HDFC Bank has increased the dining earn rate on the HDFC Regalia Credit Card from 4 reward points per ₹150 to 6 reward points per ₹150 spent at restaurants, effective May 1, 2026. Because each point is worth ₹0.50, the new dining return works out to an effective 2% value back on restaurant spending. Existing Regalia cardholders are auto-enrolled into the revised structure, so there is no opt-in step, no promo code, and no application needed for the higher rate.
The update is narrowly targeted: it applies only to dining transactions on the HDFC Regalia Credit Card, while the annual fee remains ₹2,500 and the fee waiver threshold stays at ₹3 lakh annual spend. That means the card’s core economics improve without changing the cost of holding it. Compared with the old structure, the card now gives 50% more points on dining for the same spend, while the rest of the card’s fee framework remains unchanged. The bank has not announced any changes to non-dining earn rates, lounge access, or milestone benefits in this update.
For cardholders who spend heavily at restaurants, this is a meaningful gain versus competing premium cards that often cap accelerated dining earnings or restrict them to specific merchant categories. The HDFC Regalia now looks stronger for urban spenders who frequently dine out and already cross the ₹3 lakh annual spend mark to get the annual fee waived. New applicants do not get a separate launch offer here; the change is a rewards revision for existing and future HDFC Regalia cardholders once the new earn structure is live from May 1, 2026. Against cards like SBI Elite and ICICI Sapphiro, the Regalia’s dining value is now more competitive on a pure earn-rate basis.
To benefit, existing cardholders only need to keep using the HDFC Regalia Credit Card at restaurants after May 1, 2026. There is no enrollment page, no activation SMS, and no registration requirement mentioned by HDFC Bank. However, cardholders should watch for merchant classification, because the 6 points per ₹150 rate applies to restaurant dining and not necessarily to all food delivery or hospitality transactions. Also remember that the annual fee waiver still requires ₹3 lakh in annual spend, so users who are close to that threshold should plan their payments carefully to avoid the ₹2,500 fee.