At a Glance
Key Benefits
4 RP per Rs 150, 10X on SmartBuy travel, Rs 1Cr air insurance, 2% forex.
Lounge Access
8 domestic lounges + 6 international via Priority Pass per year.
Eligibility
Salaried: Rs 1,00,000+/month | Self-Employed: Rs 12L+ annual | Age: 21-60 years | Credit Score: 750+
Quick Details
Reward Structure
All Spends
SmartBuy Partners (Myntra, Reliance Digital, Nykaa)
SmartBuy Flights & Hotels
Reward Calculator
Milestone Benefits
2,500 Reward Points credited on successful realization of joining fee.
value
10,000 bonus Reward Points on spending Rs 5 lakhs in the anniversary year.
Spend ₹5,00,000 within 365 days
value
Additional 5,000 bonus Reward Points on spending Rs 8 lakhs in the anniversary year.
Spend ₹8,00,000 within 365 days
value
Annual fee waiver on spending Rs 3 lakhs in the anniversary year.
Spend ₹3,00,000 within 365 days
value
Airport Lounge Access
visits per year
Access via DreamFolks app. Valid at participating domestic airport lounges.
visits per year
Priority Pass membership provided. 6 complimentary visits per year at international lounges.
Insurance Coverage
Air Accident
₹1,00,00,000
Coverage for air accidents when travel is booked using this card. Subject to policy terms.
Emergency Medical
₹15,00,000
Emergency hospitalization coverage for overseas medical treatment when travel is booked using this card.
Lost Card
₹0
Zero liability for unauthorized transactions when reported within 3 days of loss/theft.
Lifestyle Perks
Dining
15.00% off
15% off at Zomato
Fuel Surcharge
1.00% off
1% fuel surcharge waiver
Movies
0.00% off
Up to Rs.100 off on BookMyShow
Category Rankings
See how this card performs in different spending categories compared to other cards.
Quick Analysis
Solid premium card for high spenders who can meet Rs 1L quarterly threshold for lounge access. Excellent SmartBuy rewards.
Pros
- 4 RP per Rs 150 (2.67% return), 10X on SmartBuy, Priority Pass international lounge, Rs 15K milestone rewards, Good forex 2%
Cons
- Lounge access now spend-based (Rs 1L/quarter), High income requirement Rs 1L/month, 4K cap on accelerated rewards
Best For
Premium spenders, frequent travelers, SmartBuy shoppers
Not Ideal For
Budget-conscious users (high annual fee), new applicants (card discontinued for new applications)
Frequently Asked Questions
What is the annual fee for HDFC Regalia Credit Card?
How many reward points do I earn on HDFC Regalia?
What lounge access does HDFC Regalia provide?
What insurance coverage is included with HDFC Regalia?
What is the eligibility criteria for HDFC Regalia Credit Card?
What is the forex markup on HDFC Regalia for international transactions?
User Reviews
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