Regalia Gold is a very decent card. I used it for more than 8 lakhs in a year then got upgraded to DCB 3 months back. You can download HDFC PayZapp App on your mobile then can use your card to purchase great collection of brand vouchers, book flights, trains, hotels, holiday packages etc. Reward points will get accrued in your rewards account linked with your card which you can later redeem while booking hotels, flights or purchasing products from Smartbuy portal. I got 45k + reward points within 3 months with DCB. Go for it.