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HDFC Bank · Mid

HDFC Regalia Gold

Earns HDFC Reward Points (Regalia tier)
Where it ranks across all 187 cards
#6 Fashion 6.3% at Myntra direct #14 Insurance 1.3% direct #17 Utility bills 1.3% direct
#25 Jewellery & watches 1.3% direct #26 Mobile / broadband 1.3% direct #33 Train tickets 1.3% direct #35 Other 1.3% direct #39 Health & pharmacy 1.3% direct #40 Cabs & transit 1.3% direct #43 Electronics 1.3% direct #46 Flights 1.3% direct portal reaches 6.3% #47 Hotels 1.3% direct portal reaches 12.5% #49 Dining out 1.3% direct #53 Groceries 1.3% direct #53 Food delivery 1.3% direct #55 Online shopping 1.3% direct #55 Movies & events 1.3% direct
1 May 2026
Base rate cut 1.33%→1.25%. Lounge now needs ₹60K/quarter.
Get an email if this card changes - sign in.
Partner transfers - best: Accor ALL (Live Limitless) at 3:1
₹0.70-₹0.77/pt · ceiling 1.92% at premium-cabin redemptions - never used to rank
1.75%
Engine value - conservative, what rankings use
₹0.5/pt
1.25%
Bank travel portal
₹0.5/pt
1.25%
Vouchers / catalogue
₹0.35/pt
0.87%
Statement credit
₹0.2/pt
0.50%
SmartBuy travel ₹0.5/pt (bank page); 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 rules2 direct
Base rate - everything not covered below
1.25%base rate
5 pts / ₹200
source
Source: HDFC Regalia Gold MITC - hdfcbank.com - read 20 Aug 2026
5X partner merchants (Myntra/Nykaa/Reliance Digital)
6.25%this rule
25 pts / ₹200
source
Source: HDFC Regalia Gold T&C - hdfcbank.com - read 20 Aug 2026
Base rate, but capped4
Utilities: base rate capped 2,000 pts/month
base rate
2,000 pts/calendar month
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
2,000 pts/calendar month
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
2,000 pts/month
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
2,000 pts/month
source
Source: Regalia Gold 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 group cap shared (+2,000/day; SB table never names Regalia Gold - group value assumed)
source & note
SmartBuy bonus points capped ~5,000 RP/month for Regalia tier (portal-stated; confirm in SmartBuy).
Source: HDFC SmartBuy travel (smartbuy.hdfc.bank.in) - offers.smartbuy.hdfc.bank.in - read 20 Aug 2026
6.3%
SmartBuy hotels 10X
via smartbuy · shares the 4,000 RP/month SmartBuy group 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 20 Aug 2026
12.5%
SmartBuy gift vouchers 5X
voucher route via smartbuy · 3,000 RP/month voucher sub-cap (inside the group cap)
source & note
Gyftr lists Regalia/Regalia Gold at up to 5X with a 4,000-pt monthly voucher cap (₹2,000 at RG’s ₹0.5/pt).
Source: HDFC SmartBuy master T&C, Sep 2026 (Brand Vouchers row; pt 14 excludes InstaDeals) - offers.smartbuy.hdfc.bank.in - read 24 Sep 2026
6.3%
Amazon Pay gift card: Insta Deal, base RP only
voucher route via smartbuy
source & note
GyFTR sells the Amazon Pay gift card (listed as plain "Amazon") ONLY as an Insta Deal: 1% instant discount + base Reward Points (1X), never the accelerated 5X/3X (master SmartBuy T&C point 14: InstaDeals not eligible for accelerated earn). Amazon Fresh and Amazon Prime offer BOTH tabs and the Accelerated one pays more, so they stay on the accelerated voucher rule; the Amazon Shopping Voucher is Accelerated only. Checked per brand on GyFTR 24 Sep 2026.
Source: GyFTR Amazon Pay Gift Voucher on HDFC SmartBuy - Insta Deal only, 1% + 1X RP - gyftr.com - read 24 Sep 2026
1.3%
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.
₹1,50,000 / quarter
₹1,500 Myntra/Nykaa vouchers per ₹1.5L quarter
₹1,500estimated value
₹5,00,000 / year
₹5,000 flight vouchers at ₹5L
₹5,000estimated value
₹7,50,000 / year
+₹5,000 flight vouchers at ₹7.5L
₹5,000estimated value
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 Gold 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 Gold 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 Gold 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 Gold 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.
Swiggy One
Complimentary Swiggy One membership on ₹1 lakh spent in the first 90 days
Source: HDFC Bank - Regalia Gold Credit Card - hdfc.bank.in - read 11 Oct 2026
MMT Black Gold
Complimentary MakeMyTrip Black Gold membership on ₹1 lakh spent in the first 90 days
Source: HDFC Bank - Regalia Gold Credit Card - hdfc.bank.in - read 11 Oct 2026
DreamFolks Boarding Edge programme
Any 2 of complimentary spa, buffet, hotel room upgrade or airport transfer per calendar quarter by uploading a boarding pass on SmartBuy
Source: HDFC Bank - Regalia Gold Credit Card - hdfc.bank.in - read 11 Oct 2026
Airport lounges
3 domestic lounge visits a quarter on ₹60,000 spent in the previous quarter, plus 6 complimentary international lounge visits a year via Priority Pass
Source: HDFC Bank - Regalia Gold Credit Card - hdfc.bank.in - read 11 Oct 2026
Swiggy Dineout
Up to 10% off at partner restaurants via Swiggy Dineout's Good Food Trail programme
Source: HDFC Bank - Regalia Gold Credit Card - hdfc.bank.in - read 11 Oct 2026
10%discount
HDFC card insurance
Accidental air death cover of ₹1 crore and emergency overseas hospitalisation cover of ₹15 lakh
Source: HDFC Bank - Regalia Gold Credit Card - hdfc.bank.in - read 11 Oct 2026
Rent
HDFC rent fee 1% + GST (capped ₹4,999 per transaction)
1%
🎟️ SmartBuy voucher laddering - buy your shopping money at 5X
Buy Amazon Shopping / Flipkart / Croma vouchers on SmartBuy at 5X points first, then shop with the vouchers. You earn accelerated points on spends that would otherwise earn base rate. Not the Amazon Pay gift card (GyFTR lists it as plain "Amazon"): it is an Insta Deal only - 1% off, base points. Amazon Fresh and Prime offer both; pick the Accelerated Rewards tab.
Infinia: bonus (20/₹150) sub-capped at 3,000 pts/month → full 5X on the first ₹22,500 of vouchers = 16.7% at ₹1/pt, base 3.3% beyond. Regalia Gold: 6.7% on ~₹28,000. Diners Black is now only 3X (10%) - a printed asymmetry where Regalia beats DCB on vouchers.
📚 School fees direct, never via apps - the education split HDFC prints
HDFC kills education points ONLY when paid through third-party apps (CRED, Cheq, MobiKwik). The school or college website / POS earns full points - the bank prints this distinction.
₹2,00,000/year tuition on Infinia direct → 6,666 pts → ₹6,666 at ₹1/pt vs ₹0 minus ₹2,000 fee via an app: a ₹8,666 swing.
🏨 SmartBuy hotels 10X - the number one play in India right now
Hotels booked through SmartBuy earn 10X - on Infinia that is 33% back at ₹1/pt, printed in the portal T&C with worked examples. Flights earn 5X (16.7%). This survived the Jul 2026 voucher nerf untouched.
Infinia: ₹50,000 hotel → ~15,000 pts → ₹15,000 at ₹1/pt = 33.3% (the bank T&C itself shows this example). Regalia Gold: 13.3% at ₹0.5/pt, cap exhausts near ₹16,700.
📱 iPhone at 5X via Apple Imagine Tresor on SmartBuy
Apple products bought through the SmartBuy Apple Imagine Tresor tab earn 5X - and it is a SEPARATE category from vouchers, so the 3,000-pt voucher sub-cap does not apply. Diners Black gets only 3X here.
iPhone ₹89,900 on Infinia → ~14,980 pts ≈ ₹14,980 at ₹1/pt = 16.7% back, fitting inside the 15,000 monthly cap.
💊 The niche 10X aisles: Pharmeasy, IGP, Jockey - 33% on medicines
The SmartBuy matrix quietly lists 10X on Pharmeasy, IGP.com and Jockey for ALL tiers - on Infinia that is 33% back on medicines, one of the strangest printed sweet spots in the market.
₹3,000/month of medicines on Infinia → 1,000 pts → ₹1,000 = 33%; ₹12,000/year of value from a chronic-prescription household.
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
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