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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

PhonePe HDFC Bank Ultimo Credit Card

When your points expire

“Unredeemed Reward Points will expire/lapse after 2 years from the date of accumulation.”

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

  1. On HDFC Bank’s own portal

    1 Reward Point is equivalent to Re.1 when redeemed as cashback against statement credit; 1 Reward Point is equivalent to Re.0.3 of SmartBuy (Flights/Hotels, Airmiles & Product Catalogue)

    The bank’s words
    “1 Reward Point is equivalent to Re.1 when redeemed as cashback against statement credit 1 Reward Point is equivalent to Re.0.3 of SmartBuy (Flights/Hotels, Airmiles & Product Catalogue).”
    Linked page on www.hdfc.bank.in

Quickest way to save them

Use them on HDFC Bank’s own portal: 1 Reward Point is equivalent to Re.1 when redeemed as cashback against statement credit; 1 Reward Point is equivalent to Re.0.3 of SmartBuy (Flights/Hotels, Airmiles & Product Catalogue). See the card’s page.