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HDFC Regalia Gold Credit Card Flights, Hotels & IRCTC Trains Rewards Calculator
Calculate HDFC Regalia Gold Credit Card cashback on Flights, Hotels & IRCTC Trains. At 6.66% reward rate, earn up to ₹39,960 net value at ₹50,000/mo spend. Check monthly cap saturation and fee waiver rules.
Interactive Category Calculator
Estimate Flights, Hotels & IRCTC Trains Rewards
Simulate monthly spends to check cashback caps, 0% exclusion traps, and competitor switches.
₹30,000
₹1,000/mo₹50,000/mo₹1,00,000/mo
Monthly Cashback₹1,9986.66% effective rate
Annual Projected Cashback₹23,976on ₹3,60,000/yr spend
Monthly Cap Saturation₹4000/mo CapMaxes out at ₹60,060/mo
Spend Tier Simulations for Flights, Hotels & IRCTC Trains
| Monthly Spend | Annual Spend | Monthly Cashback | Annual Cashback | Effective Fee | Net Annual Benefit |
|---|---|---|---|---|---|
| ₹15,000 | ₹1,80,000 | ₹999 | ₹11,988 | ₹2,950 | +₹9,038 |
| ₹30,000 | ₹3,60,000 | ₹1,998 | ₹23,976 | ₹2,950 | +₹21,026 |
| ₹50,000 | ₹6,00,000 | ₹3,330 | ₹39,960 | ₹0 | +₹39,960 |
| ₹75,000 | ₹9,00,000 | ₹4,000 | ₹48,000 | ₹0 | +₹48,000 |
| ₹1,00,000 | ₹12,00,000 | ₹4,000 | ₹48,000 | ₹0 | +₹48,000 |
| ₹1,50,000 | ₹18,00,000 | ₹4,000 | ₹48,000 | ₹0 | +₹48,000 |
| ₹2,00,000 | ₹24,00,000 | ₹4,000 | ₹48,000 | ₹0 | +₹48,000 |
Frequently Asked Questions
What reward rate does HDFC Regalia Gold Credit Card earn on Flights, Hotels & IRCTC Trains?▼
HDFC Regalia Gold Credit Card earns an effective reward rate of 6.66% on Flights, Hotels & IRCTC Trains.
What is the monthly cap for Flights, Hotels & IRCTC Trains on HDFC Regalia Gold Credit Card?▼
The monthly reward is capped at ₹4,000. At a 6.66% reward rate, you reach this cap at ₹60,060 monthly category spend.
Which alternative card is best for Flights, Hotels & IRCTC Trains?▼
The #1 recommended alternative is HDFC Diners Club Black Metal Edition, offering a 16.5% reward rate delivering ₹87,200 net annual value at ₹50,000/month spend.
How much cashback do I lose at ₹50,000 monthly spend with HDFC Regalia Gold Credit Card?▼
At ₹50,000/month, all rewards are fully credited without hitting monthly caps.