Don’t Miss These 6 Reward Points Redemption Options on HDFC Infinia Credit Card

HDFC Bank’s Infinia Credit Card is one of India’s top-tier premium credit cards, offering unmatched benefits to its users. Among its best features is its reward points program, providing flexibility and high redemption value.

Most credit cards either give reward points or direct cashback. But with HDFC Infinia, the reward points are versatile and valuable, making it essential for cardholders to know how to get the best value out of their accumulated points.

Let’s dive deep into all redemption options available for HDFC Infinia Credit Cardholders in 2025 and see which ones offer the best value.

Top Redemption Options for HDFC Infinia Reward Points

1. Booking Flights and Hotels via SmartBuy (₹1 = 1 Reward Point)

For frequent travelers, SmartBuy is the most rewarding platform to redeem Infinia reward points.

• Redemption Value: ₹1 per reward point
• Partners: EaseMyTrip, Yatra, Cleartrip, Goibibo
• Coverage: Domestic & International Flights + Hotel Bookings
• Usage Limit: Max 1,50,000 reward points per calendar month
• Payment Split: Up to 70% of transaction via reward points, rest 30% with Infinia card

Booking via SmartBuy is one of the best-value options, especially for those who regularly travel.

2. Transfer Reward Points to Airline & Hotel Partners

HDFC Bank Infinia lets you convert your points into airline miles or hotel loyalty points with 17 leading partners:

Pro Tip: For the best value, choose partners offering a 1:1 ratio, especially when redeeming for international premium cabin tickets.

3. Tanishq Gift Vouchers (₹1 = 1 Reward Point)

For those not inclined towards travel, Tanishq Gift Vouchers provide excellent redemption value.

• Redemption Value: ₹1 per reward point
• Denominations: ₹500 – ₹10,000
• Usage Limit: 50,000 reward points per calendar quarter
• Payment Split: 70% via points, 30% via Infinia card

It’s an ideal option for gifting or buying jewelry.

4. Apple Products (₹1 = 1 Reward Point)

Another premium redemption option is purchasing Apple products.

• Products Available: iPhone, MacBook, iPad, Apple Watch, etc.
• Redemption Value: ₹1 per reward point
• Limit: 1 Apple product per calendar quarter
• Payment Split: 70% via points, 30% via Infinia card

Apple product redemption is high-value but limited by frequency.

5. Gift Vouchers from Multiple Brands (₹0.40 – ₹0.50 = 1 Reward Point)

If you shop frequently, HDFC Infinia also offers brand gift vouchers.

• Brands: Amazon, Flipkart, Myntra, Big Bazaar, and more
• Redemption Value: ₹0.40 – ₹0.50 per reward point
• Use Case: Good for day-to-day purchases but offers lower value than premium options.

6. Redeem for Merchandise (₹0.50 = 1 Reward Point)

Cardholders can use their points to buy from a wide range of products across categories:

• Electronics
• Fashion accessories
• Kitchen appliances
• Beauty & wellness products

Note: Redemption value here is ₹0.50/reward point, better than gift vouchers but not as good as SmartBuy or Tanishq vouchers.

7. Convert to Cash (₹0.30 = 1 Reward Point)

If none of the other options suit your needs, you can convert reward points to cash.

• Redemption Value: ₹0.30 per reward point
• Limit: 50,000 points/month
• Credit Time: Within 2 working days to your credit card account

However, this is the least rewarding option and should be chosen only when necessary.

Which Redemption Options Are Best?

For maximum value, always choose:

• Flights & Hotels via SmartBuy
• Transfer to 1:1 Airline/Hotel Partners
• Tanishq Gift Vouchers
• Apple Product Redemptions

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