HDFC Bank
HDFC Bank Doctor's Regalia Credit Card
Doctor-focused premium Visa with safety benefits and travel perks
₹2,500/yr annual fee · 3x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Doctor / medical professional
- Premium cardholder
-
What we like
- Doctor-focused safety and convenience benefits
- Domestic + international lounge access
- 2% reduced forex markup
-
Watch out for
- ₹2,500 non-waiver joining fee
- Restricted to medical professionals
- Spend threshold of ₹3 lakh/year required to waive annual fee
Annual fee
₹2,500/yr
Reward rate
3x
Min. income
₹5,00,000
Forex markup
2%
Lounge access
Domestic + international
Eligibility
₹5 lakh/yr · CIBIL 750+
Reward cap
Not explicitly stated
Welcome benefit
₹1,000 voucher on ₹1,50,000 annual spend; ₹5,000 voucher on ₹5,00,000 spend.
HDFC Bank Doctor's Regalia Credit Card review: doctor-focused premium Visa with safety and convenience benefits, complimentary lounge access, milestone vouchers, and travel perks tailored to medical professionals.
Who is this for
- Doctor / medical professional
- Premium cardholder
What we like
- Doctor-focused safety and convenience benefits
- Domestic + international lounge access
- 2% reduced forex markup
Watch out for
- ₹2,500 non-waiver joining fee
- Restricted to medical professionals
- Spend threshold of ₹3 lakh/year required to waive annual fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.hdfcbank.comHDFC Bank is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹2,500 | Not waivable |
| Annual fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Renewal fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Forex markup | 2% | Not waivable |
| Late payment | ₹1,300 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 3 Reward Points per ₹150 on retail spend; 2 Reward Points per ₹150 on dining; 1 Reward Point per ₹150 on utility & in… | Not explicitly stated | Redeemable via HDFC rewards portal |
| DINING | 2.00 | — | 0.50 |
| SHOPPING | 3.00 | — | 0.50 |
| TRAVEL | 3.00 | — | 0.50 |
Benefits
-
Doctor Safety Benefits Highlight
Safety and convenience benefits tailored to medical professionals — medical emergency assistance and indemnity cover.
-
Domestic + International Lounge Access Highlight
6 complimentary domestic + 2 international lounge visits per year.
-
Milestone Vouchers
₹1,000 voucher on ₹1,50,000 annual spend; ₹5,000 voucher on ₹5,00,000 spend.
-
Lower Forex Markup
2% forex markup on international spends.
Eligibility
- Age
- 21–60 years
- Min. income
- ₹5,00,000
- Min. credit score
- 750+
- Score note
- Good credit card required
- Employment
- self-employed, Doctor
- Documents
- Doctor / medical professional; PAN, Aadhaar (DigiLocker sufficient), medical council registration certificate, and salary slip / ITR
HDFC Bank Doctor’s Regalia Credit Card is a doctor-focused premium Visa. It targets medical professionals with safety benefits, lounge access, and travel perks tailored to their profession.
Fees and rewards
- Joining fee: ₹2,500 (non-waiver)
- Annual fee: ₹2,500, waived on annual spends ≥ ₹3,00,000
- Rewards: 3 Reward Points per ₹150 on retail spend; 2 Reward Points per ₹150 on dining
- Forex markup: 2%
Doctor-focused benefits
- Medical safety benefits and emergency assistance
- 6 domestic + 2 international lounge visits per year
- ₹1,000 milestone voucher on ₹1.5 lakh spend
- 2% forex markup
Eligibility
For doctors / medical professionals only. Minimum annual income ₹5,00,000. Good credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the HDFC Bank Doctor's Regalia Credit Card apply walkthrough →
Apply for HDFC Bank Doctor's Regalia Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the HDFC Bank Doctor's Regalia Credit Card worth it?
What is the annual fee for the HDFC Bank Doctor's Regalia Credit Card?
How does the HDFC Bank Doctor's Regalia Credit Card reward rate work?
What are the eligibility requirements for the HDFC Bank Doctor's Regalia Credit Card?
Does the HDFC Bank Doctor's Regalia Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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