Points & transfers
IRCTC HDFC Bank · HDFC Bank
Best use
₹1
a point on train tickets
What a point is worth
One point, spent on each route.
via SmartBuy
Limits
Caps that decide whether the best route is open to you.
Read from HDFC Bank's published documents and checked line by line. Ratios and caps change; confirm on the issuer's rewards portal before moving points. A transfer usually cannot be undone.