HDFC Bank Regalia Credit Card

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The HDFC Bank Regalia Credit Card is a great choice for anyone looking for a credit card with travel and lifestyle benefits. For an annual fee of ₹2,500, you get 2,500 bonus Reward Points. The card offers benefits like free access to airport lounges, both in India and abroad, and you can earn 4 Reward Points for every ₹150 spent. These points can be redeemed for rewards worth ₹0.5 per point. The card also has low foreign currency markup fees, making it ideal for international travel. Other perks include dining discounts, 24/7 concierge services, and more, making it a popular card from HDFC.

This card is one of the most popular credit cards in India because of its good rewards and travel benefits at a reasonable fee. With a reward rate of 2.66% and a 2:1 redemption ratio for air miles and hotel bookings, it provides good value for travelers. Cardholders can make the most of their rewards and save on travel costs. Lounge access and low foreign exchange markup are additional benefits, especially for international transactions. While domestic lounge access requires spending ₹1 Lakh in a quarter, international lounge access is available without any conditions. This makes the HDFC Regalia Credit Card a solid option for those who want a card that covers both travel and lifestyle needs.

Credit Card Detail
HDFC Bank Regalia Credit Card
Joining Fee
Rs. 2500.00 +GST
Renewal Fee
Rs. 2500.00 +GST
Best Suited For
Travel | Shopping | Movies
Reward Type
Reward Points
Welcome Benefits
Get 2,500 bonus Reward points
Apply Now
Rewards Rate
Earn 4 reward points for every Rs. 150 you spend.
Reward Redemption
1 Reward Point (RP) = Rs. 0.5 when redeemed for flights and hotel bookings on the HDFC Smartbuy website. 1 RP = up to Rs. 0.35 for redeeming against vouchers and products, 1 RP = Rs. 0.20 for cashback, and 1 RP = 0.5 air miles when converted to air miles.
Movie & Dining
Enjoy up to 20% off at partner restaurants with Swiggy Dineout, available exclusively when you pay through the Swiggy app.
Travel
Get complimentary access to domestic and international airport lounges, along with travel-related insurance benefits.
Golf
N/A
Domestic Lounge Access
Enjoy 8 free airport lounge accesses annually within India.
International Lounge Access
Enjoy 6 free airport lounge accesses annually outside India with Priority Pass.
Insurance Benefits
Get insurance coverage of Rs. 1 Crore for accidental air death and up to Rs. 15 lakhs for emergency hospitalization abroad.
Interest Rates
3.6% monthly or 43.2% per year
Spend-Based Waiver
Waive the annual fee (from the second year onwards) by spending over 3 lakh in the previous year.
Rewards Redemption Fee
Rs 99 + taxes
Cash Advance Charges
2.5% of the transaction amount or Rs. 500, whichever is greater.
Foreign Currency Markup
2.00% +GST
Fuel Surcharge
Get a 1% fuel surcharge discount at any fuel station in India on transactions ranging from Rs. 400 to Rs. 5000.
Card Details
  • Welcome Bonus: Get 2,500 Reward Points as a welcome benefit.
  • Reward Points: Earn 4 Reward Points for every ₹150 spent on retail purchases, including insurance. Each point can be redeemed as ₹0.5 for flights and hotels through Smartbuy, 0.5 air miles via Netbanking, up to ₹0.35 for products and vouchers, or ₹0.20 for cashback.
  • Bonus Reward Points: Earn 15,000 bonus Reward Points by spending ₹8 lakh in an anniversary year. Enjoy milestone benefits with 10,000 points on spending ₹5 lakh and an additional 5,000 points on reaching ₹8 lakh within the same period.
  • Dining Discounts: Enjoy up to 20% off at partner restaurants via Swiggy Dineout.
  • Lounge Access: Enjoy complimentary Priority Pass membership with 6 free lounge visits outside India and 12 within India. Additionally, you can access 8 free airport lounge visits per calendar year (2 per quarter) when spending ₹1 lakh or more in a quarter. One add-on member is allowed with the Priority Pass membership.
  • Foreign Transaction Fees: Low 2% fee on international transactions.
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver, up to ₹500 per month, on transactions between ₹400 and ₹5,000 at fuel stations across India.
  • Insurance: The travel insurance benefits include ₹1 crore air accident death cover, ₹15 lakh emergency overseas hospitalization cover, and ₹9 lakh credit liability cover.
  • Concierge Services: 24/7 concierge services for a convenient travel experience.
  • Annual Fee Waiver: Waive the ₹2,500 annual fee on spending ₹3 lakh in the preceding year.
Pros/Cons
Pros
- Enjoy bonus reward points as a welcome benefit, along with a high reward rate. Benefit from a low 2% forex markup fee and get complimentary domestic and international lounge access with Priority Pass membership.
Cons
- Regalia Gold has the same joining fee but offers better benefits and redemption options. However, some spending categories don't earn reward points, and points expire after 2 years from the date they are earned.
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Frequently Asked Questions

Who can apply for the HDFC Regalia Credit Card?

Indian residents with a monthly income above Rs. 10 lakh or self-employed individuals with an ITR of over Rs. 12 lakh can apply.

Is the HDFC Regalia a premium card?

Yes, it’s a premium card that offers high credit limits, special benefits, and rewards for high-income individuals.

Is the HDFC Regalia card lifetime free?

No, it isn’t lifetime free, but you may get a fee reversal based on your spending, along with discounts and offers.

How can I apply for the Regalia Credit Card?

You can apply online on HDFC Bank’s website or visit a branch to apply in person.

What salary do I need to apply for the Regalia Credit Card?

You need a minimum monthly salary of Rs. 1 lakh, or a self-employed person must have an ITR of more than Rs. 12 lakh per year.

Can I recharge my mobile using the Regalia card?

Yes, you can recharge your prepaid mobile using the HDFC Regalia portal.

How can I check my credit card statement online?

You can view it by logging into HDFC Bank’s net banking portal.

Is the HDFC Regalia Credit Card good for travel?

Yes, it’s ideal for travelers, offering great rewards on travel-related spending.

What’s the maximum limit on the HDFC Regalia Credit Card?

The maximum limit depends on your income and credit score, as decided by HDFC Bank.

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