Complete Credit Card Reward Redemption Guide (Where & How to Redeem for Most Banks) - For Beginners

[helloworld]

💡 Use ‘Threadmarks’ to directly jump to your required bank’s reward redemption process. Each post covers a specific bank with step-by-step instructions, direct links, and screenshots for clarity.

Maximize Your Rewards & Get the Most Value from Your Credit Cards!

• The Ultimate Credit Card Guide – One-Stop Solution for All Your Queries with RR Analysis!

Credit card reward programs offer various redemption options; cashback, travel, e-vouchers, and even bill payments. However, navigating these options can sometimes be confusing. This guide will help you understand and redeem your points efficiently across different banks.

📌Let’s make sure those hard-earned points don’t go to waste! Check out the posts below for your bank's reward redemption process.

What this guide covers:​

✅ Where to find and redeem your credit card reward points.
✅ All available redemption options for each bank (cashback, vouchers, flights, transfers, etc.).
✅ Tips and suggestions to maximize your reward points.

What this guide does not cover:​

❌ The best redemption choice (this depends on individual needs).
❌ The value of reward points (as it varies across different cards).
❌ Preferred redemptions (since the "best" option is subjective).

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💬 Have you redeemed your credit card reward points recently? Share your experience; was the process smooth or confusing?

• Is Your Credit Card Worth the Fee? A Guide to Evaluating Net Rewards

💡 Which redemption option do you prefer the most? Are you a fan of cashback, travel redemptions, or gift vouchers?

• Credit Card Redemptions: Rewards or Cashback? Let's Talk About Your Preferences!

🚀 Any pro tips for maximizing reward redemptions? Drop your suggestions!

🤔 Found any hidden tricks to redeem points or lesser-known benefits? Let us know in the comments!

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Bank​	Minimum Points​	Redemption Fee​	Points Expiry​	Website​	🛍️/🛒 Shopping​	✈️/🏦 Travel​	💳 Statement Credit​	🎁 Vouchers​	🔁 Points Transfer​
AXIS	₹500 (equivalent)	₹118 (based on no.of points)	3Y	Axis Rewards	✅	✅	✅	✅	✅
BOB	500	0	2Y (Eterna: Never)	BOB Rewards	❌	❌	✅	❌	❌
AMEX	500	0	Never	AMEX Rewards	✅	✅	✅	✅	✅
HDFC (Premium)	₹500 (equivalent)	₹118	3Y (DCB/Infinia) 2Y (Regalia/DCP)	HDFC Rewards	✅	✅	✅	✅	✅
HDFC (Other)	₹500 (equivalent)	₹118	2Y	HDFC Bank	✅	✅	✅	✅	✅
Standard Chartered	₹1000 (equivalent)	₹118	2Y (Ultimate: 3Y)	SC Rewards	✅	❌	❌	✅	❌
ICICI	₹100 (equivalent)	₹118	3Y	ICICI Rewards	✅	❌	❌	✅	❌
Federal	₹250 (equivalent)	₹118	2Y	Federal Rewards	✅	✅	✅	✅	❌
AU	₹100 (equivalent)	₹118	2Y	AU Rewards	✅	✅	❌	✅	❌
IDFC	₹100 (equivalent)	₹118	Never	IDFC Rewards	✅	✅	✅	✅	❌
YES	₹100 (equivalent)	₹118	2Y (Reserv/Marque: 3Y)	YES Rewards	✅	✅	✅	✅	❌
IndusInd	₹100 (equivalent)	₹118	Never	Indus Moments	✅	✅	✅	✅	❌
SBICard	₹500 (equivalent)	₹118	2Y	SBI Rewards	✅	✅	✅	✅	❌
Kotak	₹500 (equivalent)	0	2Y	Kotak Rewards	✅	✅	✅	✅	❌
RBL

Let me know if you’d like any more adjustments or comparisons! 😊

Feel free to provide suggestions or any additional information needed or included in these posts. Thanks!

 

[helloworld]

AXIS Bank Credit Card Reward Redemption Guide

🫣 Minimum reward points: INR 500 worth of reward points
🥸 Redemption Fee: 118 (may vary based redeem points)
🥸 Reward Points Expiry: 3 Years (if no activity on that card, 365 days)

🔗 More details on AXIS Credit Cards & Reward Values:

• AXIS Atlas vs HDFC Regalia Gold vs AXIS Horizon vs HSBC TravelOne

How to Redeem AXIS Bank Credit Card Reward Points

1. Visit and Login: https://omni.axisbank.co.in/axisretailbanking/
2. Navigate to "EDGE REWARDS"from the left menu.
   • Points → Redeem EDGE Rewards
   • Miles → Redeem EDGE Miles (Atlas, Olympus, Horizon, IO Premium)
3. Click 'Explore' to browse available redemption options.
4. Select your preferred redemption category:
   • E-Vouchers → Choose the relevant brand voucher.
5. POS Check-out → Use points directly at checkout (if supported).

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

BOB Credit Card Reward Redemption Guide

🥸 Minimum reward points: 500
🥸 Redemption Fee: 0 (No Fee)
🥸 Reward Points Expiry: 2 Years (Eterna: No Expiry)

How to Redeem BOB Credit Card Reward Points

1. Visit & Login: https://portal.bobcard.co.in/login
2. Go to 'My Card Services' → Select 'Rewards'.
3. Enter the number of points you want to redeem.
4. Click 'Redeem Now' to convert points into statement credit.

📌 Note: BOB Cards only allows reward points to be converted into statement credit → because cash is king 👑!


📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

AMEX Credit Card Reward Redemption Guide

🥸 Minimum reward points: 500
🥸 Redemption Fee: 0 (No Fee)
🥸 Reward Points Expiry: No Expiry

How to Redeem AMEX Credit Card Reward Points

1. Visit and Login: https://global.americanexpress.com/rewards
2. Click "Earn and Redeem" to explore redemption options.

🔗 More details on AMEX Credit Cards & Reward Values:

• AMEX MRCC vs AMEX Gold Charge vs AMEX Plat Travel vs AMEX Plat Reserve

Redemption Options Available:

• Cover Your Card Charges → Convert reward points into statement credit (because Cash is King 👑!).
• Pay with Points at Checkout → While shopping online or at POS, select the option to use reward points to settle the transaction as statement credit on the fly.
• INSTA Vouchers & Gold Collection → Redeem points for E-Gift Vouchers.
• Redeem for Travel → Works like "Pay with Points at Checkout," but through a dedicated AMEX Travel Portal.
• Transfer Points → Convert your reward points to airline or hotel loyalty programs.

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

HDFC Credit Card Reward Redemption Guide

For Premium HDFC Credit Cards (Diners Privilege, Diners Club Black, Regalia Gold, Infinia)

🫣 Minimum reward points: INR 500 worth of reward points
🥸 Redemption Fee: 118 (may vary based redeem points)
🥸 Reward Points Expiry: 2 Years

🔗 More details on HDFC Credit Cards & Reward Values:

• AXIS Atlas vs HDFC Regalia Gold vs AXIS Horizon vs HSBC TravelOne

How to Redeem HDFC Bank Credit Card Reward Points

1. Visit & Login: https://offers.reward360.in/v1/foryou
2. Select your card from the 'Privileges' tab.
3. Click 'Proceed' and Choose from the available redemption options:

Redemption Categories:

• Earn: Get accelerated reward points on select purchases.
• Burn: Redeem your accumulated reward points.
• Travel: This place has both Earn/Burn options
  • For 'Flight/Stay' it will provide an option to redeem reward points at checkout.
  • For 'Others', we can only 'Earn' reward points
• Rewards: This section dedicated to 'Burn' reward points only.
  • Luxury Brands → Redeem points for high-end products.
  • Reward Catalogue → Includes E-Gift Vouchers & user-friendly options.
  • All Things Apple → Dedicated to Apple product redemptions.
  • Miles Transfer → Transfer points to airline/hotel loyalty programs (same as above, duplicate section).
  • Points to Cash → Convert points to statement credit (because Cash is King 👑!).

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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• If you scroll down here, for some cards (Infinia, Diners, Regalia Gold), it provide another option to 'TRANSFER TO MILE' to your preferred 'airline/hotel' partner.
  • Click 'TRANSFER TO MILE'
  • Select preferred 'airline/hotel' and click 'CONVERT NOW' and follow the steps

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For Other HDFC Credit Cards

1. Visit & Login: https://www.hdfcbank.com/
2. Old UI Method:
   • Select 'Cards'
   • Navigate to 'Credit Cards' → 'Enquire' → 'Redeem Reward Points'
   • Select your card → Click 'Continue' → Click 'Continue' again (Ensure pop-ups are enabled)
3. New UI Method:
   • Go to 'Pay' → 'Credit Cards'
   • Select your card → Click 'Actions' → 'More Actions' → 'Redeem Reward Points'

📌 Redemption options remain the same as explained above, just placed differently!


📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

Standard Chartered Credit Card Reward Redemption Guide

🥸 Minimum reward points: INR 1000 worth of reward points
🥸 Redemption Fee: INR 118
🥸 Reward Points Expiry: 2 Years (Ultimate: 3 Years)

How to Redeem Standard Chartered Reward Points

1. Visit and Login: https://retail.sc.com/in/rewards360/rewards_home/in
2. Browse through the available redemption categories:
   • Electronics → Redeem points for electronic items (priced at MRP).
   • Home & Family → Household essentials (priced at MRP).
   • Lifestyle → Luxury products (priced at MRP).
   • Vouchers → Redeem for E-Gift Vouchers.
   • Travel → Travel-related items (Luggage) redemptions (priced at MRP).

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

ICICI Credit Card Reward Redemption Guide

🥸 Minimum reward points: INR 500 worth of reward points
🥸 Redemption Fee: INR 118
🥸 Reward Points Expiry: 3 Years

How to Redeem ICICI Credit Card Reward Points

1. Visit and Login: ICICI Login Page
2. Navigate to CARDS & LOANS → ICICI BANK REWARDS → Click "Redeem Now".
3. Choose from the available redemption categories:
   • Electronics / Home & Kitchen / Travel & Luggage / Discount Store / Eco-Friendly Products / Health & Beauty / Home Appliances → Online shopping, with most items priced at MRP.
   • Fashion & Lifestyle → Online shopping and E-Gift Vouchers.
   • Other Loyalty Programs → Transfer reward points to Air India loyalty program.

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

Federal Bank Credit Card Reward Redemption Guide

🥸 Minimum reward points: INR 250 worth of reward points
🥸 Redemption Fee: INR 118
🥸 Reward Points Expiry: 2 Years

How to Redeem Federal Bank Credit Card Reward Points

1. Visit and Login: https://www.federalrewards.in/
2. Choose from the available redemption categories:
   • Shopping → Redeem points for shopping items (priced at MRP).
   • EGV (E-Gift Vouchers) → Redeem for digital gift vouchers.
   • Flight → Use points to book flight tickets.
   • Hotel → Redeem points for hotel bookings.
   • Bill-Pay → Pay utility bills using reward points.
   • Bus → Use points to book bus tickets.
   • AirMiles → Convert points to airline miles or hotel loyalty points.
   • Credit Card Bill Payment → Convert reward points to statement credit (because Cash is King 👑!).

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

AU Bank Credit Card Reward Redemption Guide

🥸 Minimum reward points: INR 500 worth of reward points
🥸 Redemption Fee: INR 118
🥸 Reward Points Expiry: 2 Years

🔗 More details on AU Credit Cards & Reward Values:

• AU Zenith vs. AU Zenith
• AU Bank Credit Cards Overview

How to Redeem AU Bank Credit Card Reward Points

1. Visit and Login: https://rewardz.aubank.in/
2. Click on "Redeem Points"and choose from the available options:
   • Merchandise → Redeem points for shopping items (priced at MRP).
   • Booking → Use points to book flights, buses, or hotels.
   • Recharge → Recharge mobile or DTH services using points.
   • Golf → Book a golf session, if provided by your card.
   • E-Gift Vouchers → Redeem points for digital gift vouchers.

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

IDFC Credit Card Reward Redemption Guide

🥸 Minimum reward points: INR 500 worth of reward points
🥸 Redemption Fee: INR 118
🥸 Reward Points Expiry: No Expiry

How to Redeem IDFC Credit Card Reward Points

1. Visit and Login: https://www.firstrewards.com/
2. Choose from the available redemption options:
   • E-Vouchers→ Redeem points for digital gift vouchers.
   • Flights & Hotels → Use points to book flights & hotel stays.
   • Recharge → Recharge mobile or DTH services.
   • Store → Shop online for products (mostly priced at MRP).
   • Movies → Use points to book movie tickets.
3. Checkout Option → You can also redeem points directly at checkout, simply check the box, and your points will be converted to an equivalent amount to settle the bill.

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

YES Bank Credit Card Reward Redemption Guide

🥸 Minimum reward points: INR 500 worth of reward points
🥸 Redemption Fee: INR 118
🥸 Reward Points Expiry: 2 Years (Reserv/Marquee: 3 Years)

🔗 More details on YES Bank Credit Cards & Reward Values:

• YES Marquee vs. YES Reserv 3X vs. YES Reserv 5X

How to Redeem YES Bank Credit Card Reward Points

1. Visit and Login: https://credit.yesrewardz.com/
2. Click "Redeem Points" and choose from the available options:
   • EGV → E-Gift Vouchers
   • Catalogue → Redeem points for shopping items (priced at MRP).
   • Bookings → Use points to book flights, hotels, or golf sessions.
   • Other:
     • Share Reward Points → Transfer points to another YES Credit Card.
     • Adani Reward Conversion → Convert points for use in the Adani app.
   • Bill Pay:
     • BBPS → Pay utility bills using points.
     • CC Bill Pay → Convert reward points to statement credit (because Cash is King 👑!).

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

IndusInd Credit Card Reward Redemption Guide

🥸 Minimum reward points: INR 100 worth of reward points
🥸 Redemption Fee: Statement Credit: INR 177, others: INR 118
🥸 Reward Points Expiry: No Expiry

How to Redeem YES Bank Credit Card Reward Points

1. Visit and Login: https://www.indusmoments.com/
2. There are many options (most of them to Earn reward points) but for redeem choose 'REDEEM' option.
3. Choose from the available options:
   • PRODUCT → Online shopping, with most items priced at MRP.
   • FLIGHT / BUS / HOTEL → Redeem points for travel bookings.
   • LUXE VOUCHER → Exclusive luxury brand gift vouchers.
   • CHARITY → Donate reward points to a supported organization.
   • POSTCARD HOTEL VOUCHER → Redeem for Postcard Hotel stays.
   • E-VOUCHERS → Digital gift vouchers for various brands.
   • CASH REWARD REDEMPTION → Convert reward points to statement credit (because Cash is King 👑!).

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

SBI Credit Card Reward Redemption Guide

🥸 Minimum reward points: INR 500 worth of reward points
🥸 Redemption Fee: 118
🥸 Reward Points Expiry: 2 Years

How to Redeem SBICard Credit Card Reward Points

1. Visit and Login: https://www.sbicard.com/en/personal/rewards.page
2. Choose from the available options:

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

KOTAK Credit Card Reward Redemption Guide

🥸 Minimum reward points: INR 100 worth of reward points
🥸 Redemption Fee: 0
🥸 Reward Points Expiry: 2 Years

How to Redeem Kotak Bank Credit Card Reward Points

1. Visit and Login: https://kotakrewards.com/
2. Choose from the available options:
   • shop → Online shopping, with most items priced at MRP.
   • travel → Redeem points for travel bookings.
   • recharge → To recharge mobile (prepaid/postpaid).
   • voucher → Digital gift vouchers for various brands.
   • CASH REWARD REDEMPTION → Call support or mail to redeem points as Cash Credit (because Cash is King 👑!).

📌 Screenshots for reference (step-by-step guide below):
(Images are placed at the end to maintain clarity.)

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[helloworld]

RBL Credit Card Reward Redemption Guide

TBA

 

[Riya]

Kuch samajh nahi aa rha... 🤔🤔🤔

 

[Juganta]

Kuch nahi samaj aa raha

 

[helloworld]

Kuch nahi samaj aa raha

Kuch samajh nahi aa rha... 🤔🤔🤔

To keep the thread organized and ensure that replies don’t appear before the main posts, I’ve added comments first. This way, all relevant information remains within the first few pages.

Additionally, instead of listing all banks in #1 post (which would make the first post too lengthy), each bank’s redemption details will be posted separately.

Sorry for any inconvenience! 😊

 

[Riya]

Just to avoid replies and avoid including all banks in single thread (which may look lengthy), first added comments so all available under first pages. Sorry for the inconvenience 🙂

Algorithm ko likhte hi run kar diya... Pehle data entry to kar lete... 🤣🤣

 

[soccer]

Nice work HW

Such a pity that most of the banks enforce both redemption fees and points validity expiry. 😥

In an ideal world (wink wink RBI), you should have neither, but in a worst case scenario, keep the expiry but remove the redemption fees, especially for instant vouchers