HDFC Bank Regalia Credit Card
Elevate your lifestyle with premium rewards and travel benefits.
Network: Mastercard, Visa | Type: Travel and Rewards | Reward: Reward Points
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Fees & Charges
- Joining Fee: ₹2,500 + GST
- Annual Fee: ₹2,500 + GST
- Waiver: Waived on spending ₹3 lakh in the card anniversary year
- Foreign Markup: 2% + GST
- Fuel Surcharge: 1% waiver on transactions between ₹400 and ₹5,000; maximum waiver of ₹500 per statement cycle
- Redemption Fee: None
- Late Payment Fee: ₹100 – ₹1,300 based on outstanding amount
- Interest Rate: 3.6% per month
- Cash Advance: 2.5% or ₹500 minimum
Credofly Review
The HDFC Regalia Credit Card stands out in the premium segment, offering a comprehensive suite of benefits for travelers and lifestyle enthusiasts. With generous reward points, milestone bonuses, and exclusive dining discounts, it provides substantial value. The lounge access and concierge services enhance the travel experience, while the insurance coverage offers peace of mind. However, the absence of accelerated reward points on specific brands and the capping on lounge access are areas to consider. Overall, it’s a compelling choice for those seeking a luxurious credit card experience.
Rewards & Earnings
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4 Reward Points on every ₹150 spent across retail spends including insurance.
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1 Reward Point = ₹0.50 for flights and hotel bookings via SmartBuy.
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1 Reward Point = 0.5 air mile when converting to air miles through NetBanking.
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1 Reward Point = up to ₹0.35 on redeeming against products and vouchers via NetBanking or SmartBuy.
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1 Reward Point = ₹0.20 on redemption against cashback.
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Flights & Hotels via SmartBuy: 1 RP = ₹0.50
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Airmiles Conversion: 1 RP = 0.5 air mile
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Products & Vouchers: 1 RP = up to ₹0.35
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Cashback: 1 RP = ₹0.20
Benefits
- Welcome:
₹2,500 Gift Voucher upon payment of the joining fee.
- Milestone:
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10,000 Bonus Reward Points on spending ₹5 lakh in an anniversary year.
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Additional 5,000 Reward Points on spending ₹8 lakh in an anniversary year.
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- Renewal:
Annual fee waived on spending ₹3 lakh in the card anniversary year.
- Lifestyle:
Why We Like It
Offers a balanced mix of travel perks, lifestyle benefits, and reward points, suitable for high spenders seeking luxury experiences.
Pros & Cons
✅ Pros
Complimentary lounge access (8 domestic, 6 international)
Exclusive dining discounts through Swiggy Dineout
Comprehensive insurance coverage
❌ Cons
No accelerated reward points on specific brands
Lounge access capped and based on quarterly spending
Annual fee waiver requires ₹3 lakh annual spend
Eligibility & Application
Eligibility:
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Salaried Individuals: Age 21–60, Net Monthly Income ≥ ₹1 lakh
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Self-Employed Individuals: Age 21–65, Annual ITR > ₹12 lakh
How to Apply:
Apply online via Credofly: https://credofly.com/go/hdfc-regalia. Submit necessary documents and complete eKYC for quick approval.
FAQs
What are the welcome benefits of the HDFC Regalia Credit Card?
Upon payment of the joining fee, you receive a ₹2,500 gift voucher.
How does the reward points system work?
Earn 4 Reward Points on every ₹150 spent across retail spends including insurance.
What are the milestone benefits?
Receive 10,000 bonus reward points on spending ₹5 lakh in an anniversary year, and an additional 5,000 reward points on spending ₹8 lakh.
Is there a fuel surcharge waiver?
Yes, a 1% fuel surcharge waiver is applicable on transactions between ₹400 and ₹5,000, with a maximum waiver of ₹500 per statement cycle.
What lounge access benefits are provided?
Enjoy 8 complimentary domestic lounge visits per year (2 per quarter) on spending ₹1 lakh in the previous quarter, and 6 international lounge visits per year through Priority Pass.
How can reward points be redeemed?
Redeem points for flights and hotels via SmartBuy (1 RP = ₹0.50), airmiles conversion (1 RP = 0.5 air mile), products and vouchers (1 RP = up to ₹0.35), or cashback (1 RP = ₹0.20).
What insurance benefits are included?
The card offers an accidental air death cover of ₹1 crore, emergency overseas hospitalization cover up to ₹15 lakh, and a credit liability cover up to ₹9 lakh.
What is the foreign currency markup fee?
A 2% + GST fee is applicable on all foreign currency transactions.
User Reviews
Users say
Great card for daily use
Good benefits, lounge, reward points.
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