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

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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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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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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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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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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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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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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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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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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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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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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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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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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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