HDFC Bank Credit Cards

HDFC Credit Card Reward Points Calculator

Calculate how many reward points you earn per money spent, your points' rupee redemption value, and effective return rate.

Popular Card Presets:

Spend & Reward Parameters

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₹
₹
Calculation Mode
HDFC standard floor rule (per ₹150 block)
Total Reward Points Earned
264
Equivalent Rupee Value: ₹39.60 0.40% Return
Effective Return Rate
0.40%
Cashback equivalent on spend
Points per ₹1,000
26.4 Pts
Standard earning density
Eligible Spend Blocks
66 Blocks
₹9,900 rewarded (₹100 left)
Annualized Points (12x)
3,168 Pts
Worth ₹475.20 / year

Calculation Summary Breakdown

Gross Spend Amount ₹10,000
Points Earning Ratio 4 points / ₹150
Total Reward Points Earned 264 Points
Redemption Value per Point ₹0.15
Total Cash / Rupee Value ₹39.60

Redemption Value across HDFC Redemption Channels

See how much your earned points (264 points) are worth across different redemption categories.

Statement Cash Credit
@ ₹0.15 - ₹0.20 / point
₹39.60
Vouchers & Products
@ ₹0.25 - ₹0.35 / point
₹79.20
SmartBuy Flight / Hotel (Regalia)
@ ₹0.50 / point
₹132.00
SmartBuy Flights/Hotels (Infinia/Diners)
@ ₹1.00 / point (1:1 Ratio)
₹264.00

Understanding HDFC Credit Card Reward Points

How does HDFC Bank calculate reward points?

Most HDFC Bank credit cards (such as Regalia Gold, Infinia, Diners Club, and MoneyBack) award reward points in fixed increments for every ₹150 spent on eligible retail transactions. For instance, if you spend ₹10,000 on a card earning 4 points per ₹150 block, the bank calculates floor(10000 / 150) = 66 completed blocks × 4 points = 264 points.

What is the formula used in this calculator?

Total Points = ⌊Amount Spent / Spend Threshold⌋ × Points per Block
Rupee Value = Total Points × Value of 1 Point
Effective Return % = (Rupee Value / Amount Spent) × 100%

What is the default redemption value of 1 HDFC reward point?

For standard cards like MoneyBack or basic cash statement credit, 1 point is typically valued at ₹0.15 to ₹0.20. On premium cards like HDFC Regalia Gold, points are worth ₹0.50 on SmartBuy flights and hotel bookings. On super-premium cards like HDFC Infinia and Diners Club Black, 1 point can be redeemed at a full ₹1.00 on SmartBuy travel bookings.

Are there transactions that do not earn reward points?

As per HDFC Bank's terms, certain categories typically do not earn standard reward points or may be subject to monthly capping: fuel transactions, wallet loads, rent payments, government/tax payments, cash advances, and EMI conversions.

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