HDFC Bank credit card
HDFC Bank Regalia Credit Card
Elevate your lifestyle with premium rewards and travel benefits.
Credofly overview
Is HDFC Bank Regalia Credit Card right for you?
A premium credit card offering a blend of travel perks, lifestyle benefits, and reward points, suitable for high spenders seeking luxury experiences.
Earn 4 Reward Points on every ₹150 spent across retail spends including insurance.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
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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.
How you can redeem
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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
EMI Transactions, Wallet, Rent, Fuel, and Government Spends
<p>No reward points on fuel, wallet loads, rent payments, EMI transactions, or government-related spends.</p>Beyond rewards
Benefits that matter
Welcome offer
₹2,500 Gift Voucher upon payment of the joining fee.
Milestone benefits
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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.
Renewal benefits
Annual fee waived on spending ₹3 lakh in the card anniversary year.
Card benefits
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Complimentary Lounge Access: 8 domestic visits per year (2 per quarter) on spending ₹1 lakh in the previous quarter.
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Priority Pass Membership: 6 international lounge visits per year.
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Dining Discounts: Up to 15% off at partner restaurants through Swiggy Dineout.
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Insurance Coverage: Air accidental death cover, emergency overseas hospitalization, and credit liability cover.
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Concierge Service: 24/7 assistance for travel and lifestyle needs.
Our independent take
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.
✔️ Ideal for frequent travelers and lifestyle enthusiasts
✔️ Generous reward points and milestone benefits
❌ No accelerated reward points on specific brands
Why we like it
Offers a balanced mix of travel perks, lifestyle benefits, and reward points, suitable for high spenders seeking luxury experiences.
Strengths
- <p>Complimentary lounge access (8 domestic, 6 international)</p>
- <p>Exclusive dining discounts through Swiggy Dineout</p>
- <p>Comprehensive insurance coverage</p>
Watch-outs
- <p>No accelerated reward points on specific brands</p>
- <p>Lounge access capped and based on quarterly spending</p>
- <p>Annual fee waiver requires ₹3 lakh annual spend</p>
Before you apply
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.
Your questions answered
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.
From cardholders
User reviews
Great card for daily use
Good benefits, lounge, reward points.
No Title
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