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

HDFC Bank Regalia Credit Card (4.6)

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HDFC Regalia Credit Card is designed for customers who are looking for exclusive privileges and benefits, such as access to airport lounges, hotel discounts, and cashback offers. It also offers a range of other benefits, such as travel insurance, fuel surcharge waivers, and emergency assistance services. In addition, the card also offers concierge services, which can assist cardholders with making travel and dining reservations.

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
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 Rs 400 to Rs 5,000. (Maximum waiver of INR
500 per statement cycle).

Other Benefit
  • Every year, the user will get six free rounds of golf. 3 more golf rounds with the Axis Bank Select Credit Card on minimum yearly spending of ₹3,00,000.
  • 20% off on a bill of ₹2000 of BigBasket (website and app) with maximum discount of ₹500 per month
  • 40% off on minimum purchase of ₹400 (valid twice a month) on Swiggy (website and app), with maximum discount upto ₹200
Lounge Access
  • 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card
  • 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 minimum 4 retail transactions on your HDFC Bank Regalia Credit Card. Click here to apply.
  • Using Priority Pass, you and your add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. 
  • If you exceed the 6 Complimentary visits, you will be charged at US $27 + GST per visit 
Insurance Benefit
  • Accidental air death cover worth Rs. 1 Crore.
  • Emergency overseas hospitalization: up to Rs. 15 lakhs.
  • Lost Card Liability Cover: Upto Rs 9 lakhs.
Zero Lost Card Liability

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

Reward Points
  • Earn 4 Reward Points on every Rs.150  retail* spends including Insurance, Utilities and Education​
  • Earn 10,000 Reward Points on annual spends of Rs. 5 lakhs.
  • Earn additional 5,000 Reward Points on annual spends of Rs. 8 lakhs.
Milestone Benefit
  • Earn Bonus of 10,000 Reward Points when you spend Rs. 5 lakhs in the anniversary year.
  • Earn additional 5,000 Reward Points when you spend Rs. 8 lakhs 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

HDFC Bank’s Hdfc Regalia Card comes with a wide range of premium services. One of the major HDFC Regalia Credit Card benefits includes Priority Pass for add-on cards. This helps the user and the add-on card holder avail of lounge facilities in domestic and international airports.  The HDFC Regalia Rewards comprise bonus points and savings on dining, fuel, and shopping. However, visits exceeding the complimentary quota will be allowed at the discretion of the lounge and will also be chargeable by the lounge. Similarly, the maximum waiver on fuel surcharge is capped at ₹500 per statement cycle. 

Overview 

Best for   Travel 
Joining Fee  ₹2500
Annual Fee  ₹2500
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 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:

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HDFC Bank Regalia Customer Reviews

Overall Rating

3

Based on 1 reviews

Rating Summary

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3
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Review Analytics

Fees 0 votes

Interest Rate 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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