HDFC Bank Doctor's Regalia Credit Card
4 points/₹150 eligible retail, valued for SmartBuy flights and hotels.
Try your spend →How this estimate works
The Doctor’s Regalia card page lists 4 reward points per ₹150 of eligible retail spend and values each at ₹0.50 for HDFC SmartBuy flights and hotels. HDFC Regalia reward terms cap earning at 50,000 points per statement cycle and grocery earn at 2,000 points per calendar month. They cap SmartBuy flight/hotel redemption at 50,000 points/calendar month; points can pay no more than 70% of a booking. This estimate assumes one qualifying purchase monthly, enough future travel to use points and ₹99 plus estimated GST for each needed redemption. It deducts the ₹2,500 joining fee plus estimated GST separately. Fuel, government, rent, EasyEMI and wallet loads are excluded; utilities are not projected because surcharge rules can change net return at high amounts. The Doctor’s Regalia page says rent can earn but newer Regalia terms say rent and government payments do not; the exclusion is conservative. Insurance points are capped at 2,000/month but insurance has no separate verified category chip here. Welcome 2,500 points, ₹5 lakh/₹8 lakh spending milestones, lounges and the ₹3 lakh preceding-year fee waiver are omitted. This is travel-use value, not cash.
Issuer terms
Issuer card, earn and redemption · Issuer joining/renewal fees · Issuer Regalia reward terms
Terms checked 29 September 2026. SmartBuy travel redemption, monthly cap, 70% booking limit and fee apply.