Questions about How to Apply for the HDFC Regalia Credit Card in 2026

How to Apply for the HDFC Regalia Credit Card in 2026

Apply for the HDFC Regalia Credit Card online via NetBanking or the SmartHub portal. Eligibility, documents, fees, and step-by-step application walkthrough.

FinWiz24 Editorial

Published 20 December 2025

Updated 18 June 2026

5 min read

How to Apply for the HDFC Regalia Credit Card in 2026

The HDFC Regalia Credit Card is one of India's most recognised mid-premium travel cards. It offers 6 international lounge visits a year, a 5X rewards multiplier on travel spends, and a milestone gift voucher of ₹1,500 once you cross ₹1 lakh in spends per quarter. The application can be completed entirely online through HDFC Bank NetBanking, the SmartHub mobile app, or the public website. Approval is instant for pre-qualified customers, otherwise it takes 7–10 working days.

Why this matters

HDFC Regalia is best suited for salaried individuals earning ₹10–25 lakh per annum with a clean credit history. The card's annual fee of ₹2,500 is waived on spends of ₹3 lakh in the previous year, so it suits moderate-to-high spenders rather than occasional users. The lounge access is the most useful perk — most cardholders recover the annual fee in lounge savings alone.

Card: hdfc-regalia View Card

How to Apply for the HDFC Regalia Credit Card in 2026

How to

How to Apply for the HDFC Regalia Credit Card in 2026

Apply for the HDFC Regalia Credit Card online via NetBanking or the SmartHub portal. Eligibility, documents, fees, and step-by-step application walkthrough.

Time: 15mCost: ₹2,500 (joining fee)

What you'll need

PAN card
Aadhaar
salary slips
bank statement
HDFC NetBanking or SmartHub

1
Check the eligibility criteria
HDFC Regalia requires you to be 21–60 years old, a resident Indian with a stable monthly income (≥ ₹1 lakh for salaried, ≥ ₹15 lakh annual for self-employed), and a CIBIL score of 750 or higher. The card is not available to NRIs in the domestic variant.
2
Decide between NetBanking, SmartHub, or website
If you already bank with HDFC, NetBanking offers the fastest path because much of your KYC data is pre-filled. SmartHub is best for mobile-first applications. The public website works for everyone and lets you upload documents from scratch.
3
Pre-fill the application form
Enter your full name exactly as on PAN, mobile number, email, residential address, employment type, employer name, monthly income, and existing credit relationships. Cross-check with your PAN and Aadhaar — any mismatch causes instant rejection.
4
Complete CKYC and Aadhaar eKYC
You will be redirected to a CKYC page that pulls your Aadhaar-linked identity data. Enter your 12-digit Aadhaar, give consent, and verify with the OTP sent to your Aadhaar mobile. eKYC completes within 60 seconds.
5
Upload income documents
Upload the latest 3 months' salary slips and the last 6 months' bank statement. Self-employed applicants must upload the last 2 years' ITR with computation and Form 26AS. PDFs under 2 MB work best.
6
Choose card variants and supplementary cards
HDFC Regalia ships as a Visa Signature and a Mastercard World Edition. Both have the same benefits — pick the network whose lounge access you prefer. You can add up to 3 free supplementary cards for family members above 18.
7
Submit and track the application
Submit the application and note down the 9-digit application reference number. Track status on the HDFC website under 'Track Credit Card Application' or in SmartHub. Approval is instant for pre-qualified profiles; otherwise it takes 7–10 working days.
8
Pay the joining fee and receive the card
Once approved, HDFC will charge ₹2,500 + GST as the joining fee. The card is dispatched within 5 working days via BlueDart and delivered to your verified address. Activate it via the IVR number printed on the sticker or in SmartHub.

Common mistakes to avoid

Most rejections happen because the application has a name mismatch with PAN, an income that falls below the ₹1 lakh threshold, or an existing relationship with multiple cards. Do not apply through third-party websites — they collect referral fees and may delay processing. Avoid applying for Regalia if your CIBIL score is below 740.

Pro tips

Apply through HDFC NetBanking for a higher approval rate on pre-qualified profiles
Time your application to align with a salary credit so your bank statement looks strong
Add a supplementary card to a spouse to consolidate spends and hit the fee waiver faster
Use the SmartHub app's 'Card Tracker' to monitor shipping

Frequently asked questions

Is HDFC Regalia lifetime free?

No. The annual fee is ₹2,500 + GST. It is waived if you spend ₹3 lakh or more in the previous 12 months. Joining fee is non-waivable.

How long does approval take?

Approval is instant for pre-qualified HDFC customers. For others, it takes 7–10 working days from the date all documents are received.

Can I apply for Regalia with a CIBIL score of 720?

Approval is possible but uncommon. HDFC prefers 750+. Below 740, your application is likely to be reviewed manually and may take longer.

Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.

Written by FinWiz24 Editorial

Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.