If you hold the HDFC Regalia Credit Card, this is the kind of update that can actually change how we route our restaurant spends. HDFC Bank is raising dining rewards from 4 to 6 reward points per ₹150 spent at restaurants, and the change kicks in effective May 1, 2026. Even better, existing Regalia cardholders are auto-enrolled, so there’s nothing extra we need to do to start earning at the new rate.
Here’s the full picture. The card’s reward value stays the same at ₹0.50 per point, which means the higher earn rate directly improves the value proposition for dining transactions. HDFC has also kept the annual fee at ₹2,500, with the fee waived on ₹3 lakh annual spend. That matters because this is not one of those “better rewards, worse fee” trade-offs. For current cardholders, the upgrade is clean: more points on restaurant bills, no fee hike, and no enrollment hassle.
For anyone who uses Regalia regularly, this is a meaningful improvement. Dining is one of the easiest categories to optimize because it’s frequent, predictable, and often large enough to matter. A jump from 4 to 6 points per ₹150 is a real step up, especially for people who already prefer Regalia for its broader premium-card ecosystem. If you compare it with cards that only give flat cashback or weaker dining returns, this update makes Regalia more competitive for everyday food spends.
What I like most is that HDFC has chosen to improve a core lifestyle category without touching the fee structure. That’s a rare bit of good news in a market where banks usually find ways to trim benefits instead of expanding them. For cardholders who dine out often, this makes Regalia easier to justify as a primary wallet card for restaurant bills. For everyone else, it’s a reminder to check whether your monthly dining spend is high enough to make the card’s annual fee worth paying.
What You Should Do: If you already have the Regalia, start routing restaurant spends to it from May 1, 2026 onward. If you’re considering the card, compare your expected dining spend against the ₹2,500 annual fee and the ₹3 lakh annual spend waiver before applying. This is one of those updates that rewards active users more than casual holders.