Intro Offer
Annual Fees
₹2.5K + GST
Joining Fees
₹2.5K + GST
Reward Rate
2.67% 26.67%
Rating
3.8
| Category | Type | Qualifying Spend | Rate | RP Capping | Spend Capping | Conditions |
|---|---|---|---|---|---|---|
| offline | base | Retail Spends | 2.67% | Max. 2K / month | ||
| travel | accelerated | Hotel Bookings via SmartBuy | 26.67% | Max. 4K / month | ||
| transport | accelerated | Bus Ticket Bookings via SmartBuy | 26.67% | |||
| shopping | accelerated | Amazon Shopping via SmartBuy | 13.33% | |||
| travel | accelerated | Flight Bookings via EaseMyTrip via SmartBuy | 13.33% | |||
| travel | accelerated | Flight Bookings via Cleartrip via SmartBuy | 13.33% | |||
| travel | accelerated | Flight Bookings via Redbus via SmartBuy | 13.33% | |||
| travel | accelerated | Flight Bookings via Apple Imagine via SmartBuy | 13.33% | |||
| shopping | accelerated | Flipkart Shopping via SmartBuy | 8.00% | |||
| transport | accelerated | Rail Tickets via SmartBuy | 8.00% | |||
| upi | base | UPI Spends | 2.67% | Max. 500 / month | ||
| insurance | base | Insurance Payments | 2.67% | Max. 2K / day |
| Airline Partner | Redemption Rate | Multiplier | |
|---|---|---|---|
| Singapore Airlines | 1 Reward Points = 0.5 KrisFlyer points | x0.50 | |
| Vistara | 1 Reward Points = 0.5 CV Points points | x0.50 | |
| Intermiles | 1 Reward Points = 0.5 Intermiles points | x0.50 | |
| Multiple Airlines | 1 Reward Points = 0.5 Air Miles points | x0.50 |
| Airline Partner | Redemption Rate | Multiplier | |
|---|---|---|---|
| Multiple Hotels | 1 Reward Points = 0.5 Hotel Bookings points | x0.50 |
| Partner Brand | Redemption Rate | Multiplier | |
|---|---|---|---|
| Various Partners | 1 Reward Points = ₹0.35 voucher | x0.35 |
Get x0.2 conversion value on redeeming 1 Reward Points for ₹0.2 statement balance
2.67% rewards
2.67% rewards
2.67% rewards
26.67% rewards
13.33% rewards
13.33% rewards
8% rewards
8% rewards
No other features available on this card.
Decent Reward Rate
Earn 4 Reward Points for every Rs. 150 spent, with a reward rate of ~1.3% when redeemed on the Regalia portal.
Milestone Benefits
Earn 10,000 Reward Points on spending Rs. 5 Lakhs and an additional 5,000 Reward Points on spending Rs. 8 Lakhs annually.
Complimentary Lounge Access
Enjoy 8 complimentary domestic lounge visits per year (2 per quarter, subject to spending Rs. 1 Lakh per quarter) and 6 international lounge visits with Priority Pass (shared with add-on members).
Low Forex Markup Fee
Avail a low foreign currency markup fee of 2% on international transactions.
Annual Fee Waiver
The annual fee of Rs. 2,500 is waived off on spending Rs. 3 Lakhs in the preceding year.
Conditional Domestic Lounge Access
Cardholders can avail up to 2 complimentary lounge access vouchers quarterly on spending Rs.1 Lakh or more in a calendar quarter.
High Forex Markup Fee
The forex markup fee is 2% + GST, higher than some other premium cards.
Net Loss on International Spends
The reward rate of 1.3% on international spends does not offset the forex markup fee, resulting in a net loss.
Devaluation Over Time
The card has gone through a series of devaluations over the years, making it less valuable than before.
Low Cap on Reward Promos
HDFC has put low upper caps on most reward promos, making it hard to earn a lot of reward points.
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