expenses while reaping benefits along the way. HDFC Bank, a pioneer in the Indian banking sector, offers a diverse range of credit cards, each tailored to fit the unique lifestyle and spending habits of its customers. One of the most enticing features of HDFC Bank's credit card offerings is the Reward Points program, a system designed to reward customers for their loyalty and spending.

As we delve into the intricacies of HDFC Bank's Reward Points, it's crucial to understand that each credit card comes with its own set of rules and rewards. The reward system is meticulously crafted, taking into account the spending patterns and preferences of different customer segments. From travel enthusiasts to dining connoisseurs, there is a card for everyone, each with a reward system that varies from card to card.

The Reward Points program is not just a monolithic structure but a versatile and dynamic framework, allowing cardholders to accumulate points that can be redeemed for a wide array of rewards, including travel bookings, shopping vouchers, and direct statement credits, among others. This system encourages cardholders to explore the full potential of their credit cards, turning everyday transactions into opportunities for earning rewards.

As we embark on this exploration of HDFC Bank Credit Card Reward Points, we will uncover the various facets of this program, compare the different reward systems associated with each card and, and provide insights on how to maximize the benefits. Whether you are a new applicant pondering over which card to choose or an existing cardholder looking to optimize your reward points, this blog post aims to shed light on the rewarding journey that awaits with HDFC Bank's credit cards. Stay tuned as we navigate through the rewarding landscape of HDFC Bank's credit card rewards.


HDFC Swiggy Credit Card

  • Joining Fee / Renewal Membership Fee – ₹500 /- + Applicable Charges

  • Interest Rate: 3.6% per month (i.e., 43.2% per annum)

  • Rewards: Get flat 10% cashback on swiggy orders (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month. Enjoy 5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month.


The HDFC Swiggy Credit Card is a product that caters specifically to the needs of frequent users of the Swiggy platform. It offers a range of benefits that make it an attractive option for those who regularly order food, groceries, and more. Cardholders can enjoy a 10% cashback on Swiggy spends, which includes food ordering, Instamart, Dineout, and Genie services. Additionally, there is a 5% cashback on other online spends across various platforms, and a 1% cashback on other categories, with certain exclusions and capping in place. One of the standout features of this credit card is the complimentary Swiggy One Membership for three months upon card activation, which provides free delivery and exclusive discounts from select restaurants. The HDFC Swiggy Credit Card is often considered one of the best reward credit cards due to its high cashback rates on Swiggy spends and additional cashback on other online purchases. The potential savings, coupled with the added perks of Swiggy One Membership and Mastercard World benefits, make it a compelling choice for those looking to maximize their rewards on dining and online shopping.


TATA Neu Infinity HDFC Credit Card

  • Joining/Renewal Membership Fee – ₹1,499/- + Applicable Taxes 

  • Interest Rate: 3.49% per month i.e 41.88% annually

  • Rewards: 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands, 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends, and 1% back as NeuCoins on UPI spends. 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass.


With the TATA Neu Infinity HDFC Credit Card, treat yourself to a world of Tata benefits! Get 5 NeuCoins for every dollar spent at partner brands including Cleartrip, Swiggy, and Zomato, as well as Tata brands like BigBasket, AirAsia India, and Tata Cliq. Enjoy a welcome bonus of 499 NeuCoins in addition to 2% NeuCoins on all other purchases. Thus, if you're a devoted Tata fan or just like earning good incentives, think about using the TATA Neu Infinity HDFC Credit Card to open up a universe of advantages. However, it's important to consider individual spending habits and compare with other cards to determine the best option for one's needs.


HDFC Infinia Credit Card

  • Joining fee: Rs.12,500 

  • Interest Rate: 1.99% per month i.e. 23.88% annually.

  • Rewards: Complimentary nights & buffet at participating ITC hotels, Complimentary Club Marriott membership for the first year, and Unlimited airport lounge access across the globe for Primary and Add-on members. Along with this the cards also offer a Complimentary Club Marriott membership for the first year that offers up to 20% discounts for Dining and stay across Asia–Pacific region.


The HDFC Infinia Credit Card is a highly prestigious offering from HDFC Bank, tailored for high net-worth individuals who desire a luxurious lifestyle. The card is renowned for its reward points system, providing 5 Reward Points for every Rs. 150 spent, which can be redeemed for a variety of benefits including flight and hotel bookings, products, vouchers, and even cashback. The Infinia Credit Card stands out with its metallic variant, exclusive privileges such as unlimited complimentary golf games, 24*7 concierge services, and a lower foreign currency exchange rate of 2%. Additionally, cardholders enjoy comprehensive insurance coverage and zero liability protection against fraudulent transactions if reported within 24 hours. When compared to other rewards credit cards in India, the HDFC Infinia Credit Card's extensive benefits and rewards rate position it as a leading choice for those seeking value through their credit card expenses.

  • Joining Fees: INR 500

  • Interest Rate: 3.6% per month i.e. 43.2% annually.

  • Rewards: Customers can earn up to 50 Litres of Free fuel annually. Customers can also earn 5% of their spending as Fuel Points at IndianOil outlets, 5% of their spending as Fuel Points on Groceries and Bill Payments, and Complimentary IndianOil XTRAREWARDSTM Program (IXRP) membership.


The IndianOil HDFC Credit Card is a specialized financial tool designed for individuals who frequently incur fuel expenses. It offers a multitude of benefits, such as the opportunity to earn up to 50 litres of free fuel annually. Cardholders can accrue 'Fuel Points' at a rate of 5% on expenditures at IndianOil outlets, as well as on groceries and bill payments, with a cap of 250 Fuel Points per month for the first six months, and 150 Fuel Points thereafter. For other purchases, every ₹150 spent earns 1 Fuel Point. Additional advantages include a complimentary IndianOil XTRAREWARDS™ Program membership, revolving credit at nominal interest rates, and zero liability on lost cards upon immediate reporting. The card is equipped for contactless payments, allowing for quick and secure transactions at retail outlets for amounts up to ₹5000 without the need for a PIN, although transactions equal to or above ₹5000 will require PIN entry for added security. The Fuel Points earned can be redeemed for fuel purchases at IndianOil outlets, with each point equating to 0.96 in savings, enhancing the card's value proposition for frequent fuel purchasers.


6E Rewards XL - IndiGo HDFC Bank Credit Card

  • Joining/ Renewal Membership Fee: Rs.1, 500/- + Applicable Taxes 

  • Interest Rate: 3.6% per month (43.2% annually)

  • Rewards: Customers get  5% 6E Rewards on IndiGo, 3% 6E Rewards on Grocery, Dining & Entertainment, and 2% 6E Rewards on all other spends. Cardholders also get 8 complimentary domestic airport lounge accesses per year.


The 6E Rewards XL - IndiGo HDFC Bank Credit Card is a premium travel credit card offering a multitude of benefits, especially for those who frequently fly with IndiGo. Cardholders can earn 6E Rewards on every purchase, which are redeemable for IndiGo flights and services. The card provides an impressive 5 6E Rewards per Rs.100 spent on IndiGo flights, and 2 to 3 6E Rewards per Rs.100 on other categories like dining, entertainment, and groceries. Additionally, it offers 8 complimentary domestic airport lounge accesses per year, discounted convenience fees on IndiGo tickets, and exclusive dining privileges through the Good Food Trail Dining program at premium restaurants across top cities. The foreign currency markup fee is competitive at 2.5%, and cardholders benefit from up to 50 days of interest-free credit period and revolving credit at a nominal interest rate. The welcome benefits include a complimentary flight ticket worth Rs.3000 and a 6E Prime Add-On, which provides priority check-in, choice of seat, and a complimentary meal. With these features, the 6E Rewards XL card stands out as a top choice for travelers seeking value and convenience in their journeys.



In conclusion, HDFC Bank's Credit Card reward points system offers a versatile and user-friendly avenue to maximize the value of your everyday spending. With a plethora of redemption options available, ranging from products and gift vouchers to flight and hotel bookings, the rewards program is designed to cater to the diverse preferences and needs of its customers. The ease of redeeming points through NetBanking, MyCards, and SmartBuy, as well as the option to convert points into cashback or AirMiles, underscores HDFC Bank's commitment to providing convenience and flexibility to its cardholders. As we have explored, the strategic use of these reward points can significantly enhance your financial management, allowing you to enjoy a range of benefits that extend beyond mere savings. Therefore, HDFC Bank Credit Card users are encouraged to stay informed and make the most of their reward points, ensuring that every transaction not only brings satisfaction but also contributes to a rewarding financial journey.


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