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Expiry Rescue

Points about to lapse? Pick your card to see the bank's expiry rule and the best way to use them first.

HDFC Bank

BizBlack Metal Edition Credit Card

When your points expire

“except for Infinia / Infinia (Metal Edition )/ Diners Black Metal Edition/ Diners Black Card / BizBlack Metal Card for which reward points are valid for 3 years”

MITC in English · read 29 Sept 2026

Remind me before my points expire

HDFC Bank's rule: points are valid for 36 months after you earn them, so some can expire every month. We'll remind you at the start of each month to check what expires and the quickest way to use it.

Add a monthly reminder to my calendar

What your points are worth

  1. On HDFC Bank’s own portal

    1 Reward Points = Rs.0.5

    The bank’s words
    “Reward Points can easily be redeemed for exciting gifts from our product catalogue, at the applicable redemption rate of 1 Reward Points = Rs.0.5.”
    Faq Biz Black

  2. On HDFC Bank’s own portal

    SmartBuy Rewards Portal, at a value of 1 Reward Points = Up to Rs.1

    The bank’s words
    “Reward Points can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 Reward Points = Up to Rs.1”
    Faq Biz Black

Quickest way to save them

Use them on HDFC Bank’s own portal: 1 Reward Points = Rs.0.5. See the card’s page.