Suggestions needed for 35k reward points redemption

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Last comment 2020-12-11

Deal Cadet

115

2020-12-10

I have hdfc regalia credit card with 35k points accumulated. Please help me suggest the best way to get worth from these points. I would LOVE if i can get these to convert to cash or amazon gv with 1point=1rupee.
Is there a way to upgrade my account/card so that my points are worth more than 0.2/0.33 rupees?
Any help and knowledge appreciated.

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nomag 2020-12-10

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1 point = 1 rupee.. credit card does work as per your expectation. Read fine print which comes with every credit card toungueout

717

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Seinfeld 2020-12-10

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Check your redeem rewards section from hdfc netbanking. Best I get on my regalia is 300 pts = 100 ₹ . Amazon gift voucher is probably 666 pts = 100 ₹.

Once upon a time these points were worth 2:1. I remember to transfer all points to my tatasky account when this devaluation happened.

Also when you upgrade your card the points generally are devalued accordingly, won’t help if upgraded.

814

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Snikeus 2020-12-10

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You can use dedicated portal for regalia card instead of redeeming through net banking. There 1 RP ~ Rs 0.35 if redeemed for Amazon GV. There will be redemption fees of Rs 99+GST for each redemption though. Below is the link

https://offers.smartbuy.hdfcbank.com/r...ia

@Wix @Seinfeld

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Wix 2020-12-10

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Snikeus wrote:
You can use dedicated portal for regalia card instead of redeeming through net banking. There 1 RP ~ Rs 0.35 if redeemed for Amazon GV. There will be redemption fees of Rs 99+GST for each redemption though. Below is the link

https://offers.smartbuy.hdfcbank.com/r...ia

@Wix @Seinfeld

Is it possible to upgrade to a card where its 1point=1rupee and THEN i can use these 35k as ₹35k? Or are these points tied to my regalia card only? Am i being too naive?

814

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Snikeus 2020-12-10

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Wix wrote:
Is it possible to upgrade to a card where its 1point=1rupee and THEN i can use these 35k as ₹35k? Or are these points tied to my regalia card only? Am i being too naive?

For regalia, I guess only upgrade is to Infinia and DCB. You can check below links for reward rate for both:

https://cardinfo.in/hdfc-bank-infinia-credit-ca...
https://cardinfo.in/hdfc-diners-club-black-cred...

Also refer the below link:
https://cardinfo.in/hdfc-bank-infinia-credit-ca...

208

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Fanil 2020-12-11

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Wix wrote:
Is it possible to upgrade to a card where its 1point=1rupee and THEN i can use these 35k as ₹35k? Or are these points tied to my regalia card only? Am i being too naive?

upon upgrade the points will be adjusted to the value of the variant you are upgraded to. My dad had regalia first and upon ugrade to regalia, it was almost halved.