HDFC Bank Regalia Gold Credit Card
5 points/₹200 eligible retail, valued for SmartBuy flights and hotels.
Try your spend →How this estimate works
HDFC Regalia Gold earns 5 reward points per ₹200 of eligible retail spend, with a 50,000-point statement-cycle cap and a 2,000-point monthly grocery cap. HDFC states that points redeem at ₹0.50 each toward flights or hotels on SmartBuy, up to 70% of booking value. This one-year estimate assumes one eligible purchase of the entered amount each month and enough future eligible bookings to use the points. It deducts one ₹99 plus estimated GST reward-redemption charge from annual points and a ₹2,500 joining fee plus estimated GST separately. It does not count select-brand 5X earn, welcome voucher, lounges, milestone vouchers or the ₹4 lakh preceding-year renewal-fee waiver. Fuel, rent, government, EasyEMI and wallet loads do not earn points. HDFC displays conflicting ₹0.15 and ₹0.20 statement-credit values on this product page, so this model uses only the separately documented ₹0.50 travel route. Travel booking prices and ability to use points affect realized value; this is not a cash return.
Issuer terms
Issuer card, earn and redemption · Issuer published fees
Terms checked 29 September 2026. SmartBuy travel redemption, 70% booking limit and fee apply.