HDFC Bank
IRCTC HDFC Bank Credit Card
When your points expire
“Reward Points Validity 2 years, from the date of earning the reward points”
Linked page on www.hdfc.bank.in · read 12 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
Quickest way to save them
Use them on HDFC Bank’s own portal: Value of 1 RP= ₹1 for Train ticket booking. See the card’s page.