How to redeem HDFC Regalia Gold reward points
HDFC Regalia Gold earns HDFC Reward Points. Here is every way to use them, ranked by the rupee value you get per point. Pick the top option unless you are transferring to an airline for premium travel.
Bank travel portal: 1,000 points = ₹500
Redeeming the same points as cashback returns only ₹200 per 1,000, about 2.5× less.
- 1Login to HDFC SmartBuy
- 2Book flight/hotel
- 3Apply Reward Points at 1 RP = Rs 0.50 (up to 70%)
- 4Pay remaining on card
Up to 70% of any booking can be paid with points (rest on card).
Go to the portalEvery redemption option, compared
Bank travel portal
easyLogin to HDFC SmartBuy Book flight/hotel Apply Reward Points at 1 RP = Rs 0.50 (up to 70%) Pay remaining on card
Up to 70% of any booking can be paid with points (rest on card).
Cashback
instantLogin to netbanking Redeem as statement credit at 1 RP = Rs 0.20
Going somewhere? Transfers can beat all of these.
For premium-cabin travel, transferring points to an airline often returns far more than any option above. See exactly which transfer path your points unlock.
Open the Trip PlannerFrequently asked
What is the best way to redeem HDFC Regalia Gold reward points?
Bank travel portal at about ₹0.5 per point (₹500 per 1,000 points), which is the highest-value option for this card.
What is 1,000 HDFC Regalia Gold points worth?
Between ₹200 and ₹500 depending on how you redeem. The redemption channel you choose matters more than the number of points.