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HDFC Bank Regalia Credit Card — Rewards, Fees & Value

HDFC Bank · visa · premium

Best reward rate
3.2%
Annual fee
₹2,500
Type
Reward points
Point value (best)
₹0.81

Reward rate by category

Effective value back per ₹100 spent, after our cap-aware audit. Points valued at best redemption.

Dining & food delivery3.2%
Travel & flights3.2%
Online shopping1.1%
Groceries1.1%
Utilities & bills1.1%

Transfer partners

Points can transfer to: air india flying returns, marriott bonvoy, intermiles.

Key benefits

See what this card is worth for your spending

Calculate your exact points value, or let the Card Finder check whether the Regalia belongs in your stack.

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FAQs

What is the reward rate on the Regalia credit card?

The HDFC Bank Regalia Credit Card earns up to 3.2% effective value on dining & food delivery and 3.2% on travel & flights. Its base rate is about 1.1%.

What is the annual fee of the Regalia?

The Regalia has an annual fee of ₹2,500, waived on annual spends of ₹3,00,000 or more.

What is one Regalia reward point worth?

On the Regalia, one point is worth up to about ₹0.81 via its best redemption, or around ₹0.25 as cashback.

Reward data last verified 2026-06-01. Rates and fees change frequently — always confirm on the issuer's website before applying. RewardsAI is an independent tool and not affiliated with HDFC Bank.