what is best way to redeem credit card points

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Deal Cadet
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I have many points in my different card what is the best ways to redeem to it.
citi: 17850
hdfc: 46000
sbi: 25000 etc

17 Comments  |  
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Deal Cadet
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depends on card variants, for HDFC if regalia and above, flight booking is best

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Community Angel
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@akhild also mention Card Variant because it gives Clarity & Clarity Is Power

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Deal Cadet
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sbi elite
hdfc regalia
citi rewards
hsbc platinum

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Deal Cadet
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akhild wrote:

sbi elite
hdfc regalia
citi rewards
hsbc platinum

Hdfc Regalia for Flights and Hotels via smartbuy would be worth Rs23K since you have 46000 points. For statement credit it would be worth only 8.6K.

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Deal Cadet
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watever wrote:

Hdfc Regalia for Flights and Hotels via smartbuy would be worth Rs23K since you have 46000 points. For statement credit it would be worth only 8.6K.

thanks

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Deal Cadet
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karanoshan wrote:

depends on card variants, for HDFC if regalia and above, flight booking is best

points value in regalia and regalis first towards flight ??????

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Deal Subedar
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Rs. 500 Amazon GV for 1700 points on Citi Rewards. So you have 5k worth AGC. They will send physical GC. So, keep your address updated. SBI elite: Check if they’ve AGCs too as SBI SimplyCLICK has.

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Deal Cadet
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statement credit for SBI elite card

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Deal Lieutenant
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sardasa wrote:

Rs. 500 Amazon GV for 1700 points on Citi Rewards. So you have 5k worth AGC. They will send physical GC. So, keep your address updated. SBI elite: Check if they’ve AGCs too as SBI SimplyCLICK has.

+1.
ask citibank for cashback they will adjust against your statement..

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Deal Subedar
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sardasa wrote:

Rs. 500 Amazon GV for 1700 points on Citi Rewards. So you have 5k worth AGC. They will send physical GC. So, keep your address updated. SBI elite: Check if they’ve AGCs too as SBI SimplyCLICK has.

For Citi Rewards card, if done cash credit, 1700 points will equal Rs 595, directly in card.

So for 17k points, op would get 6k cash. (exactly 17850 rp = 6247.5 rupees)

On a side note, if OP wants AGC, he can use this 6k to buy 6k worth AGC using Citi Rewards card, for which he would again get reward points.

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Deal Subedar
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@akhild In SBI Elite/Prime you can convert points to statement credit(4 points = 1 rs) directly but every time you convert SBI charges Rs 100+GST as redemption charge. So use this feature wisely.

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Deal Cadet
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Statement credit for sbi and citi. Book flight tickets n hotel from hdfc smartbuy portal and use points.
By the way how much time it took you to reach this level? Asking to suggest you a better card.

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Deal Cadet
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jambui wrote:

Statement credit for sbi and citi. Book flight tickets n hotel from hdfc smartbuy portal and use points.
By the way how much time it took you to reach this level? Asking to suggest you a better card.

2year

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Deal Cadet
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watever wrote:

Hdfc Regalia for Flights and Hotels via smartbuy would be worth Rs23K since you have 46000 points. For statement credit it would be worth only 8.6K.

For regalia first cards whats gud option

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Deal Cadet
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akhild wrote:

2year

You can change elite to simply save for same benefits or sbi vistara platinum if you enjoy airline benefits.
For movies(1+1 not like sbi elite) n better reward rate on citi upgrade to premier miles.

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