HDFC Bank
HDFC Bank Regalia Credit Card
Travel and Rewards
₹2,500 + GST
₹2,500 + GST
Card Details
The HDFC Regalia Credit Card is designed for individuals seeking a blend of luxury and rewards. With complimentary lounge access, milestone reward points, and exclusive dining discounts, it offers a comprehensive package for frequent travelers and lifestyle enthusiasts.
Available Networks: Mastercard, VisaReward Details
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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.
Best Suited For
You will get high Reward Points as compared to other credit cards
Earn 4 Reward Points on every ₹150 spent across retail spends including insurance.
Milestone Details
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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.
Reward Redemptions
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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
Excluded Spend Categories
You wont get any Reward Points for following spend types
Pros of HDFC Bank Regalia Credit Card
Complimentary lounge access (8 domestic, 6 international)
Exclusive dining discounts through Swiggy Dineout
Comprehensive insurance coverage
Cons of HDFC Bank Regalia Credit Card
No accelerated reward points on specific brands
Lounge access capped and based on quarterly spending
Annual fee waiver requires ₹3 lakh annual spend
Why We Like It
Offers a balanced mix of travel perks, lifestyle benefits, and reward points, suitable for high spenders seeking luxury experiences.
Application Process
Apply online via Credofly: https://credofly.com/go/hdfc-regalia. Submit necessary documents and complete eKYC for quick approval.
Card 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
Conclusion
✔️ Ideal for frequent travelers and lifestyle enthusiasts
✔️ Generous reward points and milestone benefits
❌ No accelerated reward points on specific brands
