HDFC Bank Regalia Credit Card

4 reward points per ₹150 — Best for travel · lounge-access · premium.

Sourcing of this card has been stopped by the bank. Existing customers can continue to use it. For new applications, consider the replacement card.

HDFC Bank Regalia Credit Card is issued by HDFC Bank on the Mastercard network, which sets the global acceptance and the contactless / tokenisation experience. Annual fee: ₹2,500 (joining fee ₹2,500). Fee waivers may apply — check the Fees section below for the exact conditions. The card is positioned for travel, lounge-access, premium; the rest of this page breaks down what that means in practice.

For most applicants the only fee that matters day-to-day is the annual fee; the others (foreign-currency markup, late-payment charges, cash-advance fees) only apply if you trigger them. If you are comparing HDFC Bank Regalia Credit Card against another card on cost alone, the cleanest comparison is ₹2,500 joining + ₹2,500/yr vs. the equivalent on the alternative.

HDFC Bank Regalia Credit Card earns 4 reward points per ₹150 on eligible spends.

Reward rates by category:

How to think about value: Indian credit-card reward points are worth between ₹0.20 and ₹1.00 each depending on how you redeem (cashback is straightforward; transfer partners and milestone redemptions can pay more). The headline rate on HDFC Bank Regalia Credit Card reads high because the bank quotes point-accumulation, not rupee value — multiply by your typical monthly spend and the redemption rate you'd actually use to get a real-world figure.

The Rewards tab below carries the full per-category breakdown with monthly caps, milestone bonuses, and any accelerated-spend windows (festivals, weekend spends, travel categories).

Beyond the headline reward rate, HDFC Bank Regalia Credit Card includes the lifestyle, travel, and insurance benefits listed below. These are the perks that decide which card stays in your wallet for year three, not just year one.

Headline benefits:

Insurance and consumer protection: most Mastercard cards issued by Indian banks come with at least purchase-protection and zero-liability-on-fraud cover; the precise cover levels, claim procedures, and exclusions are spelled out in the card's most-favored-nations (MFN) booklet — request a copy from the bank if you cannot find it online.

Lounge access: if HDFC Bank Regalia Credit Card advertises airport-lounge access, the headline number (visits per quarter, domestic vs international) is in the Benefits tab; the access is usually conditional on minimum quarterly spends, which the same tab will list.

HDFC Bank Regalia Credit Card targets applicants who are 21-65 years old and earn at least ₹12,00,000 for salaried applicants.

The bank assesses credit-card applications on four factors: your CIBIL score (750+ recommended), your monthly income versus the minimum-income threshold, your employment stability (Salaried / self-employed both qualify for most cards), and your existing relationship with HDFC Bank — existing customers usually see faster approvals and higher initial credit limits.

Credit score note: Excellent credit score preferred Eligible professions include: All.

If your profile is on the borderline, applying through the bank's existing-customer portal (salary account + this card) usually gives 1.5-2x the approval odds versus a cold application. The bank's pre-qualified offer (when available) skips the hard pull entirely.

When you apply for HDFC Bank Regalia Credit Card, HDFC Bank will ask for the documents listed below. Existing customers with a current salary account typically see a reduced list — the bank already has your KYC on file and only re-asks for income proof if your salary has changed materially in the last 12 months.

Documents you will need:

All documents can be uploaded digitally via the bank's application portal — there is no need to visit a branch in 2026. Keep scans under 2 MB each (PDF preferred for paperwork, JPG for the photograph) and ensure your name matches your PAN exactly; a mismatch is the single most common cause of application rejection at the document-verification stage.