How to shop smartly to earn maximum reward points on your card

Credit Cards are more than just plastic money. They have eased life considerably. You can pay for anything from groceries to gadgets with your Credit Card, and save substantially through Reward Points. However, evidence suggests that one-third of Credit Card users do not take advantage of Reward Points, and they go unused.

Here are a few tips that can help you make the most of the Reward Points on your Credit Card.

Choose a Credit Card that suits your lifestyle

The first step is to choose a Credit Card that matches your lifestyle. For instance, if you are looking for an ideal blend of a travel and lifestyle card, the HDFC Bank Regalia Credit Card could be just the right choice for you. With this Credit Card you gain complimentary airport lounge access at 1000+ airports (12 domestic and 6 international free visits in a year). You are also eligible for benefits such as the lowest mark up of 2% on international transactions and 24 x 7 travel concierge. The Reward Points structure on this Credit Card is also very attractive as you can earn 4 Reward Points per Rs 150 and redeem rewards to book flight tickets and hotels. This Credit Card is also a perfect lifestyle aide as you are eligible for a complimentary Zomato Gold membership on spending Rs 75,000 within 90 days of card set up and can also get up to 15% discount on dining at partner restaurants across India.

On the other hand, if your job requires you to travel often and you require a card that helps you reap the maximum travel benefits, the HDFC Bank Diners ClubMiles Credit Card can be the perfect choice for you. With this Credit Card you earn 4 Reward Points for every Rs 150 that you spend. You can redeem these Reward Points as you plan your travel with 150 plus airlines and hotels across the globe. You can also enjoy your airport stopovers with up to 6 complimentary access to over 700 leading lounges worldwide. With the HDFC Bank Diners ClubMiles Credit Card you are also eligible for discounts of 15% and other rewards on fine dining experiences with more than 1400 offers in 70 different countries.

Check the features available

While selecting a Credit Card, it is advisable to study the primary features and benefits closely. For example, many HDFC Bank Credit Cards offer useful features such as automated bill payment, Easy EMI, zero liability on stolen Credit Cards, and fuel surcharge waivers. These can be of immense benefit while making your daily purchases.

Read more on the unique Credit Card features here.

Make the most of CashBack

If you are an online shopping aficionado, a Credit Card that offers exciting new deals and benefits can work wonders for your budget. The Snapdeal HDFC Bank Credit Card does just that. By collaborating with Snapdeal, HDFC Bank allows you to make the most of your Reward Points, CashBack, and other exciting offers.

You get 20 Reward Points for every Rs 150 spent on the Snapdeal website and an instant 5% discount on all Snapdeal purchases. You can also redeem your Reward Points for Snapdeal vouchers. Don’t forget to visit the HDFC Bank website to look for daily deals and offers on other e-commerce websites in segments such as travel, groceries, and personal care.

The best MoneyBack offer for you

If you are looking for the Credit Card that gives you the maximum MoneyBack benefits, you can consider the HDFC Bank MoneyBack Credit Card. This card allows ample MoneyBack opportunities and also has a range of benefits across travel and lifestyle. You can earn 2 Reward Points for every Rs 150 you spend on this card and get 2x Reward Points on all online transactions.

You can choose to redeem these Reward Points for CashBack credit where 100 Reward points equals to Rs 0.20 or airmiles across major airlines programmes where 1 point equals Rs 0.30. You are also eligible for a gift voucher of Rs 500 for every Rs 50,000 you spend in a quarter and can even get up to 15% discount when you dine across partner restaurants of HDFC Bank across the country.

If you are looking for an option with maximum benefits in terms of Credit Card Reward Points on benefits on shopping, consider the HDFC Bank Freedom Credit Card. When you apply for this Credit Card, you get a welcome benefit of 500 Reward Points. However, the welcome benefit is credited after fee realisation. The HDFC Bank Freedom Credit Card has an attractive structure. It allows you to earn 25X Reward Points on your birthday spending, earn 10X Reward Points on PayZapp and SmartBuy spending. Further, you can earn 5XReward Points if you use your card for grocery shopping, dining or buying railway tickets. You also have the choice to use your accumulated Reward Points to redeem for exciting range of goods from the reward catalogue or redeem accumulated Reward Points via CashBack, where every 100 points equals Rs 10.

Look for seasonal deals and offers

You may receive emails with offers and other information that most probably land in your spam folder. But before you delete them, scan them carefully for any Credit Card bonuses that offer extra benefits. For instance, during Diwali and other festive seasons, HDFC Bank Credit Cards offer additional benefits on purchases that can result in extra savings.

Check the expiration dates

Some Credit Card users attempt to collect a host of Reward Points and redeem them all at once. This is applicable for frequent flier miles as well as hotel points. But accumulated Reward Points can lose value over time. Moreover, they may also have expiry dates. To ensure you do not miss out on a good deal on a hotel booking or lose the chance of a waiver on an air ticket, keep a close watch on your Reward Points and try to redeem them as soon you can.

By following these simple steps, you can make the most of your Reward Points and get a little extra each time you purchase something on your Credit Card!

Looking to apply for a Credit Card from HDFC Bank? Click here to get started!

* Terms & conditions apply. Credit Card approvals are at sole discretion of HDFC Bank Ltd. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.

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