Question 1

How much is 1 HDFC Infinia reward point worth in rupees?

Accepted Answer

1 HDFC Infinia reward point is worth ₹0.25 as cashback, but up to ₹1.78 when transferred to Singapore Airlines KrisFlyer for business class redemptions. The value depends entirely on how you redeem. Use the RewardsAI calculator to see your specific points value.

Question 2

How do I check my credit card reward points value in India?

Accepted Answer

Enter your bank, card name, and points balance in the RewardsAI calculator. It shows the rupee value across all redemption options — cashback, airline miles, hotel stays — so you can pick the best one.

Question 3

Which Indian credit card gives the best redemption value?

Accepted Answer

HDFC Infinia and Axis Atlas give the highest value when points are transferred to airline partners — up to ₹1.00–₹1.78 per point. For pure cashback with no effort, SBI Cashback Card and HSBC Live+ give 5% and 10% respectively on online spends.

Question 4

Is it better to redeem credit card points for cashback or flights?

Accepted Answer

Almost always flights, for premium cards. Redeeming HDFC Infinia points as cashback gives ₹0.25 per point. Transferring the same points to Singapore Airlines KrisFlyer for a business class seat gives ₹1.78 per point — a 7x difference. Cashback is only better when points are about to expire.

Question 5

How do I transfer HDFC reward points to airline miles?

Accepted Answer

Log into HDFC NetBanking → Cards → Redeem Reward Points → Miles Transfer. Select your airline programme (Singapore Airlines KrisFlyer, Air India Maharaja Club, etc.) and enter your frequent flyer number. Transfer is typically 1:1 for Infinia and Diners Black. Takes 3–4 days.

Credit card points value calculator for India

Common questions about credit card points