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.
Aspects that make spending using this card lit as the sun!
Think of these as small investments to keep your credit card running smoothly.
Joining Fee
₹ 2500Annual Fee
₹ 2500Annual Percentage Rate
43.2%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
40%Card Replacement Fee
₹ 100Foreign Transaction Fee
2%Over Limit Penalty
2.50%Fuel Transaction Surcharge
2.50%Reward Point Value
₹0.20Balance below ₹100
₹ 0Balance from ₹100 to ₹500
₹ 100Balance from ₹501 to ₹5000
₹ 500Balance from ₹5001 to ₹10000
₹ 600Balance from ₹10001 to ₹25000
₹ 800Balance from ₹25001 to ₹50000
₹ 1100Balance more than ₹50000
₹ 1300Aspects that make this credit card amazing.
Aspects this credit card lacks.
Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!
Bank name:
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HDFC Bank Credit Card Customer Care Number:
1800 202 6161 / 1860 267 6161Total Cards:
2,40,01,417Summary of HDFC Bank's New Credit Card Rules Effective from August 1, 2024
HDFC Bank is introducing new rules and charges for its credit card customers starting August 1, 2024:
Rental Transactions: A 1% fee, capped at Rs 3,000 per transaction, will be applied when paying rent through platforms such as CRED, PayTM, Cheq, MobiKwik, Freecharge, etc.
Fuel Transactions:
International/Cross Currency Transactions: A 3.5% markup fee will be levied. The markup fee remains at 2% for premium cards such as Infinia, Diners Black, etc., and 2.5% for 6E Rewards Indigo XL.
Late Payment Fees have been revised as follows:
Rewards Redemption towards Statement Credit: A Rs 50 redemption fee applies, not applicable to premium cards like Infinia, Diners Black, etc.
Finance Charges: A finance charge of 3.75% per month is applicable if the full amount isn't paid, relevant to all transactions. For premium cards, the finance charge is 1.99% per month.
Easy-EMI Processing Fee: A charge of up to Rs 299 for availing the Easy-EMI option at any store.
All fees are subject to GST, and the merchant category codes are defined by the network (Visa, Mastercard, etc.), not HDFC Bank. Charges described do not apply to Pixel Credit cards, with only the Rental Transaction Charge applicable to Commercial Credit Cards.
HDFC Bank has announced some changes to their credit card fees and rewards structure, effective from August 1, 2024. Here's a summary of the key changes:
There's good news for Swiggy HDFC Bank credit cardholders! In May 2024, HDFC Bank announced a major change to the cashback program. Previously, the cashback earned was credited as Swiggy Money, restricting users from spending it on the Swiggy app. Now, the cashback is directly applied to your credit card statement, offering more flexibility. This update makes the Swiggy HDFC Bank credit card a more attractive option for those who frequently order food and groceries on Swiggy.
Here are some additional details to consider:
HDFC Bank has introduced the Pixel Play Credit Card, India's first virtual credit card, with unique features like:
Who can apply?
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.
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.
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:
This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.
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:
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.
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Reward Rate
-Joining Fee
FreeAnnual Fee
FreeAnnual Percentage Rate
42%/Select/CreditCards/586551aa7f0b4f45b68cacaae8c8861f.png)
Reward Rate
-Joining Fee
₹ 50,000Annual Fee
₹ 50,000Annual Percentage Rate
42.58%/Select/CreditCards/6e6518a5221a4b98bd5aed0b396ec046.png)
Reward Rate
-Joining Fee
FreeAnnual Fee
FreeAnnual Percentage Rate
42%/Select/CreditCards/92002d761d184548822237ddfedd3107.png)
Reward Rate
-Joining Fee
₹60,000Annual Fee
₹60,000Annual Percentage Rate
42%/Select/CreditCards/1636ecc8ba024699aa116462adca4d2c.png)
Reward Rate
-Joining Fee
₹12,000Annual Fee
₹20,000Annual Percentage Rate
35.88%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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