CRPCheckRewardPoints
Credit CardsLast verified: 01-Dec-2025

HDFC Regalia Credit Card Reward Points: Value, Check & Redeem Guide (2026)

Point Value

₹0.50 - ₹1 per point

Expiry

3 years

Redemption Options

5

Last Updated

01-Dec-2025

HDFC Reward Points Value in 2026

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

How to Check Your HDFC Reward Points Balance

📱

HDFC Mobile App

  1. 1Open HDFC Mobile Banking app
  2. 2Go to Cards > Credit Cards
  3. 3Select your credit card
  4. 4View reward points balance
Open →
🌐

NetBanking

  1. 1Login to HDFC NetBanking
  2. 2Go to Cards > Credit Cards
  3. 3Click on Reward Points
Open →
📨

SMS

  1. 1SMS 'REWARD' to 5676712 from registered mobile

Number: 5676712

📞

Missed Call

  1. 1Give a missed call to 1860-267-6161

Number: 1860-267-6161

📞

Customer Care

  1. 1Call HDFC customer care
  2. 2Select Credit Card option
  3. 3Request reward points balance

Number: 1860-267-6161

How to Redeem HDFC Reward Points

Flight Bookings

Best Value

Book flights through SmartBuy portal

Value: ₹0.70 - ₹1.00/point

Hotel Bookings

Best Value

Book hotels through SmartBuy portal

Value: ₹0.70 - ₹1.00/point

Statement Credit

Convert points to statement credit

Value: ₹0.50/point

Gift Vouchers

Amazon, Flipkart, Myntra vouchers

Value: ₹0.40 - ₹0.50/point

Product Catalog

Redeem from rewards catalog

Value: ₹0.30 - ₹0.40/point

Best Redemption Strategy

Flight bookings via SmartBuy give best value (up to ₹1 per point). Avoid product catalog redemption

Open Redemption Portal →

Expiry Policy

Points expire 3 years from the date of earning on a rolling basis

Exclusions

  • ×Fuel transactions below ₹400
  • ×Wallet loading
  • ×Insurance premium payments
  • ×Rent payments
  • ×Government payments
  • ×Utility bills (capped at 1000 points/month)
  • ×Cash withdrawals

Pro Tips

  • 💡Use SmartBuy for 10X rewards on travel bookings
  • 💡Redeem points for flights to get maximum value
  • 💡Avoid letting points expire - set calendar reminders
  • 💡Stack with bank offers for additional discounts
  • 💡Book during sales/promotions for better pricing + point value

Related Guides

How to Check Points

Step-by-step guide

How to Redeem Points

Best redemption options

All HDFC Bank Cards

Compare programs

Information is for reference only. Point values and policies may change. Always verify with HDFC Bank official sources. Last updated: 01-Dec-2025.