How to Redeem Reward Points Earned With Your HDFC Bank Regalia Gold Credit Card !

How to Redeem Reward Points Earned With Your HDFC Bank Regalia Gold Credit Card !

03 May, 2024


  • Earn 4 reward points on retail purchases and 20 reward points on specific partner outlets with the Regalia Gold Credit Card.

  • You can redeem accumulated reward points on SmartBuy platform. 

  • Learn how to redeem reward points in multiple ways such as for flight bookings, airmiles transfers and more.

If you are seeking to make your everyday expenses more rewarding, HDFC Bank’s Regalia Gold Credit Card is all you need. Its reward points accrual feature enables more savings on your purchases by providing various options to redeem them. Therefore, understanding how to make the most of the reward points on your Regalia Gold Credit Card can help you optimally utilise this card. So, keep reading on.

Understanding Regalia Gold Credit Card Reward Points

The Regalia Gold Credit Card offers two ways to accrue reward points:

  • You can earn 4 Reward Points for every ₹150 spent on retail purchases, which extends to transactions including insurance, utilities, and education.

  • You can earn 20 Reward Points for every ₹150 spent on retail purchases at specific partner outlets like Marks & Spencer, Myntra, Reliance Digital, and Nykaa.

How to Use Reward Points in Regalia Gold Credit Card?

The redemption options and their respective values per reward point are as follows:

  • Exclusive gold catalogue via SmartBuy: Offers access to premium brands with an attractive redemption rate.

    Redemption value: 1 RP = ₹0.65

  • Flights and hotel bookings via SmartBuy: Allows for the redemption of reward points toward travel bookings and enhances the card's utility for frequent flyers.

    Redemption value: 1 RP = ₹0.5

  • Airmiles conversion: Offers flexibility in converting reward points into airmiles.

    Conversion value: 1 RP = Up to 0.5 airmiles

  • Products and vouchers via NetBanking or SmartBuy: Provides a range of products and vouchers for redemption, catering to diverse preferences and needs.

    Redemption value: 1 RP = Up to ₹0.35

  • Redemption against statement balance: Offers the option to adjust reward points against the Credit Card statement balance to provide an option to reduce outstanding dues.

    Redemption value: 1 RP = ₹0.20

How to Redeem Regalia Gold Credit Card Reward Points?

Here is how you can redeem Reward Points via SmartBuy or Netbanking: 

  • Regalia Gold Catalogue Redemption

  • Access the Regalia Gold SmartBuy portal at
  • Navigate to ‘Regalia Gold Benefits’ and choose ‘Exclusive Gold Catalogue.’
  • Explore a diverse range of premium products from renowned brands like Apple, Samsung, Bose, and more.

  • Regular Catalogue Redemption

  • Within SmartBuy, visit ‘Rewards’ followed by ‘Rewards Catalogue.’
  • Explore a broader selection of items available for redemption.

  • Flight Bookings Redemption

  • In SmartBuy, go to ‘Travel & Stays’ and select ‘Flight.’
  • Browse flights from partner airlines like EaseMyTrip, Yatra, Cleartrip, and Goibibo.
  • Customise your bookings by adding traveller details and reviewing flight options.

  • Redeem Reward Points During Payment

  • Utilise a slider to choose the number of points to redeem at a value of 1 RP = ₹0.50.
  • The remaining amount after redemption will be reflected in the final payment.
  • Complete the transaction by using your Regalia Gold Credit Card for the remaining balance.

  • Airmiles Transfer

  • Under SmartBuy, access ‘Miles Transfer.’
  • Choose from various partner airline companies to convert your reward points into airmiles.
  • Select the number of reward points for conversion at a value of 1 RP = Up to 0.5 airmiles.

Tips and Tricks for Maximising Reward Points

Here are some ways you can follow to maximise reward point utilisation:

  • Strategic spending patterns: Focus on categories offering higher reward point accrual, like specific retail partners that offer 20 points for every ₹150 spent. 

  • Track and utilise card benefits regularly: Keep track of your accumulated points regularly through Netbanking or the HDFC app to be aware of your redemption options. 

  • Strategic use of airmiles conversion: Evaluate converting points to airmiles when planning travel, especially if partner airlines align with your travel preferences or destinations. 

Rewarding Purchases with Regalia Gold Credit Card

The Regalia Gold Credit Card's reward point system offers various ways to extract maximum value from your purchases. By having a Regalia Gold Credit Card, you can enjoy numerous benefits that the card has to offer. Other benefits include complimentary lounge access, milestone benefits, elite memberships, concierge service and more. So, apply for your Regalia Credit Card today! 

*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Credit Card approvals at the sole discretion of HDFC Bank Limited. Credit Card approvals is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.

So, apply for your Regalia Credit Card today!

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