Cardfare / Cards / HDFC Regalia Gold
HDFC Regalia Gold: rewards, caps and changes
What this card earns where, the caps that stop it, and what changed recently. Rates in the "Worth" column value one Regalia Gold Reward Points unit at ₹0.65 (exclusive gold catalogue redemption at rs 0).
What it earns
| Where | Rate | Worth | Conditions | Source |
|---|---|---|---|---|
| Myntra | 25 pts / ₹200 | 8.1% | 5X brand bonus capped at 5,000 RP per month across Myntra/Nykaa/Reliance Digital/M&S; base 5 RP/₹200 continues uncapped beyond this (Cardfare applies the cap to the whole rule, so it slightly understates earn after the cap) Min. ₹200 per transaction | Terms |
| Nykaa | 25 pts / ₹200 | 8.1% | 5X brand bonus capped at 5,000 RP per month across Myntra/Nykaa/Reliance Digital/M&S; base 5 RP/₹200 continues uncapped beyond this (Cardfare applies the cap to the whole rule, so it slightly understates earn after the cap) Min. ₹200 per transaction | Terms |
| Reliance Digital | 25 pts / ₹200 | 8.1% | 5X brand bonus capped at 5,000 RP per month across Myntra/Nykaa/Reliance Digital/M&S; base 5 RP/₹200 continues uncapped beyond this (Cardfare applies the cap to the whole rule, so it slightly understates earn after the cap) Min. ₹200 per transaction | Terms |
| Marks & Spencer | 25 pts / ₹200 | 8.1% | 5X brand bonus capped at 5,000 RP per month across Myntra/Nykaa/Reliance Digital/M&S; base 5 RP/₹200 continues uncapped beyond this (Cardfare applies the cap to the whole rule, so it slightly understates earn after the cap) Min. ₹200 per transaction | Terms |
| HDFC SmartBuy | 25 pts / ₹200 | 8.1% | SmartBuy accelerated (bonus) points capped at 4,000 per calendar month and 2,000 per day for Regalia cards; base points continue beyond the cap | Terms |
| HDFC SmartBuy hotels | 50 pts / ₹200 | 16% | SmartBuy accelerated (bonus) points capped at 4,000 per calendar month and 2,000 per day for Regalia cards; base points continue beyond the cap | Terms |
| HDFC SmartBuy vouchers | 25 pts / ₹200 | 8.1% | SmartBuy brand-voucher accelerated points capped at 3,000 per calendar month (from 1 Jul 2026), counted within the 4,000 overall SmartBuy cap | Terms |
| Insurance premiums | 5 pts / ₹200 | 1.6% | Insurance Reward Points capped at 2,000 per month | Terms |
| Groceries & quick commerce | 5 pts / ₹200 | 1.6% | Grocery Reward Points capped at 2,000 per calendar month | Terms |
| Bills & utilities | 5 pts / ₹200 | 1.6% | Utility Reward Points capped at 2,000 per calendar month | Terms |
| Mobile & broadband | 5 pts / ₹200 | 1.6% | Telecom Reward Points capped at 2,000 per calendar month | Terms |
| Everything else | 5 pts / ₹200 | 1.6% | Maximum 50,000 Reward Points earnable per statement cycle (fair usage) | Terms |
| Fuel | No rewards | 0% | — | Terms |
| Wallet loads | No rewards | 0% | — | Terms |
| Rent | No rewards | 0% | — | Terms |
| Tax & government | No rewards | 0% | — | Terms |
Milestones
- ₹1,500 Myntra/Nykaa (or other listed brand) voucher on ₹1.5 lakh net retail spend in a calendar quarter
- ₹5,000 flight voucher on ₹5 lakh spend in the card (anniversary) year
- Second ₹5,000 flight voucher on ₹7.5 lakh spend in the card (anniversary) year
Recent changes
-
CutHDFC Bank· since 1 July 2026
HDFC Regalia Gold and Diners Privilege lounges need ₹60,000 quarterly spend
Regalia Gold now gives 3 domestic lounge visits a quarter, and Diners Club Privilege 2 domestic + 1 international, only after ₹60,000 of spend in the previous calendar quarter. BizPower's domestic visits drop from 16 to 8 a year, and Regalia Gold gains a Boarding Edge travel-perks programme.
Cards: HDFC Regalia Gold
Source: CardExpert
-
New feeHDFC Bank· since 15 May 2026
HDFC raises DCC markup to 1.75% and adds a card re-issue fee
HDFC revised the dynamic currency conversion markup to 1.75% on rupee-billed international transactions. Replacing a lost, stolen or damaged card now costs ₹199, or ₹3,500 for metal cards.
Cards: HDFC Regalia Gold
Source: HDFC Bank – cardholder notice
-
CutHDFC Bank· since 15 May 2026
HDFC points cards move to per-₹200 earning; Regalia Gold now 5 per ₹200
Most HDFC reward-point cards now earn per ₹200 instead of per ₹150; Regalia Gold goes to 5 points per ₹200 (from 4 per ₹150) and Diners Club Privilege to 4 per ₹200. Infinia, Diners Black and cashback cards such as Millennia, Swiggy and Tata Neu are unchanged.
Cards: HDFC Regalia Gold
Source: Live From A Lounge
-
CutReportedHDFC Bank· since 1 July 2025
HDFC caps reward points on insurance and ends points on skill-gaming
Reward points on insurance payments are now capped each month at 10,000 on Infinia, 5,000 on Diners Black variants and 2,000 on most other cards. Online skill-gaming spends no longer earn reward points or CashPoints.
Applies across HDFC Bank's cards
Source: Upstox News
-
New feeReportedHDFC Bank· since 1 July 2025
HDFC adds 1% fee on wallet loads and skill-gaming, raises fee cap to ₹4,999
HDFC began charging 1% on wallet loads (excluding PayZapp) and online skill-gaming once either exceeds ₹10,000 in a calendar month. Its existing 1% fees on rent, fuel, education (via third-party apps) and utilities (above ₹50,000 a month, ₹75,000 for business cards) are now capped at ₹4,999.
Applies across HDFC Bank's cards
Source: Business Standard
Live offers for this card
- AmazonHDFC Bank· until 30 September 2026
₹1,250 off on ₹15,000+ · card EMI only
Flat ₹1,250-₹1,750 off on HDFC Credit Card EMI (6m+) on ₹15,000+
Offer terms · verified 23 Sept 2026
- AmazonHDFC Bank· until 30 September 2026
₹3,000 off on ₹50,000+ · card EMI only
Flat ₹3,000-₹4,000 off on HDFC Credit Card EMI (6m+) on ₹50,000+
Offer terms · verified 23 Sept 2026