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