HDFC Regalia Gold Credit Card on Petrol (any pump)

How it works

Myntra/Nykaa assume 5X = 25 points per ₹200 at ₹0.50 each. HDFC's 5X terms don't say whether this includes the base 5 points, so the real rate may be lower. Base 5 per ₹200 = 1.25% at ₹0.50.

Caps & rules

• 5 points per ₹200 since 15 May 2026.
• 5X at Myntra, Nykaa, Reliance Digital and Marks & Spencer, capped at 5,000 bonus points per month (min ₹200 per transaction).
• Grocery and insurance points capped at 2,000 per month each.
• Max 50,000 points per cycle.
• Point value ₹0.50 on SmartBuy flights/hotels, lower as statement credit.

Reward limits

• 5X points at Myntra, Nykaa, Reliance Digital and Marks & Spencer: max 5,000 bonus points per month
• Points on grocery: max 2,000 points per calendar month
• Points on insurance: max 2,000 points per month
• All reward points on the card: max 50,000 points per statement cycle

No rewards on

Fuel, rent, government, wallet loads, EasyEMI