HDFC credit card rules change from October 1, 2024.

New HDFC Credit Card Guidelines Effective October 1, 2024: What Cardholders Need to Know

Written by: Supriya Kadu

Edited by: Omkar Devadkar

Last Updated: September 26, 2024

Summary: On October 1, the loyalty program offered by HDFC Bank for a few credit cards will change. There will only be one reward point redemption per quarter for Apple products.

The HDFC Bank has made changes to its credit card loyalty program. The guidelines take effect on October 1, 2024. The new guidelines restrict HDFC Bank's ability to exchange reward points for one Apple device every six months on the Smartbuy platform.

The SmartBuy portal limits the number of reward points redeemable for Tanishq gift cards to ₹50,000 every six months, starting on October 1st, 2024. The changes are for Infinia and Infinia Metal Cards.

According to the HDFC bank website:

On the HDFC Bank SmartBuy portal, the redemption of reward points to get Apple Products is limited to one product for every six months, effective October 1st, 2024. Calendar quarters: April to June, July to September, October to December, January to March. This applies only to Infinia and Infinia Metal Cards.

On the HDFC Bank SmartBuy portal, the redemption of reward points for Tanishq vouchers will be capped at 50,000 reward points for every calendar quarter, starting October 1st, 2024. Calendar quarters: April to June, July to September, October to December, January to March. This applies only to Infinia and Infinia Metal Cards.

Joining/Renewal Membership Fee: Rs. 12,500 + applicable taxes. Enjoy the Welcome and Renewal benefit of 12,500 reward points* upon fee realization and card activation. Spend 10 lakhs or more in the preceding 12 months and get the renewal membership fee waived off for next year.”