HDFC Regalia Gold
HDFC Bank · Reward Points · Reward Points
This comprehensive guide covers the HDFC Regalia Gold's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The HDFC Regalia Gold from HDFC Bank offers reward points rewards redeemable as reward points. Top earning categories include 5x rewards on select partner brands and more. Annual fee is ₹2,500 (waived above inr 400,000 annual spend).
Best for: Myntra, Nykaa · General Online, Online Retail, Electronics Accessories, Dining
Official product page → Official rules →
Waiver: Waived above INR 400,000 annual spend
Reward Rules
- 12.5 pts/$100 5X rewards on select partner brands (cap: ₹4,000)
- 2.667 pts/$100 4 reward points per INR 150
Important Notes
- Reward value assumes eligible flight/hotel/voucher redemption; cash redemption value can be lower.
🎁 Apply with referral — Earn up to ₹3,000
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
HDFC Regalia Gold vs Similar Cards
- Axis Bank Magnus Credit Card — Reward Points · ₹10,000
- Axis Bank Magnus Burgundy Credit Card — Reward Points · ₹12,000
- Axis Bank MyZone Credit Card — Reward Points · ₹500
Maximize Your Rewards
To earn the highest rewards, use the HDFC Regalia Gold for its bonus categories: General Online, Online Retail, Electronics Accessories, Dining, Grocery.