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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

BizGrow Credit Card

When your points expire

“Unredeemed Cash Points will expire/lapse after 2 year of accumulation”

Linked page on www.hdfc.bank.in · read 11 Sept 2026

Remind me before my points expire

HDFC Bank's rule: points are valid for 24 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

    Product Catalogue via Netbanking & SmartBuy: up to ₹0.25; Business Catalogue via Netbanking & SmartBuy: up to ₹0.30

    The bank’s words
    “Redeem against Product Catalogue via Netbanking & SmartBuy Up to₹ 0.25 [...] Redeem against Business Catalogue via Netbanking & SmartBuy Up to₹ 0.30”
    Linked page on www.hdfc.bank.in

  2. On HDFC Bank’s own portal

    Cashback against statement ₹0.20 per Cashpoint; up to ₹0.25 on SmartBuy (Flights/Hotel booking); up to ₹0.30 against Business Catalogue

    The bank’s words
    “1 Cashpoint Equivalent to [...] Redeem as cashback against statement ₹0.20 [...] Redeem on SmartBuy (against Flights/Hotel booking) Up to₹0.25 [...] Redeem against Business Catalogue via Netbanking & SmartBuy Up to₹ 0.30”
    Linked page on www.hdfc.bank.in

Quickest way to save them

Use them on HDFC Bank’s own portal: Product Catalogue via Netbanking & SmartBuy: up to ₹0.25; Business Catalogue via Netbanking & SmartBuy: up to ₹0.30. See the card’s page.