HDFC Regalia vs HDFC Infinia Metal Edition

HDFC Regalia

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.

• default: 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.

HDFC Infinia Metal Edition

5 Reward Points/₹150 eligible retail spend, including insurance, utilities and education; fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded, and EMI conversion reverses points. 1 RP = ₹1 on eligible flights/hotels (3.33% base equivalent) or ₹0.30 statement cashback (1% base equivalent). Travel/airmiles redemptions cap at 1.5L points/calendar month; statement cashback at 50,000 points/calendar month; total redemption at 2L points/statement cycle. Flight/hotel, Apple and Tanishq redemption requires card co-payment under the issuer terms. Eligible purchases earn in ₹150 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 2,00,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 10,000 per month; insurance rewards are not included in this calculator.

Travel redemption value assumes ₹1/point on the eligible bank portal, covering at most 70% of flight/hotel booking value; the remainder is paid with the card. Flight/hotel redemption is limited to 150,000 points/calendar month. Catalogue and cashback request processing fees are waived for this variant under September 2026 MITC. Points normally expire after three years; 365 days without card use can forfeit the balance.

• default: Eligible retail spending only, using ₹1/point travel redemption value, not statement cashback. Assumes individual transactions qualify for ₹150 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.