Back to Home
HDFC Regalia Gold Rewards Calculator
Calculate your monthly rewards, annual value, and milestone vouchers with the HDFC Regalia Gold credit card.
Annual Fee
₹2,500 + GST
Base Rate
5 RP / ₹200 (1.25%)
Top Rate
50 RP / ₹200 (12.50%)
Fee Waiver
₹4L spend
Reward Point Value
Enter Your Monthly Spending Details
Hotels · Jockey · IGP · Pharmeasy
₹
Flights · Buses · MMT
₹
Gyftr · Woohoo
₹
IRCTC / Trains via SmartBuy
₹
Myntra · Nykaa · Reliance Digital · M&S
₹
5 RP/₹200 · capped at 2,000 RP/month
₹
5 RP/₹200 · capped at 2,000 RP/month
₹
Utilities · Education · Everything else
₹
Your Rewards Summary
Monthly RP
0 RP
Monthly Spend
₹0
Monthly Return Rate
0.00%
Monthly Cap Usage
SmartBuy Bonus (Overall)0 / 4,000 RP
Gift Card Bonus (Sub-cap)0 / 3,000 RP
Lifestyle Bonus0 / 5,000 RP
Grocery Transactions0 / 2,000 RP
Insurance Transactions0 / 2,000 RP
Annual Projection
Spending Months / Year1
112
Annual Spend
₹0
Annual RP
0
Quarterly Voucher · ₹1,500 per qualifying quarter (≥₹1.5L) · 0 quartersNo qualifying quarters yet
₹5L Milestone · ₹5,000 Flight VoucherLocked
₹7.5L Milestone · ₹10,000 Flight + ₹5,000 SmartBuyLocked
Fee Waiver · ₹4L annual spend · saves ₹2,950Locked
Total Annual Value₹0
Effective Return Rate0.00%
How this calculator works:
- • Base: 5 RP/₹200 on all spends
- • 10× SmartBuy Hotels: 1× base + 9× bonus
- • 5× SmartBuy Flights: 1× base + 4× bonus
- • 3× SmartBuy Trains: 1× base + 2× bonus
- • Gift Cards (Gyftr/Woohoo): bonus RP capped separately at 3,000 RP/month
- • SmartBuy bonus combined cap: 4,000 RP/month (includes gift card bonus)
- • 5× Lifestyle Brands (outside SmartBuy): 1× base + 4× bonus · separate 5,000 RP/month cap
- • Grocery Transactions: 5 RP/₹200 · capped at 2,000 RP/month
- • Insurance Transactions: 5 RP/₹200 · capped at 2,000 RP/month
- • Quarterly Voucher: ₹1,500 per quarter with ≥₹1.5L spend
- • Fee Waiver: ₹4L annual spend saves ₹2,950
- • RP value: ₹0.50 (SmartBuy) or ₹1.00 (Accor transfer)