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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

HDFC Bank Millennia Credit Card

When your points expire

“Unredeemed Reward Points expire/lapse after 2 years.”

Linked page on www.hdfc.bank.in · read 29 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

    1 Reward Point = ₹1 cashback against statement balance; ₹0.30 on SmartBuy flights and hotels; ₹0.30 as Airmiles; upto 0.30 in the rewards catalogue

    The bank’s words
    “1 Rewards points is equivalent: [...] CashBack (as against statement balance) = ₹1 [...] On SmartBuy - Flight and Hotel bookings = ₹0.30 [...] Airmiles = ₹0.30 [...] Rewards catalogue = upto 0.30”
    Linked page on www.hdfc.bank.in

Quickest way to save them

Use them on HDFC Bank’s own portal: 1 Reward Point = ₹1 cashback against statement balance; ₹0.30 on SmartBuy flights and hotels; ₹0.30 as Airmiles; upto 0.30 in the rewards catalogue. See the card’s page.