Maximise your HDFC Credit Card Benefits: 7 Tips and Tricks

Created on 20 Oct 2023

Wraps up in 8 Min

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Updated on 27 Nov 2023

Whether you are a shopaholic, a travel enthusiast, or a serial money saver, one of India's top private sector banks, HDFC Bank has the most suitable card for you. It offers various credit cards for different customer segments. These credit cards have many advantages, such as reward points, cashback, special offers, and travel benefits.

But to enjoy your HDFC Credit Card to the fullest, you need to know the different kinds of reward schemes available, evaluate the different card choices offered, and find out how to increase your income and use your rewards efficiently.

7 tips and tricks to help you maximise your HDFC Credit Card Benefits

And, to help you with that, we have done the work for you and found 7 tips and tricks to help you maximise your HDFC Credit Card benefits. So, without further ado, let's get going.

1. Different types of rewards programs offered by HDFC

HDFC Bank offers a variety of rewards programs for its customers, including

Credit Card Rewards Programs

HDFC Bank Credit Card rewards programs are designed to reward customers for spending money on their cards. There are a variety of different rewards programs available, each with its own unique set of benefits. Some of the most popular ones are:

How to earn and redeem reward points?

To earn reward points on your HDFC Credit Card, simply use your card for everyday purchases. The number of reward points you earn will vary depending on the type of card you have and the merchant you are purchasing from.

To redeem your reward points, you can log in to your HDFC Bank account or call the customer service number. You can redeem your points for a variety of rewards, such as:

Here is how you can redeem your cashback rewards effectively:

Also, HDFC Bank frequently offers bonus reward points and promotional offers to its credit card customers. These offers can help you earn more reward points on your purchases and redeem them for more valuable rewards.

2. Comparing different HDFC Credit Card options and their benefits

HDFC Bank offers a wide range of credit cards to suit the needs of different customers. Each card comes with its own unique set of benefits, so it is important to compare the different options available before choosing a card. And for this, you can visit Select by Finology, where you can utilise its Card Comparison tool. This tool uses advanced tech and credible data to help you find the credit card that best fits your needs, saving you money and making your financial journey easier.

When choosing an HDFC Credit Card, it is important to consider your spending habits. If you spend a lot of money on groceries, for example, you may want to choose a card that offers bonus reward points or cashback on grocery purchases.

3. How to earn cashback on different types of purchases?

To earn cashback on different types of purchases with HDFC Credit cards, you need to choose the right card for your spending habits. HDFC offers a wide range of credit cards, each with its own unique rewards program.

And these credit cards can be used to pay for a variety of expenses, including:

Here is a brief overview of how to earn cashback on different types of purchases with different HDFC Credit Cards:

a. Groceries

b. Dining

Swiggy HDFC Bank Credit Card: 10% Cashback across the Swiggy app, 5% Cashback on online purchases, and 1% Cashback on other categories.

Apart from the above card, HDFC Bank Infinia Credit Card and HDFC Diners Club Black Credit Card can also help you earn a good amount of rewards.

Here are some tips for maximum rewards:

By following these tips, you can earn maximum cashback on your purchases with HDFC Credit Cards.

4. Exclusive discounts for HDFC cardholders with partner merchants

HDFC Bank has partnered with a variety of merchants to offer exclusive discounts to its credit card customers. These discounts can be used to save money on a variety of goods and services, such as travel, dining, shopping, and more.

Tips for finding the best deals and offers

5. Strategies for earning reward points faster

Here are a few strategies for earning reward points faster:

Tips for tracking and managing your reward points efficiently

6. Accessing airport lounges with your HDFC Credit Card

Many HDFC Credit Cards offer airport lounge access to their customers. This can be a great way to relax and unwind before your flight.

To access an airport lounge with your HDFC Credit Card, simply present your card at the lounge reception desk. You may also need to show your boarding pass.

Airport lounge credit cards offer a variety of benefits, including:

Redeeming reward points for flight and hotel bookings

Here are a few tips for redeeming your cashback rewards effectively:

7. Tips for timely bill payments to avoid interest charges


Credit cards can be a great way to earn rewards, make purchases online and in-store, and build your credit history. However, it is important to use them responsibly to avoid debt and damage to your credit score.

Here are some tips for using credit cards wisely:

By following these tips, you can reap the benefits of credit card ownership while avoiding debt and financial problems.