The HDFC Bank Regalia Credit Card offers a wide range of lifestyle and travel benefits. Cardholders can enjoy joining rewards, complimentary airport lounge access, and perks across travel, dining, and shopping categories. Additionally, the card provides accelerated reward points on spending, travel insurance coverage, and exclusive dining and shopping offers, making it a great choice for frequent travelers and lifestyle enthusiasts.
HDFC Regalia Credit Card Rewards Program
Rewards Benefits:
Earn 4 reward points for every Rs. 150 spent on your card.
Get 10,000 reward points on annual spending of Rs. 5 lakh.
Earn an additional 5,000 reward points if your annual spends reach Rs. 8 lakh.
Reward Redemption:
Reward points expire within 2 years of accumulation.
Redeem points via the dedicated HDFC Regalia portal by selecting your preferred voucher or reward.
Alternatively, use the 'SmartBuy' section on the HDFC Bank website or NetBanking to redeem points.
Confirm your selection to complete the redemption process.
Other Features and Benefits
Travel Benefits:
Airport Lounge Access: Enjoy access to over 1,000 lounges worldwide with a complimentary Priority Pass membership. Primary and add-on members get 6 complimentary international lounge visits per year.
Domestic Lounge Access: 12 complimentary visits to domestic airport lounges per calendar year through the Regalia Visa Credit Card Lounge program.
Travel Concierge Services: Personalized assistance to customize your travel experience.
Insurance Coverage: Air accident death cover of Rs. 1 crore, emergency overseas hospitalization up to Rs. 15 lakh, and credit liability cover up to Rs. 9 lakh.
Airport Privileges: Priority check-in, waitlist clearance, extra baggage allowance, and earn 9 Club Vistara points per Rs. 100 spent on the card.
Dining Benefits:
Flat 25% off at over 2,000 partner restaurants.
1+1 buffet offer at more than 200 restaurants.
Additional 5% discount and zero convenience fee.
Early access to events and festivals like Gourmetlicious.
Complimentary Zomato Gold Membership for 1 year (only for primary cardholders of Regalia cards issued after 20 March 2019), including up to 2 free drinks at participating restaurants.
Renewal Benefits:
Annual fee waived if you spend over Rs. 3 lakh in the previous year.
Lounge Access Program (Effective 1 Dec 2023):
Eligibility based on quarterly spends of Rs. 1 Lakh or more (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec).
After meeting the criteria, visit the Regalia SmartBuy portal → Lounge Benefits to generate your voucher.
Vouchers are sent via SMS/email in PDF format with a QR code for access.
Steps to Redeem Voucher:
Log in to SmartBuy Regalia portal.
Go to Regalia Benefits → Airport Benefit.
Track quarterly spending under Milestone Tab.
Generate your voucher after reaching the milestone.
Priority Pass for International Lounges: Not spend-based. Apply after 4 retail transactions on your Regalia card. Primary and add-on members get 6 complimentary visits per year. Additional visits charged at US $27 + GST per visit.
Fees and Charges
Type of fees or charges
Amount (Rs.)
Joining fee
Rs.2,500
Renewal fee
Rs.2,500
Minimum repayment amount
5% or a maximum of Rs.200
Cash withdrawal fee
2.5% of the withdrawn amount (Minimum Rs.500)
Cash advance limit
40% of the credit limit
Rewards redemption fee
NIL
Add-on cards charges
NIL
Foreign currency mark-up fee
2%
Late payment charges
Less than equal to Rs.100 - Nil
Rs.101 to Rs.500 - Rs.100
Rs.501 to Rs.1,000 - Rs.500
Rs.1,001 to Rs.5,000 - Rs.600
Rs.5,001 to Rs.10,000 - Rs.750
Rs.10,001 to Rs.25,000 - Rs.900
Rs.25,001 to Rs.50,000 - Rs.1100
More than Rs.50,000 Rs.1300
Over limit charges
2.5% of the over the limit amount (Min. of Rs.550)
Cash processing fee
Rs.100 per transaction
Payment return charges
2% of the payment amount (Minimum of Rs.450)
Card re-issuance charges
Rs.100 per instance
Duplicate statement
Rs.10
Things to Know Before you apply
Get this card if:
Salaried professionals and entrepreneurs spending ₹3–6L/year
Frequent domestic and occasional international travelers
Users looking for strong travel insurance and lounge access
People who wantpremium benefits without ultra-premium fees
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For HDFC Regalia Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
HDFC Regalia Credit Card Hilights
What do we like about this card?
Earn 10,000 reward points when you spend Rs. 5 lakh or more in an anniversary year.
Get up to 15% discount on dining at partner restaurants.
Accelerated rewards to help you earn points faster on your spends.
Redeem your reward points for exclusive gifts and offers available only for Regalia cardholders.
Enjoy up to 50 days of interest-free credit on purchases.
Benefit from a low foreign currency mark-up fee of just 2% when using your card abroad.
Pros
Strong reward program with 4 RP per ₹150
Lounge access for both domestic and international travelers
Travel insurance and concierge services included
Low forex markup for international usage
Annual fee easily waived with moderate spend
Cons
Lounge access limited to 6 visits/year
Reward point redemption rate is lower outside SmartBuy
No golf or luxury concierge unlike ultra-premium cards
Priority Pass access for international lounges is chargeable from the 4th visit onward
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
Helpline: You can contact us at 1800 1600 / 1800 2600.
Simply SMS: - SMS “CCHELP” to 5676712
Frequently Asked Questions
Everything you need to know about this credit card
Reward points can be redeemed through the HDFC NetBanking portal or Regalia Rewards portal for flight bookings, hotels, shopping vouchers, and products from the rewards catalogue.
Yes, you can apply for lifetime-free add-on credit cards for your family members, which share the same reward and benefit structure.
Yes, you get complimentary domestic and international airport lounge access every year through Priority Pass membership and Regalia benefits.
Yes, the card comes with an annual fee and renewal fee. However, the fee may be waived if you meet the minimum spending criteria set by the bank.
Yes, you can easily convert eligible high-value transactions into EMIs using NetBanking, Mobile Banking, or by contacting customer support.
The Regalia card offers complimentary lounge access, Priority Pass membership, exclusive dining privileges, travel concierge services, and travel insurance.
The card offers air accident cover, medical emergency cover, lost baggage cover, and credit liability cover, subject to terms and conditions.
Yes, you get a 1% fuel surcharge waiver on fuel transactions between Rs.400 and Rs.5,000 across all fuel stations in India.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
Housing Development Finance Corporation
Airport Lounge Access
Dining
Fuel
