Hot Deal How to redeem Regalia points

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Is there a special portal to redeem points on regalia credit card?

I cant see the options to book flight via regalia points.

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Can anyone tell the benefits of regalia card? How to extract maximum benefits?

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abhispree wrote:

Login to HDFC smartbuy to redeem

How do i add my card there to redeem points

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adrishya wrote:

How do i add my card there to redeem points

1. Go to Smartbuy website
If on mobile,
2. Select the three strips on top left side. Select privileges > Regalia
If on desktop,
2. Select privileges > Regalia
3. Choose the redemption method of choice (flights, hotel)
4. During checkout, add card. There would be an option to redeem reward points (70% order value). Pay remaining using card.

Alternatively, you can login to netbanking> cards> transact> redeem points. Here you will get options to buy vouchers or convert points to statement credit.

Best option is flight or hotel booking (1RP=₹0.5)

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Use it on HDFC smartbuy to get 5% cashback
Pay on nobroker website thru payzapp to get 5% upto 400 cashback
If first year finish 5 lakh spend to get 10k points

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tvirus wrote:

1. Go to Smartbuy website
If on mobile,
2. Select the three strips on top left side. Select privileges > Regalia
If on desktop,
2. Select privileges > Regalia
3. Choose the redemption method of choice (flights, hotel)
4. During checkout, add card. There would be an option to redeem reward points (70% order value). Pay remaining using card.

Alternatively, you can login to netbanking> cards> transact> redeem points. Here you will get options to buy vouchers or convert points to statement credit.

Best option is flight or hotel booking (1RP=₹0.5)

Great. Thanks so much for the detailed post. Really appreciate this bro

Kg+

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adrishya wrote:

Great. Thanks so much for the detailed post. Really appreciate this bro

Kg+

Don’t do it from netbanking. It has lowest point conversion ratio. Use the dedicated regalia portal to get the best value

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Snikeus wrote:

Don’t do it from netbanking. It has lowest point conversion ratio. Use the dedicated regalia portal to get the best value

Yes bro I got that. I guess will use regalia for flight booking only. Isnt 6e rewards cards better? 2% rp for flight booking

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adrishya wrote:

Yes bro I got that. I guess will use regalia for flight booking only. Isnt 6e rewards cards better? 2% rp for flight booking

Sorry, did not explore that card

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Dealo wrote:

Can anyone tell the benefits of regalia card? How to extract maximum benefits?

It’s beneficial if you travel internationally or domestically with lounge access for you and up to 3 add on card members. Reward points are valued at 50 paisa only if you redeem on hotels/flights.

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Ramta_Jogi wrote:

It’s beneficial if you travel internationally or domestically with lounge access for you and up to 3 add on card members. Reward points are valued at 50 paisa only if you redeem on hotels/flights. Yu can earn up to 7 percent in reward points on Amazon transactions up to a certain limit every month

Thanks and are add on card free? And what is the procedure for same

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I spend on rent payments, LIC and mediclaim payments and some insta vouchers – i didnot get such a mail

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Dealo wrote:

Thanks and are add on card free? And what is the procedure for same

Up to 3 add-on cards are free. Start spending on your main card & request for add on cards. Has to be for immediate family members who are over 18 years old. You can also ask for Priority Pass card for main and add on cards once you start using main card. Priority pass is for free access to International Airport lounges as per TnC and Card holder agreement

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guest_999 wrote:

For all those planning on “huge spending” using regalia(especially GV/wallet transactions/anything looking commercial in nature):
https://www.desidime.com/discussions/hdfc-warni...
@ami123

I don’t think this was coz of heavy spending. I still feel multiple pre payments into card did this. It’s easy to touch 1L or more RP on Infinia if you spend on flights n hotels and the 10 to 15x offers HDFC keeps bringing in. Even with 30k per month spends on Infinia, u can hit over 1L RPs per year easily provided you know what you are doing and the way to do it.

These emails are triggered on a set pattern. I believe the entire circle of friends would have got such email for exploiting the card in a certain way.

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Ramta_Jogi wrote:

Up to 3 add-on cards are free. Start spending on your main card & request for add on cards. Has to be for immediate family members who are over 18 years old. You can also ask for Priority Pass card for main and add on cards once you start using main card. Priority pass is for free access to International Airport lounges as per TnC and Card holder agreement

Thanks for the information. Will apply for add on card, priority pass will not of much use, as we don’t travel internationally.

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Ramta_Jogi wrote:

It’s beneficial if you travel internationally or domestically with lounge access for you and up to 3 add on card members. Reward points are valued at 50 paisa only if you redeem on hotels/flights. Yu can earn up to 7 percent in reward points on Amazon transactions up to a certain limit every month

7 percent how bro?

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i dont use mobikwik
some other dimer cud help you

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adrishya wrote:

7 percent how bro?

Sorry, I was under wrong “year of usage”. This is no longer there as it has been replaced with cashback of 2.5%. I have edited my previous posts accordingly. Thanks for noticing this

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Ramta_Jogi wrote:

I don’t think this was coz of heavy spending. I still feel multiple pre payments into card did this. It’s easy to touch 1L or more RP on Infinia if you spend on flights n hotels and the 10 to 15x offers HDFC keeps bringing in. Even with 30k per month spends on Infinia, u can hit over 1L RPs per year easily provided you know what you are doing and the way to do it.

These emails are triggered on a set pattern. I believe the entire circle of friends would have got such email for exploiting the card in a certain way.

I think hdfc might also be matching usage with “user profile”. e.g. someone who got Infinia with confirmed income proof of more than 3-4 lakh per month(in HDFC eyes say some long relationship history of dozens of lakh in account or some salary acc with 3-4 lakh monthly credit) might earn 1-2 lakh reward points without issues but someone who got upgraded to Infinia without ever giving income proof will land in trouble by doing the same thing.

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Dealo wrote:

Thanks for the information. Will apply for add on card, priority pass will not of much use, as we don’t travel internationally.

If you don’t travel internationally then there are other better rewarding cards than Regalia.
Regalia is popular coz of its international lounge access for add on card members

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guest_999 wrote:

I think hdfc might also be matching usage with “user profile”. e.g. someone who got Infinia with confirmed income proof of more than 3-4 lakh per month(in HDFC eyes say some long relationship history of dozens of lakh in account or some salary acc with 3-4 lakh monthly credit) might earn 1-2 lakh reward points without issues but someone who got upgraded to Infinia without ever giving income proof will land in trouble by doing the same thing.

I actually belong to the latter. Received Regalia on 3L/annum ITR. Spends on Infinia exceeded 9L in 2019. Bought car in 2020 Oct with Infinia. Single swipe of 16L. Usage dropped in 2020-21. Might get back in 2021-22.

This matching of income to expense is domain of IT, I believe. The best HDFC can do is report spends and high value transactions in your form 26AS to the authorities.

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Ramta_Jogi wrote:

Bought car in 2020 Oct with Infinia. Single swipe of 16L.

What is your credit limit? Was that from the beginning when the card was issued or it has increased gradually over time?

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Ramta_Jogi wrote:

I actually belong to the latter. Received Regalia on 3L/annum ITR. Spends on Infinia exceeded 9L in 2019. Bought car in 2020 Oct with Infinia. Single swipe of 16L. Usage dropped in 2020-21. Might get back in 2021-22.

This matching of income to expense is domain of IT, I believe. The best HDFC can do is report spends and high value transactions in your form 26AS to the authorities.

How did you go from 3lpa to 16 ? Share your success story ? If possible?

Missing