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HDFC Bank Regalia credit card

HDFC Bank

HDFC Bank Regalia Credit Card

Best for travel, lounge-access, premium

₹2,500/yr annual fee · 4x rewards

Mastercard

By FinWiz24 Research Desk · Last reviewed · How we review

FinWiz24 Research Desk

FinWiz24 Research Desk

Verified independently against issuer Terms & Conditions

Editorial Team

We stopped sourcing this card because the issuer no longer publishes complete terms. The figures below may be out of date.

Annual fee

₹2,500/yr

Reward rate

4x

Min. income

₹12,00,000

Forex markup

Not published

Lounge access

Domestic + international

Eligibility

₹12 lakh/yr · CIBIL 750+

Reward cap

50,000 reward points per statement cycle (Regalia Gold); not specified for old Regalia

Welcome benefit

Up to 10,000 bonus Reward Points on annual spends ≥ ₹5L (Regalia); Regalia Gold: ₹5,000 flight vouchers at ₹5L & ₹7.5L…

Who is this for

  • Frequent traveller
  • Premium cardholder

What we like

  • Unlimited international lounge access
  • Milestone vouchers or extras

Watch out for

  • ₹2,500 non-waiver joining fee
  • ₹1,000 late-payment fee
  • 2.5% cash-advance fee

Issuer

Bank

HDFC Bank

Private sector bank

All HDFC Bank cards →

Headquarters

Mumbai, Maharashtra

Established 1994

Toll-free

1800-202-6161

Customer care: 1860-267-6161

Website

www.hdfcbank.com

Network

Mastercard

See all cards on this network

Fees and charges

Fee Amount Waiver
Renewal fee ₹2,500 Waived on annual spends ≥ ₹3,00,000
Fuel surcharge 1% 1% surcharge waived on fuel transactions between ₹400 and ₹5,000
Joining fee ₹2,500 Not waivable
Annual fee ₹2,500 Not stated on current fee page for Regalia (Regalia Gold has ₹4L waiver); for older Regalia, waiver was on ₹3L annual spend (per HDFC historical T&C)
Forex markup Not published Not waivable
Over-limit fee ₹500 Not waivable
Late payment ₹1,000 Not waivable
Cash advance 2.5% of amount Not waivable
EMI processing ₹99 Not waivable

Rewards

Spend category Rate Cap Redemption
All spends 4 Reward Points per ₹200 spent; up to 5X on SmartBuy (flights, hotels, gift vouchers); 5X on Marks & Spencer / Myntra… 50,000 reward points per statement cycle (Regalia Gold); not specified for old Regalia 1 RP = up to ₹0.5 (flights/hotels via SmartBuy); ₹0.65 (exclusive Gold catalogue for Regalia Gold); ₹0.35 (products/vouchers); ₹0.20 (statement credit)
SHOPPING 4.00 — 0.50
DINING 4.00 — 0.50
TRAVEL 4.00 — 0.50

Benefits

  • Domestic lounge access

    Up to 2 complimentary domestic lounge vouchers every quarter on min ₹1L quarterly spend (Regalia); Regalia Gold: 3 domestic lounges per quarter on ₹60,000+ quarterly spend

  • International lounge access Highlight

    Up to 6 complimentary Priority Pass lounge visits per year (outside India) after 4 card transactions (Regalia); Regalia Gold: 6 Priority Pass visits per year

  • Milestone benefits Highlight

    Up to 10,000 bonus Reward Points on annual spends ≥ ₹5L (Regalia); Regalia Gold: ₹5,000 flight vouchers at ₹5L & ₹7.5L annual + ₹1,500 Myntra/Nykaa voucher per quarter on ₹1.5L quarterly

  • Fuel surcharge waiver

    1% fuel surcharge waiver on fuel between ₹400 and ₹10,000 (Regalia Gold explicitly states this)

Eligibility

Age
21–65 years
Min. income
₹12,00,000
Min. credit score
750+
Score note
Excellent credit score preferred
Employment
Salaried, self-employed
Documents
PAN, Aadhaar, salary slips / ITR, bank statements, photo, address proof

HDFC Bank Regalia Credit Card is a MASTERCARD credit card from HDFC Bank. It is best suited for travel, lounge-access, premium.

Fees and rewards

  • Annual fee: ₹2500
  • Joining fee: ₹2500
  • Rewards: 4 reward points per Rs 200

Eligibility

PAN, Aadhaar, salary slips / ITR, bank statements, photo, address proof

Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: sourcing stopped. Replaced by hdfc-regalia-gold.

Step-by-step application guide: Read the HDFC Bank Regalia Credit Card apply walkthrough →

Cards with similar benefits, rewards, or eligibility requirements.

Frequently asked questions

Is the HDFC Bank Regalia Credit Card worth it?
HDFC Bank Regalia Credit Card is a credit card issued by HDFC Bank. Whether it is worth it depends on your monthly spend pattern and whether the annual fee (if any) is waivable. Compare the fee and reward rate on this page against your expected annual spend to make an informed decision.

What is the annual fee for the HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card charges ₹2,500 as the annual fee. Most issuers waive it on minimum annual spends — check the fee tile on this page for the waiver condition.

How does the HDFC Bank Regalia Credit Card reward rate work?
HDFC Bank Regalia Credit Card earns 4x base reward rate on all spends. Each card's rewards tile on this page shows the category-wise multipliers and any monthly or yearly caps.

What are the eligibility requirements for the HDFC Bank Regalia Credit Card?
To qualify for HDFC Bank Regalia Credit Card, you typically need: minimum annual income ₹12,00,000; CIBIL score of 750+; Salaried / self-employed only. The eligibility tile on this page has the full published criteria.

Does the HDFC Bank Regalia Credit Card offer airport lounge access?
Up to 2 complimentary domestic lounge vouchers every quarter on min ₹1L quarterly spend (Regalia); Regalia Gold: 3 domestic lounges per quarter on ₹60,000+ quarterly spend; Up to 6 complimentary Priority Pass lounge visits per year (outside India) after 4 card transactions (Regalia); Regalia Gold: 6 Priority Pass visits per year

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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.