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Credit Cards · India

HDFC Bank Regalia Credit Card

Updated 5 Jul 2026Source-linked

The HDFC Bank Regalia Credit Card is a premium credit card from HDFC Bank, with a joining fee of ₹2,500 + GST.

It earns up to 20 pts per ₹200 (≈5.0% value) on smartbuy flights hotels vouchers spends in the form of reward points (points).

Cardholders get 2 quarterly domestic + 6 annual international airport lounge access, plus 2,500 bonus reward points as a welcome benefit.

HDFC Bank logo
HDFC Bank Regalia Credit Card
Visa logo
  • Joining Fee₹2,500
  • Annual Fee₹2,500
  • Best Suited ForTravel
  • Reward TypeReward Points (points)
Rewards Rate
  • 20 pts per ₹200 on smartbuy flights hotels vouchers (cap 4000 points / monthly)
  • Base 1.00% on other spends
Welcome Benefits
  • 2,500 bonus Reward Points
Data verified 5 Jul 2026 — see our methodology
HDFC Bank logoHDFCVisa logosignaturepremium
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Rewards and Benefits

Rewards Rate
20 pts per ₹200 on smartbuy flights hotels vouchers (cap 4000 points / monthly)
Base 1.00% on other spends.
Reward Redemption
SmartBuy: Redeem at ₹0.5 per unit.
Welcome Benefits
2,500 bonus Reward Points
Milestone Rewards
  • ₹5,00,000 / annual: 10,000 bonus reward points
  • ₹8,00,000 / annual: additional 5,000 bonus reward points
Domestic Lounge Access
2 visits each quarterly on making spends of ₹1,00,000 in the previous quarterly.
International Lounge Access
6 visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
  • air accident: ₹1,00,00,000
  • travel medical: ₹15,00,000
  • credit shield: ₹9,00,000
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹150/mo
  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.0% = ₹100/mo

    Travel & hotels — earns base; accelerated rate needs booking via smartbuy

  • Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹5,520/yr

₹5,520 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹3,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹500 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • premium card issued by HDFC Bank.
  • Joining / annual fee of ₹2,500 + GST, waived on annual spends of ₹3,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (2/quarterly) + international (6/annual).
  • Insurance cover bundled: air accident, travel medical, credit shield.

Pros & Cons

Pros
  • Annual fee waivable on ₹3,00,000 spend.
  • Low forex markup of 2.00% — suited to international spends.
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈5.0% on smartbuy flights hotels vouchers.
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹1,250 welcome benefit

  • 2,500 bonus Reward Points
    Joining fee paid
    Window: 90 days from issuance.

Accelerated rewards

  • 20 pts per ₹200 on smartbuy flights hotels vouchers (cap 4000 points / monthly)
    SmartBuy 5X capped 4,000 RP/month (max 3,000 from brand vouchers).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • government
  • insurance premiums
  • emi

Milestone benefits

  • ₹5,00,000 / annual: 10,000 bonus reward points (≈ ₹5,000 value)
  • ₹8,00,000 / annual: additional 5,000 bonus reward points (≈ ₹2,500 value)

Airport lounge access

Domestic
2 visit(s) / quarterly. Via issuer-direct.
Unlocks after ₹1,00,000 / quarterly spend.
Up to 2 domestic lounge access vouchers per calendar quarter for self and add-on, based on ₹1L spend per calendar quarter.
International
6 visit(s) / annual. Via priority-pass.
Priority Pass for self and add-on issued after using the card at least 4 times; up to 6 complimentary visits/yr, US$27 + GST per visit beyond that.

Insurance benefits

  • air accident: ₹1,00,00,000
  • travel medical: ₹15,00,000
  • credit shield: ₹9,00,000

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹500 per statement.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
750+
Income (salaried)
₹12,00,000 p.a.
Income (self-employed)
₹15,00,000 p.a.
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