What you get
- Transfer eligible points to airline and hotel programmes; Accor confirms 2 HDFC RP = 1 ALL point. Other ratios require the current card-specific portal.
- Quarterly and annual milestones can save up to ₹16,000/year, plus Boarding Edge perks like buffet, spa and more.
Worth knowing
- Travel Rewards
- SmartBuy travel/voucher accelerators; check current card-specific multiplier and caps
- Brand Rewards
- 5X on selected brands including Myntra, Nykaa, Reliance Digital & M&S, subject to caps
- Accor transfer
- 2 HDFC Reward Points = 1 ALL Reward point, subject to partner terms
- Lounge Access
- 3 domestic next quarter after Rs 60k current-quarter eligible spend + 6 international/year
SmartBuy’s transfer screen requires cardholder verification. Accor 2:1 is confirmed by Accor’s official HDFC terms; other current card-specific ratios require the live account screen.
