CRPCheckRewardPoints
Credit CardsLast verified: 24-Mar-2026

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

Point Value

₹0.50 per point (best value via SmartBuy)

Expiry

2 years

Redemption Options

3

Last Updated

24-Mar-2026

HDFC Reward Points Value in 2026

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.

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 Regalia Gold 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. 1Send 'REWARD' to 5676712 from registered mobile

Number: 5676712

📞

Customer Care

  1. 1Call HDFC Customer Care
  2. 2Press 1 for Credit Cards
  3. 3Request reward points balance

Number: 1860-267-6161

How to Redeem HDFC Reward Points

SmartBuy Travel

Best Value

Flights and hotels via SmartBuy

Value: ₹0.50/point

Cashback

Statement credit

Value: ₹0.20/point

Product Catalog

Rewards catalog items

Value: ₹0.20 - ₹0.30/point

Best Redemption Strategy

SmartBuy flight/hotel bookings offer the best value at ₹0.50 per point. Avoid cashback and catalog for maximum returns.

Open Redemption Portal →

Expiry Policy

Points expire 2 years from earning date on a rolling basis.

Exclusions

  • ×Fuel transactions
  • ×EMI transactions
  • ×Wallet loading

Pro Tips

  • 💡Best value through SmartBuy portal for travel bookings
  • 💡Earn 2X points on weekend dining
  • 💡Fee waiver at ₹3 lakh annual spend — track spending
  • 💡Good mid-tier option below Regalia

Related Guides

How to Check Points

Step-by-step guide

How to Redeem Points

Best redemption options

All HDFC Bank Cards

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Information is for reference only. Point values and policies may change. Always verify with HDFC Bank official sources. Last updated: 24-Mar-2026.