So I use a HDFC neu card for UPIs and get some points on the spends, also I get some notifications like use the point here and there so my questions is there a way to use the points more efficiently for maximum profits or its just use as per need, because there are many options to redeem points like hotels, jewelry, grocery etc.
Hii, from when I first started using credit cards, the idea of reward points felt confusing — but once I understood how they worked, it became a genuinely helpful way to save on everyday spending.
What Are Reward Points on a Credit Card?
• Reward points are basically loyalty credits your bank gives you every time you use your credit card.
• Think of them like small thank-you tokens that add up over time.
For example:
If your card offers 2 points per ₹100 spent, then spending ₹1,000 earns you 20 reward points.
What Can You Do With These Points?
You can usually redeem reward points for:
• Gift vouchers (shopping, dining, travel)
• Flight or hotel bookings
• Online purchases
• Cashback / statement credit
• Product catalog items
Personally, I often use mine for vouchers or cashback easy and instantly useful.
