HDFC Bank · Mid
HDFC Regalia
Earns HDFC Reward Points (Regalia tier)
Where it ranks across all 187 cards
#19 Insurance
1.0%
direct
#23 Utility bills
1.0%
direct
#31 Jewellery & watches
1.0%
direct
#38 Mobile / broadband
1.0%
direct
#42 Train tickets
1.0%
direct
#46 Other
1.0%
direct
#48 Cabs & transit
1.0%
direct
#50 Health & pharmacy
1.0%
direct
#54 Electronics
1.0%
direct
#61 Hotels
1.0%
direct
portal reaches 10.0%
#63 Flights
1.0%
direct
portal reaches 5.0%
#65 Fashion
1.0%
direct
#66 Online shopping
1.0%
direct
#66 Groceries
1.0%
direct
#67 Food delivery
1.0%
direct
#67 Movies & events
1.0%
direct
#68 Dining out
1.0%
direct
Get an email if this card changes - sign in.
SmartBuy travel ₹0.5/pt (bank calculator); vouchers ₹0.35; cashback ₹0.2
Points valued at ₹0.5/pt - conservative, what rankings use · transfers reach up to ₹0.77/pt via Accor ALL (Live Limitless) at 3:1
Reward rules1 direct
Base rate - everything not covered below
1.00%base rate
4 pts / ₹200
source
Source: HDFC Regalia calculator (v.hdfc.bank.in) - v.hdfc.bank.in - read 21 Aug 2026
Base rate, but capped4
Utilities: base rate capped 2,000 pts/month
base rate
source
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Telecom: base rate capped 2,000 pts/month
base rate
source
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Grocery: base rate capped 2,000 pts/month
base rate
source
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Insurance: base rate capped 2,000 pts/month
base rate
source
Source: Regalia Rewards Program T&C (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Via portals & vouchersdisplay, never ranks
SmartBuy flights 5X
via smartbuy · 4,000 RP/month SmartBuy shared cap (+2,000/day)
source & note
SmartBuy bonus points capped ~5,000 RP/month for Regalia tier (portal-stated; confirm in SmartBuy).
Source: HDFC Regalia calculator (v.hdfc.bank.in) - v.hdfc.bank.in - read 21 Aug 2026
5.0%
SmartBuy hotels 10X
via smartbuy · shares the 4,000 RP/month SmartBuy cap
source & note
Shares the Regalia-tier SmartBuy monthly bonus cap.
Source: HDFC SmartBuy travel (smartbuy.hdfc.bank.in) - offers.smartbuy.hdfc.bank.in - read 21 Aug 2026
10.0%
SmartBuy gift vouchers
voucher route via smartbuy · 3,000 RP/month voucher sub-cap
source & note
Voucher bonus capped 4,000 pts/month (₹2,000 at ₹0.5/pt).
Source: HDFC SmartBuy Gyftr (Aug 2026) - gyftr.com - read 21 Aug 2026
5.0%
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
What 10,000 points become. The low end of each range ranks; the high end is display only.
Accor ALL (Live Limitless)
3:1 ratio · 2:1 stated in the bank Rewards Program T&C (eff. Jan 2024).
3,333 ptsworth ₹6,999-₹7,666
Singapore Airlines KrisFlyer
2:1 ratio · Portal-gated: verify in SmartBuy before transferring.
5,000 ptsworth ₹4,000-₹12,500
Air France-KLM Flying Blue
2:1 ratio · Portal-gated: verify in SmartBuy before transferring.
5,000 ptsworth ₹3,500-₹10,000
Finnair Plus (Avios)
2:1 ratio · Portal-gated: verify in SmartBuy before transferring.
5,000 ptsworth ₹3,500-₹9,000
Club ITC
3:1 ratio · Portal-gated: verify in SmartBuy before transferring.
3,333 ptsworth ₹3,000-₹3,666
Air Canada Aeroplan
3:1 ratio · Portal-gated: verify in SmartBuy before transferring.
3,333 ptsworth ₹2,666-₹7,333
Wyndham Rewards
2:1 ratio · Portal-gated: verify in SmartBuy before transferring.
5,000 ptsworth ₹2,500-₹3,500
British Airways Executive Club (Avios)
3:1 ratio · Portal-gated: verify in SmartBuy before transferring.
3,333 ptsworth ₹2,333-₹5,999
Regalia-level cards transfer at about half the Infinia rate: 2:1 to the better partners, 3:1 to the rest. Capped at 1,50,000 points a month on SmartBuy. The partner list is inside SmartBuy after you log in - check it there.
Earns nothing on7 exclusions
Fuel
earns nothing
Fuel earns 0 points (surcharge waiver only).
→ use IndianOil RBL XTra here (7.5%)
detail & source
HDFC publishes NO exclusion MCC codes - categories only (MITC + card rewards T&C).
categories: Fuel
Source: Regalia Rewards Program T&C (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Rent
earns nothing
Rent and property-management payments earn 0 points (w.e.f.
→ use Axis Burgundy Private here (4.2%)
detail & source
1 Jan 2023).
categories: Rent
Source: Regalia Rewards Program T&C (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government transactions earn 0 points (w.e.f.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
1 Jan 2023).
categories: Government / tax
Source: Regalia Rewards Program T&C (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loading earns nothing; accrued points reversed.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Education
earns nothing
Education via third-party apps (CRED, Cheq, MobiKwik etc) earns nothing since 1 Sep 2024; paying the school/college directly DOES earn.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education
Source: Regalia Rewards Program T&C (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Gaming
earns nothing
Online skill-based gaming earns nothing (w.e.f.
→ use FIRST Private here (6.6%)
detail & source
1 Jul 2025).
categories: Gaming
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
EMI
earns nothing
EasyEMI/SmartEMI excluded; points reversed on EMI conversion.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: HDFC MITC v4.6, Aug 2026 (bank PDF) - hdfc.bank.in - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.