How to Redeem HDFC Regalia Credit Card Points — Best Options (2026)
5 redemption options compared. Find the best value for your HDFC Reward Points.
Best Redemption Strategy
Flight bookings via SmartBuy give best value (up to ₹1 per point). Avoid product catalog redemption
All Redemption Options
Flight Bookings
Best ValueBook flights through SmartBuy portal
Value per point: ₹0.70 - ₹1.00
Hotel Bookings
Best ValueBook hotels through SmartBuy portal
Value per point: ₹0.70 - ₹1.00
Statement Credit
Convert points to statement credit
Value per point: ₹0.50
Gift Vouchers
Amazon, Flipkart, Myntra vouchers
Value per point: ₹0.40 - ₹0.50
Product Catalog
Redeem from rewards catalog
Value per point: ₹0.30 - ₹0.40
Redemption Portal
Open HDFC Bank Rewards Portal →Understanding Point Value
1 point = ₹1 on flights/hotels via SmartBuy, ₹0.50 on cashback, ₹0.40-₹0.50 on gift vouchers, ₹0.30-₹0.40 on products. Grocery capped at 2000 points/month
Frequently Asked Questions
What is the best way to redeem HDFC Regalia Credit Card points?
Flight bookings via SmartBuy give best value (up to ₹1 per point). Avoid product catalog redemption
Can I convert HDFC Regalia Credit Card points to cash?
Cashback may not be directly available. Check the redemption portal for current options.
Is there a minimum points requirement to redeem HDFC Regalia Credit Card points?
Minimum redemption requirements vary by option. Check the HDFC Bank rewards portal for specific minimums for each redemption type.
Do HDFC Regalia Credit Card points expire?
Points expire 3 years from the date of earning on a rolling basis