How to Redeem HDFC Regalia Gold Credit Card Points — Best Options (2026)
3 redemption options compared. Find the best value for your HDFC Reward Points.
Best Redemption Strategy
SmartBuy flight/hotel bookings offer the best value at ₹0.50 per point. Avoid cashback and catalog for maximum returns.
All Redemption Options
SmartBuy Travel
Best ValueFlights and hotels via SmartBuy
Value per point: ₹0.50
Cashback
Statement credit
Value per point: ₹0.20
Product Catalog
Rewards catalog items
Value per point: ₹0.20 - ₹0.30
Redemption Portal
Open HDFC Bank Rewards Portal →Understanding Point Value
Earn 4 reward points per ₹150 spent. 1 point = ₹0.50 on SmartBuy travel, ₹0.20-0.30 on catalog. Annual fee of ₹2,500 waived on ₹3 lakh annual spend.
Frequently Asked Questions
What is the best way to redeem HDFC Regalia Gold Credit Card points?
SmartBuy flight/hotel bookings offer the best value at ₹0.50 per point. Avoid cashback and catalog for maximum returns.
Can I convert HDFC Regalia Gold Credit Card points to cash?
Yes, cashback redemption is available but typically offers lower value per point compared to other options.
Is there a minimum points requirement to redeem HDFC Regalia Gold 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 Gold Credit Card points expire?
Points expire 2 years from earning date on a rolling basis.