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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

Paytm HDFC Bank Business Credit Card

When your points expire

“Reward Point Validity: Reward Points /CashPoints are valid only for 2 years from [...] the date of accumulation.”

MITC in English · 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

    Every Re.1 Cashpoint is equivalent to Re.1 Cashback; Re.1 Cashpoint is equivalent to Re.0.3 of Smartbuy (Flights/Hotels), Airmiles & Product Catalogue

    The bank’s words
    “Every Re.1 Cashpoint is equivalent to Re.1 Cashback. [...] Re.1 Cashpoint is equivalent to Re.0.3 of Smartbuy (Flights/Hotels), Airmiles & Product Catalogue.”
    Linked PDF

Quickest way to save them

Use them on HDFC Bank’s own portal: Every Re.1 Cashpoint is equivalent to Re.1 Cashback; Re.1 Cashpoint is equivalent to Re.0.3 of Smartbuy (Flights/Hotels), Airmiles & Product Catalogue. See the card’s page.