Key Benefits
4 RP/Rs 150, up to 10x on SmartBuy, Rs 1Cr insurance, 2% forex
Lounge Access
8 domestic + 6 international lounges per year
Eligibility
Min income Rs 1L/month salaried, age 21-60, CIBIL 730+
The HDFC Regalia Credit Card offers a well-rounded travel and rewards package at a reasonable annual fee. While Regalia Gold has surpassed it in some areas, Regalia remains excellent for regular spenders who maximize SmartBuy rewards and value comprehensive lounge access and travel insurance.
Best For
Frequent travelers seeking lounge access, SmartBuy shoppers wanting accelerated rewards, and those who value travel insurance and low forex markup.
Not Ideal For
Low spenders who cannot meet Rs 3L fee waiver threshold, fuel-heavy spenders, and those seeking premium perks like golf or higher reward rates.
visits per year
2 complimentary visits per calendar quarter for self and add-on member. Requires minimum Rs. 1 lakh spend in the preceding quarter.
visits per year
Complimentary Priority Pass membership for self and add-on members. Apply after 4 retail transactions. Additional visits charged at USD 27 + GST per person.
All Spends
Travel
Flights via SmartBuy (5x)
Shopping
Flipkart/Rail via SmartBuy (3x)
Insurance Transactions
Grocery
Utility Bills
Telecom Transactions
UPI Credit Card Transactions
Redeem your Regalia Reward Points for cashback, travel, and more
SmartBuy Flights & Hotels
Redeem up to 70% of booking value via reward points. Capped at 50,000 points per month.
Air Miles Conversion
1:0 transfer ratio
1 RP = 0.5 air mile. Convert via Netbanking.
Statement Credit
1:1 transfer ratio
Statement Cashback
Cashback redemption capped at 50,000 points per month.
SmartBuy
1:1 transfer ratio
InterMiles
10:2 transfer ratio
Instant
Finnair Plus
1:1 transfer ratio
Club
1:1 transfer ratio
Via HDFC SmartBuy portal
Miles&Smiles
2:1 transfer ratio
Asia Miles
2:1 transfer ratio
Royal Orchid Plus
2:1 transfer ratio
Aeroplan
10:2 transfer ratio
Avios
10:2 transfer ratio
MileagePlus
10:2 transfer ratio
LifeMiles
10:2 transfer ratio
Skywards
10:2 transfer ratio
Etihad Guest
10:2 transfer ratio
KrisFlyer
10:2 transfer ratio
1-3 Business Days
AirAsia Rewards
10:2 transfer ratio
SpiceClub
10:2 transfer ratio
Radisson Rewards
2:1 transfer ratio
Club ITC
10:2 transfer ratio
Bonvoy
10:2 transfer ratio
ALL
10:2 transfer ratio
Wyndham
10:2 transfer ratio
IHG One
10:2 transfer ratio
Apple
1:1 transfer ratio
Products & Vouchers
Redeem up to 70% of product/voucher value. Balance payable via credit card.
Catalogue
1:1 transfer ratio
2,500 bonus Reward Points (worth Rs. 1,250 for travel bookings) on realization of joining fee.
value
10,000 bonus Reward Points (worth Rs. 5,000) on spending Rs. 5 lakhs in the anniversary year.
Spend ₹5,00,000 within 365 days
value
Additional 5,000 bonus Reward Points (worth Rs. 2,500) on spending Rs. 8 lakhs in the anniversary year.
Spend ₹8,00,000 within 365 days
value
2,500 bonus Reward Points on realization of renewal fee (not applicable when fee is waived).
value
Concierge
100.00% off
24x7 exclusive concierge services for travel, dining, entertainment, and lifestyle needs.
Dining
7.50% off
Up to 7.5% discount on partner restaurants via Swiggy Dineout when paying with Regalia card.
Custom
Link card on PayZapp for additional cashback on utility bills, mobile recharges and Rs 1000 cashback on shopping.
See how this card performs in different spending categories compared to other cards.
The HDFC Regalia Credit Card is one of India's most popular premium credit cards, offering a compelling mix of travel benefits, reward points, and lifestyle privileges. With an annual fee of just Rs. 2,500 (waivable on Rs. 3 lakh annual spend), it provides excellent value for frequent travelers and regular spenders.
Key highlights include complimentary domestic and international airport lounge access, up to 10x reward points on SmartBuy bookings, comprehensive travel insurance worth Rs. 1 crore, and a low 2% foreign currency markup. The card has been a staple in the HDFC Bank premium card lineup for over a decade.
The HDFC Regalia Credit Card is a premium Visa Signature credit card issued by HDFC Bank, designed for individuals with higher income levels who value travel, dining, and lifestyle benefits.
Note: Anniversary year is 12 months from card setup or last upgrade/downgrade date. Only valid retail spends are considered. Bonus points are posted within 2 days of milestone achievement.
The HDFC Regalia Credit Card offers up to 8 complimentary domestic airport lounge visits per year (2 per calendar quarter for self and add-on members).
You earn 4 Reward Points for every Rs. 150 spent on retail purchases, giving a base earning rate of ~2.67% at best redemption value.
Fuel, EMI conversions, e-wallet loading, rent payments, and government transactions do not earn reward points.
| Method | Value per Point |
|---|---|
| Flights/Hotels via SmartBuy | Rs. 0.50 |
| Products and Vouchers | Up to Rs. 0.35 |
| Air Miles Conversion | 1 RP = 0.5 Air Mile |
| Cashback to Statement | Rs. 0.20 |
Redemption fee of Rs. 99 applies per request. Flight/hotel redemption capped at 50,000 points per month and 70% of booking value.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 2,500 + GST |
| Annual Fee | Rs. 2,500 + GST (waived on Rs. 3 lakh annual spend) |
| Interest Rate | 3.75% per month (45% per annum) |
| Foreign Currency Markup | 2% of transaction value |
| Cash Advance Fee | 2.5% or Rs. 500, whichever is higher |
| Late Payment Fee | Rs. 100 to Rs. 1,300 (tiered by outstanding amount) |
| Over Limit Charges | 2.5% of overlimit amount (min Rs. 550) |
| Payment Return Charges | 2% of payment amount (min Rs. 450) |
| Card Replacement | Rs. 100 |
| Reward Redemption Fee | Rs. 99 per request |
| Cash Processing Fee | Rs. 100 |
| Railway Ticket Purchase Fee | 1% of transaction + GST |
| Rent Payment Fee | 1% from 2nd transaction per month (max Rs. 3,000) |
| Fuel Surcharge (above Rs. 15,000) | 1% (capped at Rs. 3,000) |
Note: HDFC Bank may also consider your existing banking relationship, credit history, and other internal criteria while evaluating your application.
Visit your nearest HDFC Bank branch with all required documents and fill in the physical application form for the Regalia Credit Card. Bank executives will guide you through the process.
Visit the HDFC Bank application tracking page, enter your mobile number and application reference number or date of birth to check your application status.
The HDFC Regalia Credit Card delivers a solid package of travel benefits, competitive rewards, and comprehensive insurance at a moderate annual fee. With 8 domestic and 6 international lounge visits, up to 10x rewards via SmartBuy, and Rs. 1 crore air accident coverage, it caters well to frequent travelers and regular spenders.
While the introduction of HDFC Regalia Gold has somewhat diminished its position as the top mid-range HDFC card, the Regalia remains an excellent choice for those who spend Rs. 3 lakh or more annually (for free membership) and can leverage SmartBuy for maximum reward acceleration. The low 2% forex markup also makes it one of the better options for international transactions in its fee segment.
Last updated: 1 February 2026
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