HDFC Regalia Credit Card
HDFC Bank
Point Value
₹0.50 - ₹1 per point
Expiry
3 years
Redemption Options
5 ways
Last Updated
01-Dec-2025
How to Check Your Points
HDFC Mobile App
- 1.Open HDFC Mobile Banking app
- 2.Go to Cards > Credit Cards
- 3.Select your credit card
- 4.View reward points balance
NetBanking
- 1.Login to HDFC NetBanking
- 2.Go to Cards > Credit Cards
- 3.Click on Reward Points
Customer Care
- 1.Call HDFC customer care
- 2.Select Credit Card option
- 3.Request reward points balance
Point Value Details
1 point = ₹1 on flights/hotels via SmartBuy, ₹0.50 on cashback, ₹0.40-₹0.50 on gift vouchers, ₹0.30-₹0.40 on products. Grocery capped at 2000 points/month
Redemption Options
Flight Bookings
Best ValueBook flights through SmartBuy portal
Value: ₹0.70 - ₹1.00/point
Hotel Bookings
Best ValueBook hotels through SmartBuy portal
Value: ₹0.70 - ₹1.00/point
Statement Credit
Convert points to statement credit
Value: ₹0.50/point
Gift Vouchers
Amazon, Flipkart, Myntra vouchers
Value: ₹0.40 - ₹0.50/point
Product Catalog
Redeem from rewards catalog
Value: ₹0.30 - ₹0.40/point
Best Redemption Strategy
Flight bookings via SmartBuy give best value (up to ₹1 per point). Avoid product catalog redemption
Expiry Information
Points expire 3 years from the date of earning on a rolling basis
What Doesn't Earn Points
- Fuel transactions below ₹400
- Wallet loading
- Insurance premium payments
- Rent payments
- Government payments
- Utility bills (capped at 1000 points/month)
- Cash withdrawals
Pro Tips
Use SmartBuy for 10X rewards on travel bookings
Redeem points for flights to get maximum value
Avoid letting points expire - set calendar reminders
Stack with bank offers for additional discounts
Book during sales/promotions for better pricing + point value
Information is for reference only. Terms and conditions may change. Always verify with official sources before making decisions. Last updated: 01-Dec-2025