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How to Apply for the HDFC Regalia Credit Card in 2026

Darshil Chauhan's profile photo Darshil Chauhan
5 min read
Reviewed by Jay Dodiya Last reviewed 5 September 2026 Data verified 5 September 2026

Heads-up: HDFC Bank Regalia Credit Card is no longer openly issued, so some figures below may be stale. The application steps still show how issuer applications generally work.

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.

How to Apply for the HDFC Regalia Credit Card in 2026

How to apply Total time: 15 min · Estimated cost: ₹2,500 (joining fee) · You’ll need: PAN card, Aadhaar, salary slips, bank statement, HDFC NetBanking or SmartHub

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

  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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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