CRPCheckRewardPoints
Credit CardsLast verified: 01-Dec-2025

HDFC Millennia Credit Card Reward Points: Value, Check & Redeem Guide (2026)

Point Value

₹1 per point (5% cashback)

Expiry

2 years

Redemption Options

4

Last Updated

01-Dec-2025

HDFC Cashpoints Value in 2026

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

How to Check Your HDFC Cashpoints Balance

📱

HDFC Mobile App

  1. 1Open HDFC Mobile App
  2. 2Go to Cards > Credit Cards
  3. 3Select Millennia card
  4. 4View CashPoints balance
Open →
🌐

NetBanking

  1. 1Login to HDFC NetBanking
  2. 2Cards > Credit Cards > Millennia
  3. 3Check CashPoints section
Open →
📨

SMS

  1. 1Send 'REWARD' to 5676712

Number: 5676712

📞

Missed Call

  1. 1Call 1860-267-6161

Number: 1860-267-6161

📞

Customer Care

  1. 1Call HDFC: 1860-267-6161
  2. 2Ask for cashpoint balance

Number: 1860-267-6161

How to Redeem HDFC Cashpoints

Statement Credit

Best Value

Direct credit to card statement

Value: ₹1/point

Flight Bookings

Via SmartBuy portal (50% redemption only)

Value: ₹1/point

Hotel Bookings

Via SmartBuy portal (50% redemption only)

Value: ₹1/point

Product Vouchers

From rewards catalog

Value: ₹0.50/point

Best Redemption Strategy

Statement credit gives full ₹1 per point value. SmartBuy flight/hotel redemptions require 50% card payment, limiting benefit

Open Redemption Portal →

Expiry Policy

CashPoints expire 2 years from accumulation date. No nullification if card is used within 365 days

Exclusions

  • ×Fuel spends
  • ×Rental payments
  • ×Government payments
  • ×EMI conversions
  • ×E-wallet loading
  • ×Offline spends less than ₹100

Pro Tips

  • 💡Use exclusively on 5% partner merchants for maximum cashback
  • 💡Redeem points monthly as statement credit to avoid expiry
  • 💡Quarterly milestone vouchers worth ₹1000 after ₹1L spend per quarter
  • 💡Combined milestone earnings cap at 2000 cashpoints per cycle
  • 💡No minimum redemption needed - redeem even small balances

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.