How to check and redeem reward points?

How to Check and Redeem Credit and Debit Card Reward Points

What are Reward Points?

Reward points are the loyalty points earned every time when the credit card or debit card is used online or swiped offline. These reward points can be redeemed to book Hotels, Flights, Bus tickets online. Some banks allow using these Reward Points for buying eCommerce gadgets too.

Generally, Reward Points (RP) are credited for every 50, 100, 150 or 200 rupees spent on the card. Each credit card has a different reward points structure. Each reward point has a conversion value.

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redBus online bus ticket booking added to SmartBuy 10X Reward Points by HDFC

10X Reward Points for Bus Booking

It’s very interesting to see HDFC is adding more products to the SmartBuy portal. SmartBuy already has Flights, Hotels, Experience, Amazon and Flipkart. Since this year is HDFC’s 25th anniversary the 10X Reward Points is extended to most of the credit cards, debit cards, and PayZapp mobile app.

redBus is India’s best online bus ticket booking platform which connects bus travellers with around 2500 bus operators across the country.

redBus was part of 10X reward points partner on Diners Club during last and this year. I should say that I was really using it for almost all my intercity travels. I really felt missed when the partner was discontinued a few months back. And now, I’m super happy to know that HDFC has understood its customers need and had launched bus booking on a large scale and extended 10X reward for all its cardholders.

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HDFC Diners Black 10x Reward Points

HDFC Diners Black 10x Reward Points

One of the best super premium credit cards from HDFC is Dinersclub Black. The reason for it being one of the most wanted credit is the HDFC diners club credit card benefits such as unlimited lounge access and currently running 10X reward points.

One of the main reason for me to hold on to Dinersclub credit card though they have lesser acceptance than VISA and MasterCard is 10X reward points only.

Aug 2019

All the Dinersclub credit cardholders are eligible for SmartBuy and 10x Partners rewards.


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HDFC Bank Diners Club Black Credit Card Review

HDFC Diners Club Black Credit Card Review

HDFC Diners Club Black is one of the best super premium international credit cards in India. I have huge respect for their strategy and reward points. The team who manages and promotes the card really understands what the customer needs and introduced the 10x partners on travel, food and shopping category. I think I’m personally very loyal to this credit card and proud to make use of it too.

VISA and MasterCard may be the top market share holders for credit cards, but there are other players such as Diners Club International (DCI) and RuPay. Diners Club has an exclusive tie-up with HDFC Bank as issuer in India. DCI has a history from 1950 and was the first charge card. They were acquired by CitiBank in 1981 and later by Discover Financial Services in April 2008.

Look & Feel

  • The card looks elegant black and has a world map in the background
  • The card comes with EMV chip but does not have NFC enabled the contactless option

Reward rate

The card comes with one of the best in class reward rate. I could even say they are unbeatable.

  • Usually, 3.3 % on all the retail spends
  • Accelerated up to 33% during the seasonal promotions
  • Minimum spend is 150 INR and in multiples, 5 reward points for every 150 INR spent
  • Exceptions
    • SmartEMI, EasyEMI, and e-wallet loading transactions will not accrue Reward points.
  • Capping
    • 25,000 reward points per statement
    • Insurance transactions will have a maximum cap of 2,000 per transaction
  • Reward points are valid only for 3 years from the date of accumulation
  • These capping may change from time to time, please visit

Let’s say you spend 1,00,000 INR rupees every month on your credit card for all your lifestyle needs such as paying your restaurant, shopping, medical and travel. You will save 3,300 as reward points. If you spend the same 1L on preferred partners who are on 10X reward promotions then you will have 33,000 which you could use to book flights or hotel. That is what I call it as free money. Continue reading “HDFC Bank Diners Club Black Credit Card Review”

IndusInd Bank Signature Legend Credit Card Review

IndusInd Signature Legend Credit Card Review

IndusInd bank has a variety of credit card products and offers. The only problem with any IndusInd credit card product is the huge one-time joining fee.

IndusInd Signature Legend Credit Card Review
IndusInd Signature Legend Credit Card Review

About Signature Legend Credit Card

IndusInd Signature Legend Credit Card is a premium credit card under the VISA Signature platform and positioned below Pinnacle credit card. It’s also mentioned as Legend credit card in many places. It’s also a PayWave / Contactless card. Continue reading “IndusInd Bank Signature Legend Credit Card Review”

Making best use of cash back from mobile wallets

India’s best customer acquisition strategy is cashback. That’s why most of the e-commerce companies and credit cards offer cashback to make the payment go through them so they could replace hot cash. Cash (Flow) really is king, isn’t it.

Last year I was exploring a lot of travel and credit cards. One interesting thing that I was obsessed about was cashback. Of course, who won’t like cash back? Everyone does, don’t you?

What to do with cash back?

Simple, invest them but wisely.

But how?

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