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HDFC Infinia — ₹0.65/ptAxis Magnus — ₹0.55/ptAmex Platinum — ₹0.70/ptHDFC Diners Black — ₹0.62/ptAmex MRCC — ₹0.68/ptAmazon Gift Card — 88% valueFlipkart Gift Card — 85% valueMakeMyTrip Voucher — 88% valueEmirates Skywards — Award booking availableAir India — Award booking availableBritish Airways Avios — Award booking availableSBI Elite — ₹0.35/ptHDFC Infinia — ₹0.65/ptAxis Magnus — ₹0.55/ptAmex Platinum — ₹0.70/pt

Credit Card Reward Points

Sell Credit Card Reward Points with a Smarter, Guided Process

Q: What does Cashard help with for credit card reward points?

Cashard provides guided review and value recovery for eligible credit card reward point programmes. We help eligible users understand their redemption options, evaluate the best path for their balance, and complete a transparent review process — covering programmes from HDFC, Axis, SBI, ICICI, Amex, HSBC, and others.

Q: Which credit card reward programmes are supported?

Cashard currently reviews programmes from HDFC Bank (Infinia, Diners Black, Regalia), Axis Bank (Magnus, Atlas), American Express (Membership Rewards), SBI Card (Elite, Prime), HSBC (TravelOne, Premier), and select other issuers. Each programme is evaluated individually — eligibility and rates vary. See our supported programmes list for the current view.

Q: How do I know if my points are eligible?

Eligibility depends on your specific card programme, the current balance, and your redemption history. The fastest way to check is to submit a quote request — our support team reviews your details and provides a personalised assessment typically within 24 hours.

Q: Can unused reward points lose value over time?

Yes. Most bank reward points expire 2–3 years after they are earned or after a period of account inactivity. Additionally, redemption rate changes and catalogue devaluations reduce the practical purchasing power of points. Acting before expiry protects your balance.

Q: What details do I need to submit a review request?

You'll need to share your card programme name, the estimated points balance, your name, and a contact number or email. No banking credentials, PINs, CVVs, or account passwords are ever required. A screenshot of your rewards portal balance may be requested during verification.

Q: How long does the review process take?

Most initial quote responses are returned within 24 hours of a complete submission. Verification and confirmation steps follow based on the specific programme. Our team provides updates at each stage via WhatsApp or email.

Q: Is verification required?

Yes. To protect all parties, Cashard conducts a secure KYC-based identity verification before any value recovery transaction is confirmed. This is a standard part of our escrow-protected process and ensures a safe experience for every user.

Q: Can I also enquire about airline miles or gift cards?

Yes. While this page covers credit card reward points, Cashard also provides award booking concierge for airline miles and value recovery guidance for selected gift cards and vouchers. Visit our Airline Miles hub or Gift Cards hub to explore.

Q: How do I reach the Cashard team?

The fastest route is WhatsApp — click here to start a conversation. You can also use the quote form on this page or email our support team directly. We respond 7 days a week.

Millions of reward points sit idle, lose value, or expire before they're used effectively. Cashard provides a transparent, guided review process for eligible credit card reward balances — from India's top banks and card programmes.

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Escrow Protected

2,840+ Users Served

4.9 / 5 Rating

Instant online submission

2,840+

Users served

4.9/5

Satisfaction

40+

Programmes

<24h

First response

Indicative value range per point

₹0.25 standard ₹1.20+ super-premium

No PIN, CVV, or account credentials — ever

Escrow-protected for eligible transactions

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Points—

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StatusReceived · under review

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Which credit card programme are you selling?

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We never request PINs, CVVs, or account passwords. Contact details are used solely to process this request.

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Indicative Value Engine

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INR Estimates in Indian Rupees

No PIN/CVV 24 hr response Escrow protected Human support

Guided Review

Secure Verification

40+ Programmes

Transparent Process

Fast Response

Premium Support

Supported Programmes

Credit Card Programmes We Review

Cashard currently provides guided review for reward balances across these leading Indian and international card programmes. Programme availability and rates are evaluated individually.

HDFC Infinia

HDFC Bank · Super Premium

HDFC's flagship super premium card offering exceptional reward points on travel and dining through SmartBuy.

HDFC Diners Club Black

HDFC Bank · Premium

A premium lifestyle card with access to Diners Club worldwide network and strong airline transfer ratios.

HDFC Regalia Gold

HDFC Bank · Premium

The golden standard of rewards with excellent benefits on flights, hotels and milestone achievements.

HDFC Millennia

HDFC Bank · Mid-tier

Axis Magnus

Axis Bank · Super Premium

Highly coveted super premium card offering unparalleled EDGE Reward Points on lifestyle spends.

Axis Atlas

Axis Bank · Premium Travel

Designed specifically for travellers. EDGE Miles transfer directly to KrisFlyer, InterMiles and more.

Axis Reserve

Axis Bank · Ultra Premium

The pinnacle of Axis Bank's credit card portfolio, offering luxury travel and golf benefits.

Axis Burgundy Private

Axis Bank · Ultra Premium

Exclusive by-invitation card for Burgundy Private clients with exceptional reward multiplication.

Axis Vistara Infinite

Axis Bank · Premium Travel

Co-branded premium card offering complimentary Club Vistara Gold tier and business class tickets.

SBI Elite

SBI Card · Premium

SBI's flagship Elite card offering complimentary movie tickets, lounge access, and milestone rewards.

SBI Prime

SBI Card · Premium

Strong reward accumulation on utility bills and dining, making it a great everyday premium card.

SBI Aurum

SBI Card · Super Premium

SBI's most exclusive by-invitation super premium card with bespoke luxury lifestyle privileges.

SBI Cashback

SBI Card · Mid-tier

One of the most straightforward and powerful cashback cards in India for all online spends.

ICICI Emeralde

ICICI Bank · Super Premium

ICICI's top-tier card offering unlimited lounge access, low markup fees, and golf privileges.

ICICI Sapphiro

ICICI Bank · Premium

A premium travel and lifestyle card offering excellent rewards across dual network variants.

ICICI Rubyx

ICICI Bank · Mid-tier

India's first dual platinum credit card offering customized reward plans for lifestyle and travel.

ICICI Amazon Pay

ICICI Bank · Entry

Amex Platinum Charge

American Express · Super Premium

The ultimate status card offering elite hotel status, global lounge collection, and 5x MR points.

Amex Platinum Travel

American Express · Premium Travel

Exceptional milestone benefits specifically tailored for domestic and international travellers.

Amex Gold Charge

American Express · Premium

The iconic Gold card offering multiplied Membership Rewards on daily essential and lifestyle spends.

Amex Membership Rewards

American Express · Premium

Flexible entry to the Amex ecosystem with strong monthly milestone bonuses for active users.

HSBC Premier

HSBC India · Premium

Balances cashback and travel redemption. SmartValue portal gives multiple paths to extract value.

HSBC TravelOne

HSBC India · Premium Travel

Designed for high-frequency international travellers with instantaneous flight and hotel transfers.

IDFC First Wealth

IDFC First Bank · Premium

Lifetime free premium card offering phenomenal reward multipliers and low forex markup.

Standard Chartered Ultimate

Standard Chartered · Super Premium

A flat-rate powerhouse offering one of the highest base reward rates across all spend categories.

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User Insights

Why Users Look for Better Value from Reward Points

Reward points accumulate quietly. Most users eventually face one of these situations — and that's when Cashard's guided process becomes valuable.

Balances Sitting Idle

Large reward balances often go unused for months or years. After a point, the effort of redeeming through official routes feels high relative to value received — but the alternative is watching them expire.

Standard Redemptions Underperform

Bank merchandise catalogues and statement credit routes frequently return ₹0.20–0.30 per point. Users with large balances on super-premium cards recognise that their points are worth meaningfully more through the right path.

Points Nearing Expiry

Most Indian bank reward programmes expire points 2–3 years after earning or after a period of account inactivity. Cashard helps eligible users act before that window closes.

Premium Card, Limited Time

High-spending professionals who hold Infinia, Magnus, or Amex Platinum cards often accumulate significant balances but lack the time or expertise to optimise every redemption decision on their own.

Comparing Redemption Paths

Airline transfers, travel portals, SmartBuy, and value recovery — the options are numerous. Cashard helps users understand their specific programme and make an informed choice without the guesswork.

No Clear Guidance Available

Official bank channels focus on getting you to redeem in their catalogue. Cashard exists to provide independent, unbiased guidance covering all available paths for your specific programme and balance.

Why Cashard

What Makes Cashard Different

Not a rates board. Not a broker network. Cashard is a premium guided service built for users who expect more than a generic comparison tool.

Programme-Specific Guidance

Every card programme is different. Cashard reviews your specific programme — HDFC, Axis, Amex, SBI, or others — and provides guidance tailored to that programme's terms and current value paths.

No Credentials Required

We never ask for your card PIN, CVV, OTP, or banking password. The review process uses a screenshot of your rewards portal balance. Your account remains fully in your control.

Escrow-Protected Transactions

For eligible value recovery transactions, Cashard operates an escrow-protection model. Funds are held securely until both parties complete the process. Your safety is built into every step.

Transparent Communication

You receive a clear quote before any commitment. No hidden deductions, no surprise fees. The rate you agree on is the value you receive. Any platform spread is disclosed upfront.

Premium Human Support

Our support team is available via WhatsApp and email 7 days a week. You deal with real people who understand reward programmes — not automated chatbots or call centre scripts.

Trusted by 2,840+ Users

Cashard has facilitated value recovery for over 2,840 users across India, maintaining a 4.9/5 satisfaction rating. We've helped recover value from HDFC, Axis, Amex, and many other programmes.

The Process

How the Cashard Review Works

A clean, structured, five-step process — from first enquiry to completion.

Submit Your Details

Share your card programme name, estimated balance, and contact information. No credentials required.

Eligibility Review

Our team assesses your programme and balance against our current review criteria. You'll receive a response within 24 hours.

Quote & Value Path

A personalised quote is presented, including the value offered and the recommended path. You review and decide — no pressure.

Secure Verification

KYC verification and balance confirmation via your rewards portal screenshot. Escrow is activated for eligible transactions.

Completion

Value released via UPI or bank transfer once the process is confirmed. Support team available throughout.

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Reward Intelligence

Why Credit Card Reward Points Often Lose Value

Understanding how reward point value erodes helps you act at the right time — before the best options close.

Bank Catalogue Redemptions Return Minimal Value

Most bank reward catalogues — merchandise, appliances, e-vouchers — price redemptions at ₹0.20 to ₹0.30 per point. For a 1,00,000 point balance, that's ₹20,000–₹30,000. The same balance may recover significantly more through the right guided path.

Expiry Windows Are Shorter Than Most Users Realise

HDFC reward points expire 2–3 years after the anniversary month they were earned. Axis Edge Miles expire after 3 years. Amex MR points don't expire while the card is active — but cancellation or inactivity resets the clock. Checking your balance and expiry date early gives you the most options.

Programme Devaluations Reduce Purchasing Power

Banks periodically revise the redemption rates in their catalogues or change transfer ratios. Points that redeemed for ₹0.35 per point last year may only offer ₹0.28 under the revised terms. Devaluation silently reduces the real value of accumulated balances.

The Best Value Paths Require Expertise and Time

Transferring points to airline partners and booking premium cabin award flights can unlock ₹1.00–₹2.00+ per point in equivalent value. But finding award availability, understanding partner routing rules, and completing the redemption correctly requires significant knowledge and time investment.

Programme Guides

Detailed Guides for Top Programmes

Each programme has its own dedicated page covering redemption paths, transfer partners, value ranges, and the Cashard review process.

Who This Is For

Is Cashard Right for You?

Cashard's review process is designed specifically for users in these situations. If any of these describe you, a quote request is the right next step.

💳

Super-Premium Cardholders

If you hold HDFC Infinia, Axis Magnus, Amex Platinum, or a similar super-premium card, your reward points carry above-average value. A guided review helps ensure you access the full potential of your accumulated balance.

📈

High-Spending Professionals

Corporate spenders, frequent travellers, and high-income users who accrue points quickly often carry large balances that standard redemption simply doesn't handle well. Cashard is built for this segment.

🕐

Users with Approaching Expiry

If your points are set to expire in the next 6–18 months, a guided review allows you to explore your options now — while the value is intact and before the window closes.

🔍

Users Comparing Their Options

Not sure whether to transfer to an airline, redeem via the bank catalogue, or explore value recovery? Cashard provides independent, programme-specific guidance to help you make an informed decision.

FAQ

Frequently Asked Questions

Everything you need to know about Cashard's credit card reward points review process.

What does Cashard help with for credit card reward points?

Cashard provides guided review and value recovery for eligible credit card reward point programmes. We help eligible users understand their redemption options, evaluate the best path for their balance, and complete a transparent review process — covering programmes from HDFC, Axis, SBI, ICICI, Amex, HSBC, and others.

Which credit card reward programmes are supported?

Cashard currently reviews programmes from HDFC Bank (Infinia, Diners Black, Regalia), Axis Bank (Magnus, Atlas), American Express (Membership Rewards), SBI Card (Elite, Prime), HSBC (TravelOne, Premier), and select other issuers. Each programme is evaluated individually — eligibility and rates vary. See our supported programmes list for the current view.

How do I know if my points are eligible?

Eligibility depends on your specific card programme, the current balance, and your redemption history. The fastest way to check is to submit a quote request — our support team reviews your details and provides a personalised assessment typically within 24 hours.

Can unused reward points lose value over time?

Yes. Most bank reward points expire 2–3 years after they are earned or after a period of account inactivity. Additionally, redemption rate changes and catalogue devaluations reduce the practical purchasing power of points. Acting before expiry protects your balance.

What details do I need to submit a review request?

You'll need to share your card programme name, the estimated points balance, your name, and a contact number or email. No banking credentials, PINs, CVVs, or account passwords are ever required. A screenshot of your rewards portal balance may be requested during verification.

How long does the review process take?

Most initial quote responses are returned within 24 hours of a complete submission. Verification and confirmation steps follow based on the specific programme. Our team provides updates at each stage via WhatsApp or email.

Is verification required?

Yes. To protect all parties, Cashard conducts a secure KYC-based identity verification before any value recovery transaction is confirmed. This is a standard part of our escrow-protected process and ensures a safe experience for every user.

Can I also enquire about airline miles or gift cards?

Yes. While this page covers credit card reward points, Cashard also provides award booking concierge for airline miles and value recovery guidance for selected gift cards and vouchers. Visit our Airline Miles hub or Gift Cards hub to explore.

How do I reach the Cashard team?

The fastest route is WhatsApp — click here to start a conversation. You can also use the quote form on this page or email our support team directly. We respond 7 days a week.