SimplifyCards take:A good fit if you want a card built for travel, lounge, and lifestyle
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Best for SmartBuy HotelsBest for
Up to 10X Reward Points (50 RP / ₹200 spent via SmartBuy)
!
Avoid if your spend is lowWatch out
The ₹ 2,500 fee waives only at ₹ 4 lakh/year, and some benefits can be spend-gated
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Good fit if you want a card built for travel, lounge, and lifestyleBottom line
It combines complimentary airport lounge access, a low 2% forex markup, and accelerated rewards on SmartBuy hotels
Estimate your Reward Points
Adjust your monthly spend to see the card's estimated annual value
How the card works
Reward Points rates
| Category | Rate | Daily cap | Monthly cap |
|---|---|---|---|
| SmartBuy Hotels | Up to 10X Reward Points (50 RP / ₹200 spent via SmartBuy) | 2,000 Reward Points | 4,000 Reward Points |
| SmartBuy Flights | Up to 5X Reward Points (25 RP / ₹200 spent on flights via SmartBuy) | 2,000 Reward Points | 4,000 Reward Points |
| SmartBuy Gyftr | Up to 5X Reward Points (25 RP / ₹200 spent on instant vouchers via SmartBuy) | 2,000 Reward Points | 3,000 Reward Points |
| SmartBuy Train | 3X Reward Points (15 RP / ₹200 spent via SmartBuy) | 2,000 Reward Points | 4,000 Reward Points |
| Select Lifestyle Brands | 25 Reward Points / ₹200 (5X Reward Points) | - | 5,000 Reward Points |
| Others | 5 Reward Points / ₹200 | - | 50,000 Reward Points |
Redemption
Statement balanceupto ₹ 0.2 per point
SmartBuy flight/hotelupto ₹ 0.5 per point
Airmile transferupto 0.5 airmile per point
| Airline | Programme | Ratio |
|---|---|---|
| Air Canada | Aeroplan | 3:1 |
| Air India | Maharaja Club | 3:1 |
| British Airways | Executive Club | 3:1 |
| Cathay Pacific | Asia Miles | 3:1 |
| Etihad Airways | Etihad Guest | 3:1 |
| Qatar Airways | Privilege Club | 3:1 |
| Singapore Airlines | KrisFlyer | 2:1 |
| Air France / KLM | Flying Blue | 2:1 |
| Turkish Airlines | Miles&Smiles | 2:1 |
| Thai Airways | Royal Orchid Plus | 3:1 |
| Hotel group | Programme | Ratio |
|---|---|---|
| Accor | ALL (Accor Live Limitless) | 2:1 |
| Marriott | Marriott Bonvoy | 3:1 |
| IHG | IHG One Rewards | 2:1 |
| Wyndham | Wyndham Rewards | 2:1 |
Important conditions
1
Domestic lounge12 visits per year
- 12 complimentary visits per year (max 3 per quarter)
- From 1 July 2026 access is spend-gated: requires ₹60,000 of spend in the preceding calendar quarter to unlock the next quarter
2
International lounge6 visits per year
- Complimentary Priority Pass membership on request after 4 retail transactions
- 6 complimentary visits per calendar year outside India (primary and add-on cardholders); extra visits charged at US $27 + GST
3
Milestone₹5,000 worth flight vouchers on spends of ₹5 lakh
4
Milestone₹5,000 worth flight vouchers on spends of ₹7.5 lakh
5
Milestone₹1,500 worth Myntra or Nykaa vouchers on quarterly spends of ₹1.5 lakh
6
Fee waiverRenewal fee waived on annual spends of ₹ 4 lakh
Tips
Practical notes from verified sources
Activate HDFC Global Value Program to get an additional 1% cashback on international spends
The best redemption option is transferring to Accor Live Limitless (ALL) at a 2:1 ratio. Since 1 Accor point is valued at Rs 2.2, this yields an effective value of Rs 1.1 per HDFC reward point
Benefits and fine print
Welcome, renewal, and other listed benefits
Joining benefits
- Complimentary Swiggy One and MMTBLACK Gold membership as welcome benefits on spends of ₹1 lakh in first 90 days
Additional benefits
- Boarding Edge Programme: Upload boarding pass on SmartBuy to choose 2 complimentary perks per quarter (spa session, buffet, room upgrade, or ₹750 Uber voucher)
- Dining privileges via Swiggy Dineout with up to 25% savings
- SmartEMI conversion after purchase
Additional details
- Reward Points earnings are capped at 50,000 per statement cycle
- Reward Points on grocery transactions are capped at 2,000 per calendar month
- Reward Points on utility transactions are capped at 2,000 per calendar month
- Reward Points on telecom transactions are capped at 2,000 per calendar month
- Reward Points on insurance transactions are capped at 2,000 per calendar month (effective 1 July 2025)
- Redemption of reward points for flights and hotel bookings on SmartBuy is capped at 50,000 per calendar month
Latest Updates
Recent changes to this card
HDFC capped Regalia Gold SmartBuy vouchers1 Jul 2026
- From 1 July 2026, SmartBuy brand vouchers earn accelerated points only up to 3,000 points per month
- The overall SmartBuy monthly cap stays 4,000 points
HDFC revised Regalia Gold base rewards rate15 May 2026
- Effective 15 May 2026, HDFC Bank has revised the base reward points earning rate to 5 reward points for every ₹200 spent on eligible transactions (previously 4 points per ₹150)
HDFC revised domestic lounge access rules for Regalia Gold15 May 2026
- Effective 1 July 2026, domestic lounge access is spend-gated
- Cardholders must spend at least ₹60,000 in the preceding calendar quarter to unlock 3 complimentary visits for the next quarter
Eligibility
Check this before you apply
Salaried
- Indian national
- Age 21 to 60 years
- Net monthly income greater than ₹1 lakh for government employees
- Net monthly income greater than ₹1.5 lakh for non-government employees
Self-employed
- Indian national
- Age 21 to 65 years
- ITR greater than ₹18 lakh per annum
Exclusions
Spending that does not earn reward points
- fuel
- rent
- wallet loads
- government transactions
- cash withdrawal
- emi transactions
- fees and charges
- online skill-based gaming
- education payments through third-party apps
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