Archive · 12 Nov 2025
HDFC Credit Card Reward Points: A Guide to Travel Redemptions
Imagine your HDFC credit card gives you special points every time you use it.
You can use these points to go on trips!
You can book flights or hotels directly on a website called SmartBuy.
Some travel companies like EaseMyTrip and MakeMyTrip work with them.
You can use your points to pay for most of your trip, but you'll have to pay a small part with your card.
Different HDFC cards give you different values for your points.
You can also move your points to airline or hotel loyalty programs, like Air India or Accor hotels.
This lets you use your points for even more travel options with those partners.
It's a great way to get more out of your credit card spending for your vacations.
HDFC Bank credit cardholders can redeem reward points for travel bookings via the SmartBuy platform.
Travel bookings on SmartBuy include flights with partners like EaseMyTrip and Yatra, and hotels with partners like Cleartrip and MakeMyTrip.
Up to 70% of the travel booking value can be paid using reward points, with the balance settled via credit card.
Reward points can be transferred to various airline and hotel loyalty programs, such as Air India Maharaja Club and Accor Live Limitless, at specified ratios.
Redemption of reward points via SmartBuy and partner transfers is capped monthly based on the specific HDFC credit card.
- Who
- HDFC Bank credit cardholders
- What
- Redeeming reward points for travel bookings and transfers to loyalty partners.
- When
- Ongoing
- Where
- HDFC Bank SmartBuy platform and partner loyalty programs.
- Why
- To utilize credit card reward points for flights and hotel bookings, thereby sponsoring travel.
- SmartBuy Flight Booking Partners
- EaseMyTrip, Yatra, Cleartrip, Goibibo
- SmartBuy Hotel Booking Partners
- Cleartrip, MakeMyTrip, Yatra
- Max Reward Points Usage (SmartBuy)
- Up to 70% of transaction value
- Redemption Value (Infinia/Diners Black)
- Rs. 1 per point on SmartBuy
- Redemption Value (Regalia Gold)
- Rs. 0.50 per point on SmartBuy
- Total Transfer Partners
- 21 (15 Airlines, 6 Hotels)
- Accor Live Limitless Transfer Ratio
- 2:1 (HDFC points to ALL points)
- Air India Maharaja Club Transfer Ratio
- 2:1 (HDFC points to Maharaja Club points for Infinia/Diners Black)