Regalia reward points redemption

[b4bhar]

All the Regalia card users,
On what are you redeeming your reward points and what's the reward ratio you get? Currently what am i seeing is the reward ratio for amazon pay voucher is too low at 0.15 which is less than cash redemption (0.2). Not sure if I'm looking at the right portal.

Thank you!

 

[Heehaahee]

A friend told me he upgraded from LTF Millennia to LTF Regalia purely for Smartbuy instant vouchers at higher discount otherwise it's a downgrade to Millennia

Depends on use cases, regalia is a travel card, more rewards on travel and hotel bookings, millennia is for online spends mostly.. in the eyes of HDFC, Regalia is a higher variant card compared to Millennia

 

[anonymuos]

Depends on use cases, regalia is a travel card, more rewards on travel and hotel bookings, millennia is for online spends mostly.. in the eyes of HDFC, Regalia is a higher variant card compared to Millennia

So does Regalia give vouchers on airline tickets and hotel bookings too via Smartbuy?

 

[Heehaahee]

So does Regalia give vouchers on airline tickets and hotel bookings too via Smartbuy?

U can use your reward points for flight/hotel bookings.. doesn't give vouchers but reward points, 5x for flights and 10x for hotel bookings with a capping .

 

[anonymuos]

U can use your reward points for flight/hotel bookings.. doesn't give vouchers but reward points, 5x for flights and 10x for hotel bookings with a capping .

Is this sensitive to MCC? Like if merchant uses some other MCC, RPs not given as is the issue with certain other banks? And is there a better card from other banks that trumps Regalia for flights and hotel bookings?

 

[Wealth is my birth right!]

Is this sensitive to MCC? Like if merchant uses some other MCC, RPs not given as is the issue with certain other banks? And is there a better card from other banks that trumps Regalia for flights and hotel bookings?

Yes Axis Bank atlas will be best for you
As u said every bank will have mcc concerns here and there which is the problem by merchant not bank

 

[rajcasio]

After 4 years usage i got 1450 RP.
Just redeemed 1420 points as Amazon gift card - INR 500.
Is there a fee for redeeming RP?

 

[Heehaahee]

After 4 years usage i got 1450 RP.
Just redeemed 1420 points as Amazon gift card - INR 500.
Is there a fee for redeeming RP?

Yes, 99+18%gst is charged

 

[Heehaahee]

Is this sensitive to MCC? Like if merchant uses some other MCC, RPs not given as is the issue with certain other banks? And is there a better card from other banks that trumps Regalia for flights and hotel bookings?

Smartbuy is Hdfc's legacy website, so not sensitive to MCC as such if using HDFC cards .

 

[b4bhar]

Yes to get accelerated rewards, log in using desktop on smartbuy and then purchase the desired item.

Damn, i placee the order using mobile payzapp app as pharmeasy only offer 25% discount on their app.

 

[rohan_nerd]

I had Regalia and Regalia Gold until recently and was using reward points to book flights on SmartBuy portal

Regalia gives 0.5 RS value per point for flight booking right?

 

[rafzy]

Regalia gives 0.5 RS value per point for flight booking right?

correct . .

 

[gibberish]

Koi nahi bhaiyo hum sab saath hain jinhone LTF Regalia liya hai Pre Covid era me. Regalia users ka bhi din aayega. Anyway i don't want to close it as it is my oldest credit card in portfolio. Would upgrade it whenever opportunity arrives. HDFC currently is offering me paid millenia upgrade, which i am not taking.

We are in same boat. Let me know if hdfc offers something good in future

 

[Arc_hit]

Depends on use cases, regalia is a travel card, more rewards on travel and hotel bookings, millennia is for online spends mostly.. in the eyes of HDFC, Regalia is a higher variant card compared to Millennia

Just got a regalia gold 2 days back ….are the reward points credited after every eligible transaction or is there a delay

 

[Heehaahee]

Just got a regalia gold 2 days back ….are the reward points credited after every eligible transaction or is there a delay

Credited after every eligible transaction excluding grocery and most probably insurance spends..

 

[helloworld]

A friend told me he upgraded from LTF Millennia to LTF Regalia purely for Smartbuy instant vouchers at higher discount otherwise it's a downgrade to Millennia

Thread 'AXIS Atlas vs HDFC Regalia Gold vs AXIS Horizon'

May 11, 2024

This is a wiki post, so anyone with appropriate permissions can edit and make necessary changes.

General Note:​

Redemption calculations are assumptions for illustrative purposes and may vary. Please confirm specific terms directly with card issuers.

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Terminology:​

• EM: Edge Miles (Axis Rewards)
• RP: Reward Points (HDFC Rewards)
• FYF: First Year Free
• JF: Joining Fee
• LTF: Lifetime Free
• AF: Annual Fee
• BV: Brand Vouchers (e.g., Regalia Gold Milestone Benefit)
• SFV: SmartBuy Flight Voucher...

• helloworld
• Replies: 47
• Forum: Credit Card Comparison

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[Tylerdurden]

Are the regalia gold rewards catalogue good.?

 

[helloworld]

Are the regalia gold rewards catalogue good.?

Regalia Gold

• Exclusive Gold Catalogue on select Premium brands via Smartbuy at a value of 1 RP = Rs 0.65
• Flights and hotel bookings via Smartbuy at a value of 1 RP = Rs 0.5
• Airmiles conversion through Netbanking or SmartBuy at a value of 1RP = upto 0.5 airmiles
• Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.35
• The redemption against the statement balance will be at the rate of 1 RP = Rs 0.20

If the intention is to redeem in catelogue or statement balance, consider "cashback" card for better net return compared to this card.