WordsA spend target with a reward
Milestone
A reward for spending a set amount on a card within a period, from a calendar month to a card year: bonus points, a voucher, a membership. HDFC Bank’s Regalia Gold terms, for example, give a voucher worth ₹1,500 for ₹1,50,000 of spends in a calendar quarter, and a flight ticket worth ₹5,000 for ₹7,50,000 in a card year.
How spends count is set in each card’s terms; the Regalia Gold terms count net retail spends by the date each one posts, leave EMI spends out, take refunds back off the total, and start again from zero if the card is upgraded or replaced. The reward has to be claimed within 60 days of the period ending.
Where this comes from
- HDFC Bank, Regalia Gold Milestone Benefits Terms and ConditionsPDF of 14 July 2026 (date from its properties): welcome, quarterly and annual milestone benefits
- American Express, Membership Rewards Credit CardRead 4 October 2026, undated: key benefits, monthly spend milestone
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What happened to members, not financial advice. Offers change, so check with the bank. Terms of use