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Credit CardsLast verified: 01-Dec-2025

HDFC Diners Club Black Credit Card Reward Points: Value, Check & Redeem Guide (2026)

Point Value

₹0.30 - ₹1 per point

Expiry

3 years

Redemption Options

4

Last Updated

01-Dec-2025

HDFC Reward Points Value in 2026

5 points per ₹150 base spend (3.3% value). SmartBuy: ₹1 per point on flights/hotels. Cashback: ₹0.30 per point. Monthly caps: 75,000 points on flights/hotels, 7,500 bonus points on SmartBuy

How to Check Your HDFC Reward Points Balance

📱

HDFC Mobile App

  1. 1Open HDFC Mobile Banking app
  2. 2Go to Cards section
  3. 3Select Diners Club Black card
  4. 4View reward points balance
Open →
🌐

NetBanking

  1. 1Login to HDFC NetBanking
  2. 2Navigate to Cards > Credit Cards
  3. 3Click on Diners Club Black
  4. 4Check Reward Points section
Open →
📨

SMS

  1. 1Send 'REWARD' to 5676712

Number: 5676712

📞

Missed Call

  1. 1Give missed call to 1860-267-6161

Number: 1860-267-6161

📞

Customer Care

  1. 1Call HDFC Customer Care 1860-267-6161
  2. 2Request reward points balance

Number: 1860-267-6161

How to Redeem HDFC Reward Points

Flights & Hotels via SmartBuy

Best Value

Best value redemption option

Value: ₹1/point

AirMiles

Best Value

Convert to partner airline miles

Value: ₹1/point

Product Catalog

Electronics, vouchers, gifts

Value: ₹0.50/point

Cashback

Statement adjustment

Value: ₹0.30/point

Best Redemption Strategy

Flight and hotel bookings via SmartBuy for ₹1 per point. Avoid product catalog for poor value

Open Redemption Portal →

Expiry Policy

Reward points valid for 3 years from earning date. Card must be actively used within 365 days else points nullified

Exclusions

  • ×Fuel purchases
  • ×EasyEMI conversions
  • ×E-wallet loading
  • ×Rental payments
  • ×Insurance & utilities (capped 2000-5000 pts/month)
  • ×Government transactions
  • ×SmartEMI conversions

Pro Tips

  • 💡Max out SmartBuy accelerated points for 10X rewards
  • 💡Redeem flights/hotels exclusively for best value
  • 💡Track monthly spending caps to optimize redemption
  • 💡Use AirMiles for flights you can't book on SmartBuy
  • 💡Combine with bank cashback offers for extra savings

Related Guides

How to Check Points

Step-by-step guide

How to Redeem Points

Best redemption options

All HDFC Bank Cards

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Information is for reference only. Point values and policies may change. Always verify with HDFC Bank official sources. Last updated: 01-Dec-2025.