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HDFC Regalia Gold Credit Card Scan & Pay Merchant UPI Rewards Calculator
Calculate HDFC Regalia Gold Credit Card cashback on Scan & Pay Merchant UPI. At 1.33% reward rate, earn up to ₹7,980 net value at ₹50,000/mo spend. Check monthly cap saturation and fee waiver rules.
Interactive Category Calculator
Estimate Scan & Pay Merchant UPI 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₹3991.33% effective rate
Annual Projected Cashback₹4,788on ₹3,60,000/yr spend
Monthly Cap Saturation₹4000/mo CapMaxes out at ₹3,00,752/mo
Spend Tier Simulations for Scan & Pay Merchant UPI
| Monthly Spend | Annual Spend | Monthly Cashback | Annual Cashback | Effective Fee | Net Annual Benefit |
|---|---|---|---|---|---|
| ₹15,000 | ₹1,80,000 | ₹200 | ₹2,394 | ₹2,950 | +-₹556 |
| ₹30,000 | ₹3,60,000 | ₹399 | ₹4,788 | ₹2,950 | +₹1,838 |
| ₹50,000 | ₹6,00,000 | ₹665 | ₹7,980 | ₹0 | +₹7,980 |
| ₹75,000 | ₹9,00,000 | ₹998 | ₹11,970 | ₹0 | +₹11,970 |
| ₹1,00,000 | ₹12,00,000 | ₹1,330 | ₹15,960 | ₹0 | +₹15,960 |
| ₹1,50,000 | ₹18,00,000 | ₹1,995 | ₹23,940 | ₹0 | +₹23,940 |
| ₹2,00,000 | ₹24,00,000 | ₹2,660 | ₹31,920 | ₹0 | +₹31,920 |
Frequently Asked Questions
What reward rate does HDFC Regalia Gold Credit Card earn on Scan & Pay Merchant UPI?▼
HDFC Regalia Gold Credit Card earns an effective reward rate of 1.33% on Scan & Pay Merchant UPI.
What is the monthly cap for Scan & Pay Merchant UPI on HDFC Regalia Gold Credit Card?▼
The monthly reward is capped at ₹4,000. At a 1.33% reward rate, you reach this cap at ₹300,752 monthly category spend.
Which alternative card is best for Scan & Pay Merchant UPI?▼
The #1 recommended alternative is Axis Bank Atlas Credit Card, offering a 4.0% reward rate delivering ₹18,100 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.