HDFC Regalia Credit Card
HDFC Regalia: judge the premium benefits against your spending and renewal cost.
By Ash · Issuer source linked 2 October 2026
Check the issuer’s current card terms, availability and eligibility criteria.
check
Regalia is no longer sourced for new applications. This review covers the legacy card held by existing customers, not Regalia Gold. 4 Reward Points per ₹200 on eligible retail spend. HDFC lists ₹0.50/RP for eligible flight/hotel bookings, up to ₹0.35 for products/vouchers and up to ₹0.15 for statement cashback; flight/hotel redemption is capped at 50,000 points per calendar month and grocery earning at 2,000 points/month. Fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded; EMI conversion reverses points. Points expire after two years, and HDFC says 365 days without card use can nullify them. Eligible purchases earn in ₹200 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 50,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 2,000 per month; insurance rewards are not included in this calculator. The displayed 1% base-equivalent rate assumes eligible SmartBuy flight/hotel redemption at ₹0.50 per Reward Point; reward points can cover at most 70% of eligible travel-booking value, and the balance is paid by card. Statement cashback is up to ₹0.15 per point (0.3% base equivalent) and products/vouchers up to ₹0.35. This is not a cash-equivalent value for every redemption. Grocery earning is capped at 2,000 points per calendar month and flight/hotel redemption at 50,000 points per calendar month. Welcome, renewal and annual-spend milestone points are excluded from the calculator.
For ₹10,000 of eligible dining spending in one modelled cycle, the estimate is ₹100 (1% after the modelled cap). Overall earning ceiling ₹25,000 equivalent per statement cycle; redemption ceilings are separate. This example excludes merchant offers, redemption fees, annual milestones and transaction-level rounding. Cap terms: Travel value assumes 1 RP = ₹0.50; statement cashback value is up to ₹0.15/RP. Eligible travel redemption covers at most 70% of booking value.
Cardholders who use the benefits listed below and can meet the applicable channel, merchant and spend requirements. Fee-waiver terms: ₹3L eligible spend in the card-anniversary year.
The annual fee outweighs the benefits you can actually use, or your main spending falls outside the eligible merchants or categories.
Eligible retail spending only, using ₹0.5/point travel redemption value, not statement cashback. Assumes individual transactions qualify for ₹200 earning blocks. Utility caps use a calendar month; the overall cap uses a statement cycle. The aggregate scenario assumes spending lies within both periods; it cannot track overlapping statements. Transaction remainders, redemption charges and booking co-payment requirements are not simulated.
4 Reward Points per ₹200 on eligible retail spend. HDFC lists ₹0.50/RP for eligible flight/hotel bookings, up to ₹0.35 for products/vouchers and up to ₹0.15 for statement cashback; flight/hotel redemption is capped at 50,000 points per calendar month and grocery earning at 2,000 points/month. Fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded; EMI conversion reverses points. Points expire after two years, and HDFC says 365 days without card use can nullify them. Eligible purchases earn in ₹200 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 50,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 2,000 per month; insurance rewards are not included in this calculator.
The displayed 1% base-equivalent rate assumes eligible SmartBuy flight/hotel redemption at ₹0.50 per Reward Point; reward points can cover at most 70% of eligible travel-booking value, and the balance is paid by card. Statement cashback is up to ₹0.15 per point (0.3% base equivalent) and products/vouchers up to ₹0.35. This is not a cash-equivalent value for every redemption. Grocery earning is capped at 2,000 points per calendar month and flight/hotel redemption at 50,000 points per calendar month. Welcome, renewal and annual-spend milestone points are excluded from the calculator.
PROS
- Travel-point redemption value is higher than statement cashback
- Quarterly lounge vouchers available when spend condition is met
- ₹2,500 renewal fee can be waived at ₹3L anniversary-year spend
CONS
- HDFC says new sourcing has been discontinued
- Lounge access is spend-conditional, not 18 guaranteed visits
- 3.5% foreign-currency markup
- Fuel, rent/property-management and government transactions do not earn Reward Points
- Grocery and travel-redemption limits apply
- Published earn rules: 4 Reward Points per ₹200 on eligible retail spend. HDFC lists ₹0.50/RP for eligible flight/hotel bookings, up to ₹0.35 for products/vouchers and up to ₹0.15 for statement cashback; flight/hotel redemption is capped at 50,000 points per calendar month and grocery earning at 2,000 points/month. Fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded; EMI conversion reverses points. Points expire after two years, and HDFC says 365 days without card use can nullify them. Eligible purchases earn in ₹200 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 50,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 2,000 per month; insurance rewards are not included in this calculator.
- Redemption choice: Regalia is no longer sourced for new applications. This review covers the legacy card held by existing customers, not Regalia Gold. 4 Reward Points per ₹200 on eligible retail spend. HDFC lists ₹0.50/RP for eligible flight/hotel bookings, up to ₹0.35 for products/vouchers and up to ₹0.15 for statement cashback; flight/hotel redemption is capped at 50,000 points per calendar month and grocery earning at 2,000 points/month. Fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded; EMI conversion reverses points. Points expire after two years, and HDFC says 365 days without card use can nullify them. Eligible purchases earn in ₹200 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 50,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 2,000 per month; insurance rewards are not included in this calculator. The displayed 1% base-equivalent rate assumes eligible SmartBuy flight/hotel redemption at ₹0.50 per Reward Point; reward points can cover at most 70% of eligible travel-booking value, and the balance is paid by card. Statement cashback is up to ₹0.15 per point (0.3% base equivalent) and products/vouchers up to ₹0.35. This is not a cash-equivalent value for every redemption. Grocery earning is capped at 2,000 points per calendar month and flight/hotel redemption at 50,000 points per calendar month. Welcome, renewal and annual-spend milestone points are excluded from the calculator.
- Renewal decision: Listed annual fee: ₹2,500 before applicable tax. ₹3L eligible spend in the card-anniversary year. Compare this cost with rewards you can redeem; a fee waiver is not itself a reward.
HDFC says new sourcing has been discontinued. Lounge access is spend-conditional, not 18 guaranteed visits. 3.5% foreign-currency markup. Fuel, rent/property-management and government transactions do not earn Reward Points. Grocery and travel-redemption limits apply
How does HDFC Regalia earn rewards?
4 Reward Points per ₹200 on eligible retail spend. HDFC lists ₹0.50/RP for eligible flight/hotel bookings, up to ₹0.35 for products/vouchers and up to ₹0.15 for statement cashback; flight/hotel redemption is capped at 50,000 points per calendar month and grocery earning at 2,000 points/month. Fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded; EMI conversion reverses points. Points expire after two years, and HDFC says 365 days without card use can nullify them. Eligible purchases earn in ₹200 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 50,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 2,000 per month; insurance rewards are not included in this calculator.
Are points and cashback the same?
Regalia is no longer sourced for new applications. This review covers the legacy card held by existing customers, not Regalia Gold. 4 Reward Points per ₹200 on eligible retail spend. HDFC lists ₹0.50/RP for eligible flight/hotel bookings, up to ₹0.35 for products/vouchers and up to ₹0.15 for statement cashback; flight/hotel redemption is capped at 50,000 points per calendar month and grocery earning at 2,000 points/month. Fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded; EMI conversion reverses points. Points expire after two years, and HDFC says 365 days without card use can nullify them. Eligible purchases earn in ₹200 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 50,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 2,000 per month; insurance rewards are not included in this calculator. The displayed 1% base-equivalent rate assumes eligible SmartBuy flight/hotel redemption at ₹0.50 per Reward Point; reward points can cover at most 70% of eligible travel-booking value, and the balance is paid by card. Statement cashback is up to ₹0.15 per point (0.3% base equivalent) and products/vouchers up to ₹0.35. This is not a cash-equivalent value for every redemption. Grocery earning is capped at 2,000 points per calendar month and flight/hotel redemption at 50,000 points per calendar month. Welcome, renewal and annual-spend milestone points are excluded from the calculator.
What should I compare before renewing?
The published fee, applicable tax, waiver conditions and the benefits you use. ₹3L eligible spend in the card-anniversary year. Exclude unused vouchers and promotional offers from your baseline.
September 2026 consumer-card MITC: utilities above ₹50,000 in a calendar month attract a 1% fee on the full eligible monthly total (maximum ₹4,999 before GST), not just the excess. Fuel purchases above ₹15,000 attract 1% on the full transaction, capped at ₹4,999 before GST. INR payments at overseas/internationally registered merchants attract 1.75% DCC markup. These charges and applicable GST are not deducted from gross reward estimates; a fuel-surcharge waiver does not waive the separate high-value fuel charge. Issuer transaction charges