The HDFC Regalia Gold earns in Reward Points, which this calculator values at ₹0.65 per point. Base earn rate is 2.67% value back, the annual fee is ₹2,500, and forex markup is 3.5%.
Its strongest category is Online shopping at 13.35% value back.
| Category | Value back | Detail |
|---|---|---|
| Online shopping | 13.35% | 5X only on Myntra, Nykaa, M&S, Reliance Digital |
Booking through SmartBuy, iShop or Travel EDGE changes the maths on this card.
| Category | Value back | Detail |
|---|---|---|
| Online shopping | 13.35% | SmartBuy vouchers 5X - bonus capped 3,000 RP/mo |
Accelerated rates stop at a spend threshold. Past it, you earn the fallback rate.
| Category | Cap | After the cap |
|---|---|---|
| Online shopping | ₹28,000 | drops to 2.67% |
The HDFC Regalia Gold earns no rewards on Rent, Govt & Tax, Fuel. Put that spend on another card.
No rewards on fuel (HDFC-wide). 1 RP = ₹0.65 on SmartBuy flights. Quarterly ₹1,500 voucher at ₹1.5L spend, flight vouchers at ₹5L and ₹7.5L milestones.
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