HDFC Bank Regalia Credit Card

If you’re a regular spender, or more importantly, a frequent traveller, you should definitely check out the HDFC Bank Regalia Credit Card. This is a premium card, and many users are currently upgrading to the Regalia Gold version, which offers slightly better perks and rewards. With this card, you’ll also get access to airport lounges in India and internationally, so you won’t have to wait at a crowded gate during your layover.

And, with every spending of ₹150 you will earn about 4 reward points, which you can later use for flight bookings, hotel stays, shopping vouchers, or converting into air miles. Also, you can increase your reward points up to 5X by using HDFC’s SmartBuy platform.

Here’s one more thing: if you spend ₹3 to ₹4 lakh yearly, your annual fee of ₹2,500 will be cancelled, so it will almost feel free. That is a simple overview of HDFC Regalia. Go through everything properly before you choose.

HDFC Bank Regalia Credit Card

Joining Fee

Rs. 2,500 + GST

Renewal Fee

Rs. 2,500 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

2,500 bonus Reward points

HDFC Bank Regalia Credit Card Fees and Charges

Fee Type	Charges
Joining Fee	₹2,500 + GST
Annual Fee	₹2,500 + GST
Annual Fee Waiver	Waived if you spend around ₹3 lakh in a year
Interest Rate	Around 3.49% to 3.75% per month
Foreign Currency Markup	About 2% on international transactions
Cash Advance Fee	2.5% or ₹500, whichever is higher
Late Payment Charges	₹100 to ₹1,300 depending on outstanding amount
Overlimit Charges	Around 2.5% of the overlimit amount
Payment Return Charges	Around 2% (minimum ₹450)
Reward Redemption Fee	May apply depending on redemption type

HDFC Bank Regalia Credit Card Pros and Cons

These pros and cons will help you decide whether this card is right for you

Pros	Cons
It’s good if you travel many times, as you can get access to lounges for free. Feels almost free if you spend enough each year.	Rewards are average, not great for cashback. Some benefits require higher spending to fully enjoy.

HDFC Bank Regalia Credit Eligibility Criteria

Eligibility criteria differ for salaried and self-employed individuals. Please make sure you apply in the correct category.

For Salaried people

Your Age should be between 21 and 60 years.
Your monthly salary should be ₹1,00,000 or greater
A good credit score increases the likelihood of approval.

For Self-Employed Individuals

Your age should be between 21 and 65 years.
Your annual income (ITR) should be ₹12,00,000 or more.
A strong credit score and proper documents help with faster approval.

HDFC Bank Regalia Credit Rewards and Benefits

HDFC Reward Points

Each time you use this card to make a purchase, pay a bill, place a food order or make any other payment, you earn reward points. You can use these points to book flights and hotels or receive shopping vouchers. Also, when you do travel booking through HDFC SmartBuy, you receive additional reward points.

Complimentary Lounge Access

You can use this card to enter airport lounges for free. It’s better than waiting in the crowded airport for your flight; you can relax in a lounge and have a more comfortable experience.

Milestone Rewards

If you spend more with the card during the year, you can get extra rewards or vouchers as a bonus.

Dining and Lifestyle Offers

You can get discounts at some restaurants, shopping brands, and lifestyle services from time to time.

Other Benefits

The card includes travel insurance, fuel surcharge waiver at petrol pumps, and the option to convert large purchases into EMIs.

HDFC Bank Regalia Credit Card

HDFC Bank Regalia Credit Card

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

HDFC Bank Regalia Credit Card Fees and Charges

HDFC Bank Regalia Credit Card Pros and Cons

Pros

Cons

HDFC Bank Regalia Credit Eligibility Criteria

HDFC Bank Regalia Credit Rewards and Benefits

HDFC Reward Points

Other Benefits

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