HDFC Bank Regalia Credit Card - Features, Benefits, Fees & Charges

HDFC Bank Regalia Credit Card (4.6)

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If you enjoy the finer things in life, the HDFC Regalia Credit Card can be the ideal fit for you. This premium lifestyle credit card is designed to cater to your needs, whether you love travelling, dining out, or shopping at high-end stores. It comes with a joining and annual fee of ₹2,500, where you receive 2,500 reward points as a welcome benefit and a significant return on your investment. Plus, with a base reward rate of 1.3%, you can earn 4 reward points on every ₹150 spent. That's not all - the HDFC Regalia Credit Card has a host of other benefits that you won't want to miss out on. To know more, check out the details and review below.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

2,500 reward points on payment of joining and annual fee. 

EMI Benefit

HDFC Bank Regalia Credit Card comes with an option to convert your big spends into EMI after purchase. 

Fuel Surcharge

Convenience fee waiver of 1% on all fuel transactions. The waiver on the convenience fee is applicable only for fuel transactions between ₹400 to ₹5,000. (Maximum waiver of ₹500 per statement cycle).

Reward Points
  • Earn 4 Reward Points on every ₹150 spent, including insurance, utilities and education​
  • Earn 10,000 Reward Points on annual spends of ₹5 lakh.
  • Earn an additional 5,000 Reward Points on annual spends of ₹8 lakh.
  • Reward Rate: 1.3%
Lounge Access
  • 12 complimentary access per calendar year within India (both at domestic and international terminals).
  • Note: Visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge.
  • Priority Pass for self and add on members once you complete a minimum 4 retail transactions on your HDFC Bank Regalia Credit Card.
  • Using Priority Pass, you and your add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. 
Insurance Benefit
  • Accidental air death cover worth ₹1 Crore.
  • Emergency overseas hospitalization: up to ₹15 lakh.
  • Lost Card Liability Cover: Upto ₹9 lakh.
Zero Lost Card Liability

If the missing card is reported to the bank promptly, the cardholder is not responsible for fraudulent purchases.

Milestone Benefit
  • Earn bonus of 10,000 reward points when you spend ₹5 lakh in the anniversary year.
  • Earn additional 5,000 reward points when you spend ₹8 lakh spends in the anniversary year.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹ 2500

Annual Fee

₹ 2500

Annual Percentage Rate

43.2%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

40%

Card Replacement Fee

₹ 100

Foreign Transaction Fee

2%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

2.50%

Reward Point Value

₹0.20
Late Payment Charges

Balance below ₹100

₹ 0

Balance from ₹100 to ₹500

₹ 100

Balance from ₹501 to ₹5000

₹ 500

Balance from ₹5001 to ₹10000

₹ 600

Balance from ₹10001 to ₹25000

₹ 800

Balance from ₹25001 to ₹50000

₹ 1100

Balance more than ₹50000

₹ 1300
Pros

Aspects that make this credit card amazing.

  1. Contactless payment option to facilitate fast, convenient, and secure payments at retail outlets.
  2. Add-on cards with the same features are available for spouse and children.
  3. Allows users to convert big spends into EMI.
  4. Low foreign currency markup compared to others.
Cons

Aspects this credit card lacks.

  1. Gold and Jewellery linked transaction is not permitted for conversion into SmartEMI.
  2. Reward points can only be redeemed for travel bookings (flights/hotels).
  3. Dineout Passport membership was only applicable for a limited period of time.
  4. Fuel purchases will not result in the accumulation of reward points.
  5. The daily cap on reward points earned from insurance transactions will be 2,000.
HDFC Bank Regalia Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(3.5)

Customer Service

(3.5)

HDFC Bank Regalia Credit Card Review

The HDFC Regalia Credit Card is a highly sought-after premium credit card that offers numerous benefits, primarily focused on travel and retail spending. It is an ideal choice for frequent travelers and big spenders who want to earn a substantial amount of reward points on their purchases. With its impressive range of benefits, such as access to airport lounges, fuel surcharge waivers, and dining discounts, the HDFC Regalia Credit Card is a great option for those who value convenience and luxury.

It's worth noting, however, that the card comes with a higher annual fee than other premium credit cards in the market. Therefore, it's crucial to compare the reward rates and benefits provided by different cards before selecting the one that suits your needs and budget.

If you want to explore more cards that offer benefits similar to HDFC Regalia, here are a few cards to consider:

Overview 

Best for   Travel 
Joining Fee  ₹2500
Annual Fee  ₹2500
Reward Rate 1.3% to 2%
Card Type  Premium
Card Network

 Visa and Mastercard

Who should get HDFC Regalia Credit Card?

The HDFC Regalia credit card is best suited for individuals who frequently travel and want to earn reward points for their travel and other expenses. It offers a wide range of travel benefits, including airport lounge access, travel insurance, and discounts on hotel bookings.

The  HDFC Regalia credit card is a good choice for individuals who spend a lot in these categories. Additionally, it comes with a range of lifestyle benefits, such as access to exclusive events and experiences, and concierge services. Overall, Individuals who are ready to avail of premium benefits in exchange for a high annual fee. should consider the offer.

Reward Points

With this HDFC Credit Card, cardholders can earn 4 reward points on every ₹150 spent across retail spending, including insurance, utilities, rent, and education. The users can redeem these reward points on Smartbuy or Netbanking, as per the following redemption value:

Flights and hotel bookings via Smartbuy

 1 reward point = ₹0.5
Air Miles conversion through Netbanking  1 reward point = 0.5 air mile               
Against products and vouchers via Netbanking or Smartbuy 1 reward point = Up to ₹0.35
Against cashback 1 reward point = ₹0.20

How to apply for HDFC Regalia Credit Card?

Interested individuals can apply for Regalia Credit Card online as well as offline. In offline mode, the applicants need to visit their nearest branch with all the required documents and fill in the physical application form for a card. 

Alternatively, potential customers can apply online by following a few simple steps as mentioned below:

  • Visit HDFC Bank’s official website.

  • Under the “Borrow” section, click on the option “Credit Cards.”

  • The visitor will be redirected to a page where all the HDFC credit cards have been categorized according to their features.

  • The HDFC Regalia Credit Card is listed under the “Lifestyle” category. 

  • Click on “Apply Now”.

  • Enter your mobile number and captcha to start the application.

  • Fill in all the required details and upload the required documents in order to complete the process.

HDFC Regalia Credit Card Eligibility

  • Age: Minimum 21 Years
  • Occupation: Salaried or Self Employed
  • Income: Salaried - ₹1,00,000 p.m., Self-Employed: ITR > ₹12 Lakhs p.a.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
HDFC Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

HDFC Bank

HDFC Bank Credit Card Customer Care Number:

1800 202 6161 / 1860 267 6161

HDFC Bank Card Offers:

View Offers

Total Cards:

2,04,04,625
HDFC Bank Credit Card News
16 May 2024, Thursday
1. HDFC Bank Launches Pixel Play: India's First Virtual Credit Card with Cashback Customisation

HDFC Bank has introduced the Pixel Play Credit Card, India's first virtual credit card, with unique features like:

  1. Customization: You can choose cashback merchants, card design and billing cycle date.
  2. Convenience: Entirely digital onboarding and management through HDFC Bank's PayZapp app.
  3. Benefits: Up to 5% cashback, contactless payments, in-app EMI conversion, and exclusive dining discounts.
  • 5% Cashback on choice of any two packs
    • Dining & Entertainment Category – BookMyShow & Zomato
    • Travel Category – MakeMyTrip & Uber
    • Grocery Category – Blinkit & Reliance Smart Bazaar
    • Electronics Category – Croma & Reliance Digital
    • Fashion Category – Nykaa & Myntra
  • 3% Cashback on choice of any one E-commerce merchant: Amazon or Flipkart or PayZapp
  • 1% Unlimited Cashback across all other spends

Who can apply?

  • For Salaried:
    • Age: Min 21 yrs & Max 60 Yrs
    • Income: Gross Monthly Income > Rs 25,000
  • For Self Employed
    • Age: Min 21 yrs & Max 65 Yrs
    • Income: ITR > Rs 6.0 Lakhs per annum
08 Feb 2024, Thursday
2. HDFC Bank launched a new range of business credit cards specifically for SMEs

The cards come in four variants - BizFirst, BizGrow, BizPower, and BizBlack - and offer benefits like interest-free credit periods, rewards on business spend, and insurance coverage.

  1. BizFirst: Entry-level card with 55 days interest-free period, 3% cashback on EMI spends, 2% on utilities & electronics, 1% on other spends. 
  2. BizGrow: Offers higher 5% cashback on business spends like GST, income tax, vendor payments, travel, business tools, and 1% on other spends. 
  3. BizPower: Premium card with 5X reward points on fuel spending, accelerated rewards on travel, dining, and utilities, and airport lounge access. 
  4. BizBlack: Flagship card with maximum rewards on all categories, complimentary airport lounge access, travel insurance, and other premium benefits. 
31 Oct 2023, Tuesday
3. Effective 1 December 2023, HDFC Bank will limit lounge access for Regalia Credit Card holders.

Starting from 1 December, the lounge access program will be tied to one's credit card spending. To avail of the lounge benefits, a credit card user must spend Rs. 1 lakh or more in a single calendar quarter, i.e., January-March, April-June, July-September, October-December. Only two complimentary lounge access vouchers will be available per quarter as part of the milestone benefit for users.

19 Oct 2023, Thursday
4. HDFC introduces enhanced Diners Club Metal Edition Credit Card

HDFC Bank has introduced the upgraded HDFC Diners Club Metal Edition Credit Card, setting it apart from the previous HDFC Diners Club Black Credit Card. The key differentiators between the two cards are as follows:

  • Annual Fee Waiver: The metal edition requires cardholders to spend 8 lakhs annually to enjoy an annual fee waiver, whereas the plastic card's threshold is 5 lakhs in annual spends.
  • Welcome Benefit: The new Metal Edition card offers a Swiggy One annual membership as a welcome benefit, replacing the earlier Forbes and MMT Black offerings. In contrast, the plastic card provided a 3-month Swiggy One membership, alongside Forbes and MMT Black.
  • Milestone Benefit: The Metal Edition introduces a new milestone benefit, granting cardholders 10,000 Bonus Reward Points on a quarterly basis. However, it no longer features the old benefits amongst cult.fit Live 1 month membership/ BookMyShow /TataCLiQ /Ola cabs vouchers worth Rs. 500

This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.

24 Aug 2023, Thursday
5. HDFC Bank partners with Marriott Bonvoy to launch India's first 'hotel co-branded card'.

HDFC Bank and Marriott International have launched a co-branded credit card in India, called the Marriott Bonvoy HDFC Bank Diners Club International Credit Card. The card is the first hotel co-branded credit card in India. It offers a number of benefits to cardholders, including:

  • Complimentary Marriott Silver Elite Status
  • Up to 4 free night awards
  • Accelerated Marriott Bonvoy points earning on travel, dining, and entertainment
  • Airport lounge access
  • Travel insurance
05 Jul 2023, Wednesday
6. Swiggy to launch co-branded credit card with HDFC Bank.

Swiggy is reportedly teaming up with HDFC Bank to introduce a co-branded credit card. By doing so, Swiggy would join the increasing number of e-commerce platforms like Flipkart, Myntra, and Paytm, which have already launched their own co-branded credit cards.
Swiggy's strategic decision to venture into the co-branded credit card space is aimed at strengthening customer loyalty and involvement by offering supplementary advantages and incentives through the card.

HDFC Bank Regalia Customer Reviews

Overall Rating

3

Based on 1 reviews

Rating Summary

5
0%
4
0%
3
100%
2
0%
1
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Review Analytics

Fees 0 votes

Interest Rate 0 votes

Rewards 0 votes

Benefits 0 votes

Customer Service 0 votes

Frequently Asked Questions

Indian citizens can apply for the HDFC Regalia Credit Card if their net monthly income is more than Rs. 10,00,000 and if they are self-employed and have an ITR of more than Rs. 12,00,000 annually.

Yes, HDFC Regalia is considered a premium credit card offered by HDFC Bank. It comes with a range of features and benefits designed to cater to the needs of high-income individuals who require a high credit limit, access to exclusive privileges, and enhanced rewards programs.

Membership in Priority Pass is available upon request. Customers are eligible for Priority Pass membership if they have completed 4 billable transactions in the last 60 days. Also, you must complete the HDFC Bank Priority Pass Form on the bank's website by providing all the information requested

HDFC Bank does not offer lifetime free credit cards. But it gives its customers low-fee credit cards and the opportunity to get a fee reversal on achieving milestone spending. These HDFC Credit Cards offer great discounts and rewards on entertainment, fuel, dining, hotel reservations, etc.

The HDFC Regalia Credit Card has a credit limit of Rs. 2 to Rs. 5 lakh. The available balance on the card, however, has no defined limit and is totally decided by your income and CIBIL Score. HDFC Bank regularly raises your credit limit based on your usage and repayment history.

 You can apply for the HDFC Regalia Credit Card offline as well as online. You can go to the bank's official website to submit an application online by filling in the necessary and required details. If you want to apply offline, you can fill out the application in person at the closest HDFC Bank location.

To have a Regalia Credit Card, an individual must have a minimum gross salary of Rs. 1 lakh a month, and a self-employed individual should have an ITR of more than Rs. 12 lakhs per annum.

You can earn reward points on your Regalia Credit Card by using it to make purchases. The reward points are only valid for retail purchases. Transactions involving fuel and EasyEMI are not eligible for reward points. The accumulated reward points will expire after 2 years and must be redeemed for the various goods listed in the rewards catalogue.

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