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HDFC Regalia

Mid

HDFC Bank

Where it ranks · across all 71 cards

#37 Online shopping1.0%direct#38 Groceries1.0%direct#37 Dining out1.0%direct

What a point is worth

Earning 4 pts / ₹200, the same point pays very differently by redemption path:

Redemption pathPer pointEffective on spends
Partner transfersbest: Accor ALL (Live Limitless) at 3:1 (ceiling 1.2%)₹0.53-₹0.601.07%
Bank travel portal₹0.51.00%
Vouchers / catalogue₹0.350.70%
Statement credit₹0.20.40%

SmartBuy travel ₹0.5/pt (bank calculator); vouchers ₹0.35; cashback ₹0.2. Rankings across KaunsaCard use a single conservative value (₹0.5/pt = 1.00%); transfer ceilings assume premium-cabin awards and are never used to rank.

Reward rules

Points valued at ₹0.5/pt - conservative, what rankings use · transfers reach up to ₹0.60/pt via Accor ALL (Live Limitless) at 3:1

Base rate - everything not covered below

4 pts / ₹200= 2 pts per ₹100

1.0-1.2%

value range by redemption

Base rate, but capped - these categories earn normally up to a monthly ceiling

  • Utilities: base rate capped 2,000 pts/month2,000 pts/calendar monthsrc ↗
  • Telecom: base rate capped 2,000 pts/month2,000 pts/calendar monthsrc ↗
  • Grocery: base rate capped 2,000 pts/month2,000 pts/monthsrc ↗
  • Insurance: base rate capped 2,000 pts/month2,000 pts/monthsrc ↗

Via portals & vouchers - alternate methods (display, never rank)

  • ✈ SmartBuy flights 5X5.0%
    via smartbuy4,000 RP/month SmartBuy shared cap (+2,000/day)src ↗

    SmartBuy bonus points capped ~5,000 RP/month for Regalia tier (portal-stated; confirm in SmartBuy).

  • ✈ SmartBuy hotels 10X10.0%
    via smartbuyshares the 4,000 RP/month SmartBuy capsrc ↗

    Shares the Regalia-tier SmartBuy monthly bonus cap.

  • 🎟 SmartBuy gift vouchers (capped Jul 2026)5.0%
    via smartbuy3,000 RP/month voucher sub-capsrc ↗

    Voucher bonus capped 4,000 pts/month (₹2,000 at ₹0.5/pt).

Transfer partners

HDFC Reward Points (Regalia tier) - what 10,000 points become. Full matrix with live amounts on the Transfers page.

PartnerRatio10,000 pts →≈ value
Accor ALL (Live Limitless)2:1 stated in the bank Rewards Program T&C (eff. Jan 2024).3:13,333₹5,333-₹5,999
Singapore Airlines KrisFlyerPortal-gated: verify in SmartBuy before transferring.2:15,000₹4,000-₹12,500
Air France-KLM Flying BluePortal-gated: verify in SmartBuy before transferring.2:15,000₹3,500-₹10,000
Finnair Plus (Avios)Portal-gated: verify in SmartBuy before transferring.2:15,000₹3,500-₹9,000
Club ITCPortal-gated: verify in SmartBuy before transferring.3:13,333₹3,000-₹3,666
Air Canada AeroplanPortal-gated: verify in SmartBuy before transferring.3:13,333₹2,666-₹7,333
Wyndham RewardsPortal-gated: verify in SmartBuy before transferring.2:15,000₹2,500-₹3,500
British Airways Executive Club (Avios)Portal-gated: verify in SmartBuy before transferring.3:13,333₹2,333-₹5,999

Regalia-tier cards transfer at roughly half the Infinia rate: 2:1 on the good tier, 3:1 on the rest. SmartBuy transfer redemptions capped 1,50,000 RP/calendar month (bank T&C). Menu lives inside SmartBuy (login) - always confirm in-portal.

Earns nothing on

  • ⊘ Fuel earns 0 points (surcharge waiver only). HDFC publishes NO exclusion MCC codes - categories only (MITC + card rewards T&C).
  • ⊘ Rent and property-management payments earn 0 points (w.e.f. 1 Jan 2023).
  • ⊘ Government transactions earn 0 points (w.e.f. 1 Jan 2023).
  • ⊘ E-wallet loading earns nothing; accrued points reversed.
  • ⊘ Education via third-party apps (CRED, Cheq, MobiKwik etc) earns nothing since 1 Sep 2024; paying the school/college directly DOES earn.
  • ⊘ Online skill-based gaming earns nothing (w.e.f. 1 Jul 2025).
  • ⊘ EasyEMI/SmartEMI excluded; points reversed on EMI conversion.

Plays with this card