Elevate your lifestyle with premium rewards, exclusive lounge access, and exceptional travel benefits
Earn 4 Reward Points for every ₹150 spent on retail purchases
Up to 8 domestic and 6 international complimentary lounge visits per year
Annual fee waived on ₹3 lakh spends
Enter your details to get started
| Benefit | Details |
|---|---|
| Welcome Bonus | Earn 2,500 Reward Points on joining fee payment |
| Milestone Benefits | Get 10,000 Reward Points on spending ₹5 lakh annually, plus 5,000 bonus points on ₹8 lakh spends |
| Complimentary Lounge Access | Enjoy up to 8 domestic lounge visits per year (spend-based) and 6 international lounge visits via Priority Pass |
| Low Forex Markup | Pay only 2% + GST on international transactions - one of the lowest among premium cards |
| Fuel Surcharge Waiver | Save 1% on fuel surcharges at petrol pumps across India (up to ₹500 per billing cycle) |
| SmartBuy Accelerated Rewards | Earn 10X points on hotels and 5X points on flight bookings through HDFC SmartBuy |
| Dining Benefits | Get up to 20% discount at partner restaurants via Swiggy Dineout with Good Food Trail programme |
| Comprehensive Insurance | Air accident cover of ₹1 crore, overseas medical cover of ₹15 lakh, and credit liability cover of ₹9 lakh |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Premium Lifestyle & Travel |
| Type of Card | Visa / Mastercard Credit Card |
| Free or Paid | ₹2,500 + GST Annually (waived on spends of ₹3 lakh) |
The HDFC Regalia Credit Card is designed for discerning individuals who seek premium lifestyle benefits combined with exceptional travel rewards. This card has been one of India's most popular all-round credit cards for well over a decade, with a key strength being its good reward rate for a low annual fee, coupled with good travel benefits. Whether you're a frequent traveler looking for airport lounge access, a savvy shopper wanting high reward rates, or someone who values comprehensive insurance coverage, the Regalia Credit Card delivers outstanding value across multiple spending categories.
Important Note: HDFC Bank is no longer accepting applications for Regalia Credit Card, and existing cardholders can continue using the card. However, HDFC Bank now offers the Regalia Gold Credit Card as an upgraded alternative with enhanced benefits. This content is provided for informational purposes for existing cardholders.
Premium Reward Programme: The card operates on HDFC Bank's robust Reward Points system, allowing you to earn 4 Reward Points for every ₹150 spent on retail transactions. These points can be redeemed for flights, hotel bookings, merchandise, vouchers, air miles, or statement credit through the HDFC SmartBuy portal.
SmartBuy Multipliers: Maximise your rewards by booking through HDFC SmartBuy portal where you earn 10X rewards on hotel bookings and 5X rewards on flight bookings, significantly amplifying your reward accumulation for travel spends.
Welcome & Milestone Benefits: The card welcomes you with 2,500 bonus Reward Points upon joining fee payment. Additionally, earn 10,000 Reward Points when you spend ₹5 lakh in an anniversary year, plus an extra 5,000 Reward Points when you reach ₹8 lakh in spends - offering substantial value for regular cardholders.
Airport Lounge Access: Access domestic airport lounges by spending ₹1 lakh or more in a calendar quarter to receive up to 2 complimentary lounge access vouchers, with a maximum of 8 visits per calendar year. For international travel, after completing a minimum of 4 retail transactions, you can apply for Priority Pass membership for yourself and add-on cardholders to enjoy up to 6 complimentary visits per calendar year to lounges outside India.
Low Foreign Currency Markup: The card charges a very low foreign currency markup of 2% + GST on international transactions, making it one of the most cost-effective premium cards for overseas spending and international travel.
Fuel Benefits: Enjoy 1% fuel surcharge waiver on transactions between ₹400 to ₹5,000 at all petrol pumps across India, with a maximum benefit of ₹500 per billing cycle - helping you save on your regular fuel expenses.
Dining Privileges: Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application with the Good Food Trail programme, offering excellent savings on dining experiences across thousands of restaurants.
Fee Waiver Opportunity: The annual fee of ₹2,500 for the next year can be waived by spending ₹3 lakh within the preceding year, making it effectively free for regular users who meet this achievable spending threshold.
Comprehensive Insurance Coverage: Cardholders are eligible for air accident death cover of ₹1 crore, emergency overseas hospitalisation cover of up to ₹15 lakh, and credit liability cover of up to ₹9 lakh, providing peace of mind during your travels.
Interest-Free Credit: Enjoy up to 50 days of interest-free credit period on your purchases from the date of transaction, giving you flexibility in managing your cash flow without any interest charges when you pay your bill in full.
This card is particularly valuable for individuals who travel regularly, spend significantly on dining and shopping, and want a premium card with comprehensive benefits at a reasonable annual fee that can be easily waived.
Base Reward Rate
Earn 4 Reward Points for every ₹150 spent on all eligible retail transactions
Applicable across categories including shopping, dining, groceries, entertainment, and utility bills
Minimum transaction of ₹150 required to earn Reward Points
Consistent earning rate across all retail spends makes it easy to accumulate points
SmartBuy Accelerated Rewards
Earn 10X Reward Points (40 points per ₹150) on hotel bookings through HDFC SmartBuy portal
Earn 5X Reward Points (20 points per ₹150) on flight bookings through HDFC SmartBuy
Weekend dining transactions earn 2X Reward Points at partner restaurants
Department store purchases earn accelerated 2X Reward Points
Joining Bonus
Earn 2,500 Reward Points on successful payment of joining fee
Reward Points credited to your account upon fee realisation
Immediate benefit that offsets a portion of your joining fee cost
Anniversary Rewards - Tier 1
Earn 10,000 Reward Points on spending ₹5 lakh or more in an anniversary year
Equivalent to approximately ₹3,000 in redemption value for flights/hotels
Substantial bonus that rewards regular card usage
Anniversary Rewards - Tier 2
Earn additional 5,000 Reward Points on spending ₹8 lakh or more in an anniversary year
Combined with Tier 1, you get 15,000 total bonus points for ₹8 lakh spends
Maximum milestone benefits designed for high-spend users
Domestic Lounge Access
Spend ₹1 lakh or more in a calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec) to qualify for up to 2 complimentary lounge access vouchers per quarter
Maximum of 8 complimentary visits to domestic airport lounges per calendar year
Visit Regalia SmartBuy page, navigate to Lounge Benefits section, and generate your lounge access voucher which will be sent via SMS/Email
E-voucher contains QR code to be scanned at lounge terminals
Access to lounges at major airports including Delhi, Mumbai, Chennai, Kolkata, Bangalore, Hyderabad, Ahmedabad, Cochin, and Pune
International Lounge Access
Complete minimum of 4 retail transactions on your HDFC Bank Regalia Credit Card to apply for Priority Pass membership
You and your add-on member can together avail up to 6 complimentary lounge accesses per calendar year outside India
If you exceed the 6 complimentary visits, you will be charged US$27 + GST per visit
Access to over 1,000 airport lounges globally through Priority Pass network
Guest visits also charged at US $27 + GST per visit
Travel Concierge Services
Access to HDFC Bank's travel concierge assistance service
Helps customize your travel experience with expert guidance
Available for booking assistance and travel-related queries
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions at all petrol pumps across India
Applicable on transactions between ₹400 and ₹5,000
Maximum waiver of ₹500 per billing cycle
Note: Reward Points are not earned on fuel transactions
Good Food Trail Programme
Get up to 20% off on partner restaurants via Swiggy Dineout when payment is made through the Swiggy application
Access to exclusive dining offers and priority reservations
Wide network of partner restaurants across India
Combine with other offers for maximum savings
Redemption Options
Flights: Redeem at 1 RP = ₹0.50 for bookings on HDFC SmartBuy (up to 70% of booking value)
Hotels: Redeem at 1 RP = ₹0.50 for hotel bookings on HDFC SmartBuy (up to 70% of booking value)
Air Miles: Convert at 1 RP = 0.5 air mile for airline loyalty programmes
Vouchers & Products: Redeem at 1 RP = up to ₹0.35 for vouchers and merchandise
Statement Credit: Cash back redemption at 1 RP = ₹0.20 (capped at 50,000 points per month)
Experiences: Redeem for exclusive experiences through SmartBuy portal
Reward Points Validity
Reward points are valid for 2 years from the date of accrual
Track your points regularly and plan redemptions to maximise value
Points can be combined from primary and add-on cards
Air Accident Cover
₹1 crore accidental air death cover
Protection for unprecedented bodily injury resulting in death within 12 months
Automatic coverage for all cardholders
Emergency Medical Coverage
₹15 lakh emergency overseas hospitalisation cover
Valid for sudden sickness or bodily injury during international travel
Provides peace of mind while traveling abroad
Credit Liability Cover
Up to ₹9 lakh credit liability cover
Protection against unauthorised transactions in case of card loss or theft
Zero liability on fraudulent transactions when reported immediately
Credit Period
Up to 50 days of interest-free credit on purchases from the date of transaction
Subject to full payment by the due date
Helps manage cash flow effectively without interest charges
Flexible Payment Option
If you don't pay the full amount by the due date, remaining balance carried forward as revolving credit
Interest charges apply as per the card's APR on unpaid balances
Minimum amount due payment option available
Exclusions for Reward Points
Reward Points are not earned on the following transactions:
Fuel purchases
Cash advances and cash withdrawals at ATMs
Card fees and charges
EMI transactions
E-wallet loading transactions (Paytm, PhonePe, etc.)
Transactions converted to SmartEMI
Railway ticket purchases
Rent payments
Insurance transactions
Transactions at certain merchant categories as determined by the bank
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹2,500 + GST (~₹2,950) | One-time charge when the card is issued |
| Annual Fee | ₹2,500 + GST (~₹2,950) | Charged every year. Waived if annual spends are ₹3 lakh or more within the preceding 12 months |
| Interest Rate (APR) | 3.49% per month (41.88% annually) | Applicable on outstanding balances not paid by the due date |
| Foreign Currency Markup | 2% + GST (~2.36%) | One of the lowest forex markups among premium cards; applicable on all international transactions |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Applicable on all cash withdrawals from ATMs |
| Cash Advance Limit | Up to 40% of credit limit | Maximum amount available for cash withdrawal |
| Overlimit Penalty | 2.5% of overlimit amount (minimum ₹550) | Charged when spending exceeds the assigned credit limit |
| Payment Return Charges | 2% of payment amount (minimum ₹450) | Charged when payment cheque/instrument is returned or dishonoured |
| Cash Processing Fee | ₹100 | Applicable for card payments made at HDFC Bank branches or ATMs |
| Balance Transfer Processing Fee | 1% of transfer amount or ₹250 (whichever is higher) | Applicable when you transfer balance from other credit cards |
| Duplicate Physical Statement | ₹10 per statement | Charged for requesting duplicate physical credit card statements |
| Railway Ticket Purchase Fee | 1% of transaction amount + GST | Charges typically reversed after transaction completion |
| Late Payment Charges | As per HDFC Bank policy | Applicable if minimum amount due is not paid by the due date; varies by outstanding amount |
| Add-on Card Fee | Nil | No charges for add-on cards; complimentary for immediate family members |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 21 and 60 years for salaried, 21 to 65 years for self-employed |
Citizenship | Must be a Resident Indian |
Credit Score | Good CIBIL score (ideally 750-900) recommended for approval |
Income - Salaried | Minimum monthly income of ₹1 lakh (₹12 lakh annually) |
Income - Self-Employed | Minimum annual income of ₹12 lakh with consistent business income |
Employment | Salaried employees or self-employed professionals/businesspersons with stable income |
Existing Relationship | Can be applied by both existing and new HDFC Bank customers; existing customers may get faster approval |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving License, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving License, Voter ID Card, Recent Utility Bill (electricity/telephone/gas) not older than 3 months, Bank account statement |
| Income Proof | For Salaried: Latest salary slips (last 2-3 months), Bank statements (last 3-6 months), Form 16, ITR copy with computation of income. For Self-Employed: ITR for last 2 years, Bank statements (last 6 months), Audited financial statements, GST returns, Business proof |
| PAN Card | Mandatory for all credit card applications as per RBI guidelines; must be linked with Aadhaar |
| Passport-size Photograph | Recent colour photograph (not older than 3 months) |
Important Note: HDFC Bank has phased out new applications for the Regalia Credit Card. Existing cardholders can continue to use the card. New applicants are encouraged to apply for the HDFC Regalia Gold Credit Card.
Visit HDFC Bank Website or Branch: Navigate to the HDFC Bank credit cards section online or visit your nearest HDFC Bank branch for in-person assistance.
Fill Application Form: Provide personal details including name, date of birth, contact information. Enter employment details and financial information.
Submit Required Documents: Upload or submit scanned copies of all required documents. Ensure all documents are clear, valid, and meet bank requirements.
Approval & Card Delivery: Receive approval communication via SMS/email. Card dispatched to registered address within 7-10 working days post-approval.
| Usage Tips | Details |
|---|---|
Activate Your Card | Call HDFC Bank customer care or use NetBanking/Mobile Banking to activate your card immediately upon receipt. Set your 4-digit PIN securely. |
Apply for Priority Pass | Complete minimum 4 retail transactions, then apply for Priority Pass membership for international lounge access through NetBanking or customer care. |
Use SmartBuy for Travel | Book flights and hotels through HDFC SmartBuy portal (offers.smartbuy.hdfcbank.com) to earn 5X-10X rewards instead of base 4 points. |
Meet Quarterly Spend for Lounges | Spend ₹1 lakh or more each quarter to unlock 2 domestic lounge access vouchers. Generate vouchers from SmartBuy Regalia portal. |
Maximize Milestone Benefits | Plan your annual spends to reach ₹5 lakh (10,000 bonus points) and ₹8 lakh (additional 5,000 points) for maximum rewards. |
Track Lounge Vouchers | Log into SmartBuy Regalia portal regularly to check milestone progress and generate lounge vouchers after meeting quarterly spend criteria. |
Use for Fuel Smartly | Fill up between ₹400-₹5,000 per transaction to get 1% fuel surcharge waiver (up to ₹500/month). Remember, fuel spends don't earn Reward Points. |
Maintain Annual Spend | Spend ₹3 lakh within the year to get next year's annual fee waived, effectively making the card free. |
Dine Through Swiggy Dineout | Use Swiggy application to pay at partner restaurants to get up to 20% discount under Good Food Trail programme. |
Pay Bills on Time | Always pay at least the minimum amount due by the due date to avoid late fees, interest charges, and maintain a good credit score. |
Monitor Reward Points | Log into NetBanking or SmartBuy portal to track earned points, check expiry dates (2 years), and plan redemptions strategically. |
Use for International Transactions | With only 2% + GST forex markup, this card is excellent for international spends - one of the lowest rates among premium cards. |
Redeem Points Wisely | For best value, redeem points for flights/hotels on SmartBuy (₹0.50 per point) rather than statement credit (₹0.20 per point). |
Enable International Transactions | Before travelling abroad, enable international transactions through NetBanking, Mobile Banking, or customer care to avoid declined transactions. |
The HDFC Regalia Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.