HDFC Regalia Credit Card
HDFC bank HDFC Bank

HDFC Regalia Credit Card

cat name Travel
cat name Shopping

Best Suited For: Shopping & Travel

Joining Fee: ₹2,500* Plus Applicable Taxes

Renewal Fee: ₹2,500* Plus Applicable Taxes

cat name Travel
cat name Shopping

Best Suited For: Shopping & Travel

Joining Fee: ₹2,500* Plus Applicable Taxes

Renewal Fee: ₹2,500* Plus Applicable Taxes

Best Features:- Complimentary domestic and international airport lounge access

credit score

The HDFC Regalia Credit Card is ideal for those who want to earn rewards on their purchases, especially frequent travellers. It offers 4 reward points for every ₹150 spent, which can be redeemed for various rewards. The card also provides complimentary lounge access at both domestic and international airports and a low foreign exchange markup, making it a great option for international travel. Additionally, the card offers dining benefits, 24/7 concierge services, and bonus reward points on activation. With an annual fee of ₹2,500, it is a strong all-rounder for those seeking travel and lifestyle benefits.

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All You Need To Know

Card Type

Shopping & Travel

Lounge Access
  • Domestic Lounge Access: 12 complimentary visits per year to lounges at domestic and international terminals within India.
  • International Lounge Access:
    • Complimentary Priority Pass Membership.
    • 6 free visits per year to international lounges outside India.
    • Additional visits charged at $27 per person per visit.
Milestone Rewards
  • Earn 10,000 reward points for spending ₹5 lakh in an anniversary year.
  • Earn an additional 5,000 reward points for spending ₹8 lakh in the same period.
Dining Privileges
  • Up to 20% savings on restaurant bills via Swiggy Dineout.
  • Complimentary Zomato Gold membership upon spending ₹75,000 within 3 months of card issuance.
Fuel Surcharge Waiver
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum of ₹250 per billing cycle).
Foreign Currency Mark-Up
  • Low foreign exchange mark-up fee of 2% on international transactions.
Reward Points Program
  • Earn 4 reward points per ₹150 spent on retail transactions (excluding fuel, wallet, and EasyEMI spends).
  • Accelerated rewards on HDFC's SmartBuy platform:
    • 10X points on hotel and bus bookings.
    • 5X points on Amazon, EaseMyTrip, RedBus, and Cleartrip bookings.
    • 3X points on Flipkart and rail ticket bookings.
  • Monthly cap of 4,000 accelerated reward points.
  • Reward points are valid for 2 years from the date of accumulation.
Protection Benefits
  • Zero Liability Protection: Cardholders are not held responsible for fraudulent transactions on lost or stolen cards if reported promptly.
Travel & Insurance Benefits
  • Accidental Air Death Cover: Provides financial protection during air travel.
  • Emergency Overseas Hospitalization Cover: Covers medical expenses incurred during international travel.
  • Credit Liability Cover: Safeguards against unauthorized card usage.
Additional Privileges
  • Concierge Services: 24/7 assistance for travel bookings, restaurant reservations, and more.
  • Zomato Gold Membership: Lifetime membership for free upon completing 4 transactions of ₹500+ for 3 consecutive months.
Reward Redemption Options
  • Redeem points for:
    • Flight and hotel bookings.
    • Product purchases on the HDFC rewards catalog.

HDFC Bank Regalia Credit Card Eligibility & Documentation:

Criteria Details
Occupation Salaried or Self-employed
Minimum Income for Salaried Applicants Rs. 1 lakh p.m.
Minimum Income for Self-employed Applicants ITR > Rs. 12 lakh p.a.
Serviceable Cities Click here for the list of serviceable cities
Documents Required Click here for the list of documents required

The fees and charges associated with HDFC Regalia Credit Card are mentioned in the table below:

Particulars Details
Joining Fee Rs. 2,500
Annual Fee Rs. 2,500 (waived off on spending Rs. 3 lakh in a year)
Finance Charges 3.6% p.m. (43.2% p.a.)
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)
Late Payment Charges For Statement Balance
  • Less than Rs. 100 – Nil
  • Rs.100 to Rs.500 – Rs.100
  • Rs.501 to Rs.5,000 – Rs.500
  • Rs.5,001 to Rs.10,000 – Rs.600
  • Rs.10,001 to Rs. 25,000 – Rs.800
  • Rs. 25,001 to Rs. 50,000 – Rs. 1,100
  • More than Rs. 50,000 – Rs. 1,300
Card re-issuance charges Rs.100 per instance
Duplicate statement Rs.10
Rewards redemption fee Nil
Add-on cards charges Nil
Foreign currency mark-up fee 2%
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

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FAQs

You can earn reward points by making retail transactions using your HDFC Regalia Credit Card. Fuel transactions and EasyEMI transactions are not eligible for reward points.

Yes, you earn reward points on both domestic and international flight bookings made with your HDFC Regalia Credit Card.

Yes, you can recharge your prepaid mobile phone using the HDFC Regalia online portal.

You can make payments for your HDFC Regalia Credit Card through multiple methods, including auto-pay, funds transfer, Net Banking, and mobile banking.

Immediately call HDFC Credit Card Customer Care to report it. Then your card will be blocked instantly. You can also report it as lost through your NetBanking account.

The reward points on your HDFC Regalia Credit Card will expire after 2 years from the date of accumulation.

Yes, the cash advance fee is 2.5% of the withdrawn amount or a minimum of Rs. 500, whichever is greater. It is advisable to avoid withdrawing cash using your credit card due to these high charges.

Please click the links below to find details and instructions related to HDFC Bank Credit Cards that can help you in easily managing your card:

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