HDFC Bank Regalia Credit Card: Reward From Traveling

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HDFC Bank Regalia Credit Card

The HDFC Bank Regalia credit card is the perfect example of a high-class living because it combines luxury and utility like no other card. This credit card is a sign of status in financial merchandise, which is constantly changing. It’s designed for people wanting more than basic credit card features, and it’s also a key to a world of unique benefits, awards, and unmatched ease. 

This HDFC Bank Regalia credit card review aims to examine what makes the HDFC Regalia credit card an excellent choice for people looking for a top-notch credit card experience.

HDFC Bank Regalia Credit Card: Overview

HDFC Bank Regalia Credit Card

Type: Premium Credit Card

Regular Apr: 41.88% p.a.

Annual Fee: ₹2,500

The HDFC Bank Regalia credit card, a premium offering in the credit card market, is tailored for individuals who seek a blend of luxury and practicality in their financial tools. This card stands out with its relatively high Annual Percentage Rate (APR) of 41.88% per annum, reflecting its premium status, and an annual fee of ₹2,500, which is a testament to its exclusive services and rewards.


There are specific eligibility criteria for both salaried and self-employed Indian nationals. Salaried individuals must be between 21 and 60 years of age and have a net monthly income exceeding ₹1 Lakh. On the other hand, self-employed applicants should be between 21 and 65 years old and have an annual Income Tax Return (ITR) of more than ₹12 Lakhs. 

These requirements ensure that the card is accessible to individuals with a stable and substantial income, aligning with the card’s premium offerings.

Rewards and Benefits of HDFC Bank Regalia Credit Card

The HDFC Bank Regalia credit card offers a range of rewards and benefits, making it an attractive choice for those who value luxury and efficiency in their financial products.

Reward Points

Earning reward points with the HDFC Bank Regalia credit card is simple. Cardholders earn 4 points for every ₹150 spent on retail, including insurance. The rewards scale up with spending: earn 10,000 reward points once your annual spending hits ₹5 lakhs, and an additional 5,000 points if it reaches ₹8 lakhs. 

Additionally, there’s an opportunity to earn points through UPI transactions, with a monthly cap of 500 points. This reward structure benefits regular spenders and incentivizes higher spending with bonus points.

Reward Point Redemption

Redeeming reward points from your HDFC Bank Regalia credit card is flexible and offers multiple options. You can use your points on Smartbuy or through Netbanking for various rewards. For instance, redeem your points for flight and hotel bookings via Smartbuy, where 1 reward point equals ₹0.5. Alternatively, you can convert your points to air miles through Netbanking, with each point equating to 0.5 air miles. 

You can also exchange points for products and vouchers, either through Netbanking or SmartBuy, where the value of 1 reward point can go up to ₹0.35. If you prefer cashback, each point can be redeemed for ₹0.20. This system provides a range of choices, allowing you to tailor your rewards to your preferences and needs.

Milestone Benefits

The HDFC Bank Regalia credit card offers enticing milestone points as part of its rewards program. In your card’s anniversary year, when you spend ₹5 lakhs, you’re rewarded with a bonus of 10,000 reward points. Moreover, if your spending reaches ₹8 lakhs in the same year, you earn an additional 5,000 reward points. 

These milestone bonuses are a way to further maximize the benefits from your spending, making significant expenditures even more rewarding.

Lounge Access

The HDFC Bank Regalia credit card offers two types of lounge access benefits. Firstly, for domestic airport lounges within India, cardholders can avail of up to 2 complimentary lounge access vouchers every quarter when they spend ₹1 Lakh or more. This access can be claimed through the Regalia SmartBuy page under the ‘Lounge Benefits’ section. 

Secondly, cardholders can use the Priority Pass program to access international lounges. This benefit isn’t spend-based; instead, it becomes available after completing a minimum of 4 retail transactions on the card. With Priority Pass, both the primary cardholder and add-on members can enjoy up to 6 complimentary lounge accesses per calendar year outside India. 

Other Advantages

The HDFC Bank Regalia credit card offers several other benefits in addition to its rewards and travel perks. Cardholders enjoy a 1% fuel surcharge waiver at all fuel stations in India for transactions between ₹400 and ₹5,000. 

There’s a low foreign currency markup fee of just 2% for international transactions. The card also comes with substantial insurance coverage, including an air accident death cover of ₹1 crore, emergency overseas hospitalization cover of up to ₹15 lakh, and a credit liability cover of ₹9 lakh. 

Furthermore, cardholders have access to 24/7 concierge services, enhancing the convenience of their travel and lifestyle experiences. These additional benefits make the card a comprehensive financial tool for domestic and international use.

HDFC Bank Regalia Credit Card Fees and Interest

As a premium offering, the HDFC Bank Regalia credit card comes with specific fees and interest rates that are important for cardholders to be aware of. The key fees and interest charges associated with this card include:

Joining Fee₹2,500
Renewal Fee₹2,500 (waived off on spending ₹3 lakh in a year)
Annual Fee43.2% p.a.
Late Payment FeeLess than ₹100: None
₹100 to ₹500: ₹100
₹501 to ₹5,000: ₹500
₹5,001 to ₹10,000: ₹600
₹10,001 to ₹25,000: ₹800
₹25,001 to ₹50,000: ₹1,100
More than ₹50,000: ₹1,300
Foreign Transaction Fee2%

Pros & Cons

  • Reward points system
  • Lounge access
  • Diverse redemption options
  • Insurance coverage
  • High annual fee
  • High APR.
  • Complex rewards system
  • Eligibility criteria

Pros Explained

  • HDFC Bank Regalia credit card offers a generous rewards program. Earn points on every spend, including bonus points for reaching specific spending milestones.
  • It provides complimentary domestic and international lounge access, enhancing your travel experience.
  • Redemption options allow flexibility in points redemption. Points can be redeemed for flights, hotels, products, or cashback.
  • Another great benefit besides reward points is substantial insurance benefits. This includes air accident cover, overseas hospitalization cover, and credit liability cover.

Cons Explained

  • The annual fee of ₹2,500 might be considered steep for some, as it is a recurring cost.
  • This card has a high annual percentage rate of 41.88%, making carrying balances over time costly.
  • Some users might find the rewards system complex. The categorization and caps on points can be challenging to understand and maximize.
  • Stringent eligibility requirements limit accessibility for many potential users.

Is HDFC Bank Regalia Credit Card Worth Considering?

Credit Card Review

When considering the HDFC Bank Regalia credit card, evaluating whether its benefits match your spending habits and financial needs is important. This card is excellent for frequent spenders and travelers, offering a rewarding points system and luxurious lounge access. It also provides significant insurance coverages and perks like fuel surcharge waivers and low foreign currency fees. 

However, the ₹2,500 annual fee and high APR of 41.88% might be costly if you don’t use the card’s benefits extensively. Also, its strict income requirements may not suit everyone. So, it might not be ideal for those with lower spending or prefer a simpler, low-fee card. Assessing your spending and financial goals is key to deciding if this card is right for you.


1. What is HDFC Bank Regalia credit card?

The HDFC Bank Regalia credit card is a premium credit card offering a range of benefits and features. It’s designed primarily for high-income individuals and offers rewards on various purchases, extensive travel perks, and lifestyle benefits.

2. What are the benefits of HDFC Regalia credit card?

The benefits of HDFC Regalia credit card include a rewarding points system, complimentary lounge access, various redemption options, extensive insurance coverage, a fuel surcharge waiver, and a low foreign currency markup fee.

3. What is the maximum limit of HDFC Regalia credit card?

The credit limit of the HDFC Regalia credit card varies based on individual financial profiles and is determined by HDFC Bank. It is typically higher than that of standard cards.

4. What is the difference between a HDFC Regalia and a HDFC Regalia Gold credit card?

The HDFC Regalia Gold credit card generally offers more exclusive benefits than the standard Regalia, including better reward point accrual and redemption options and additional lifestyle perks.

5. How can I apply for a HDFC Regalia credit card?

You can apply for the card online on HDFC Bank’s website, at a local HDFC Bank branch, or through customer service over the phone. Ensure you meet the eligibility criteria and have all necessary documents like income, identity, and address proof.

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Read more: Credit Card Review

By FinxpdX Team
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