How to Redeem HDFC Millennia Credit Card Points — Best Options (2026)
4 redemption options compared. Find the best value for your HDFC Cashpoints.
Best Redemption Strategy
Statement credit gives full ₹1 per point value. SmartBuy flight/hotel redemptions require 50% card payment, limiting benefit
All Redemption Options
Statement Credit
Best ValueDirect credit to card statement
Value per point: ₹1
Flight Bookings
Via SmartBuy portal (50% redemption only)
Value per point: ₹1
Hotel Bookings
Via SmartBuy portal (50% redemption only)
Value per point: ₹1
Product Vouchers
From rewards catalog
Value per point: ₹0.50
Redemption Portal
Open HDFC Bank Rewards Portal →Understanding Point Value
5% cashback on partner merchants (Amazon, Flipkart, Myntra, Swiggy, Uber, Zomato, etc.), 1% on all other spends. 1 CashPoint = ₹1 statement credit. Capped at 1000 cashpoints per category per cycle
Frequently Asked Questions
What is the best way to redeem HDFC Millennia Credit Card points?
Statement credit gives full ₹1 per point value. SmartBuy flight/hotel redemptions require 50% card payment, limiting benefit
Can I convert HDFC Millennia Credit Card points to cash?
Cashback may not be directly available. Check the redemption portal for current options.
Is there a minimum points requirement to redeem HDFC Millennia Credit Card points?
Minimum redemption requirements vary by option. Check the HDFC Bank rewards portal for specific minimums for each redemption type.
Do HDFC Millennia Credit Card points expire?
CashPoints expire 2 years from accumulation date. No nullification if card is used within 365 days