Divya Delhi: New HDFC Credit Card Reward Points Rules.HDFC Bank changed their credit card reward program. The amended rules took effect. The bank also emailed affected clients with this news. HDFC Bank limits Smartbuy reward points to one Apple product per quarter. The SmartBuy portal will limit Tanishq gift card redemptions to 50,000 Reward Points per quarter. Importantly, only Infinia and Infinia Metal Cards are affected by these modifications. “On the HDFC Bank SmartBuy portal, the redemption of Reward Points for Apple Products is capped at one product per calendar quarter, effective. ” the bank's website states.