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

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