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  • HDFC Bank Regalia Credit Card

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  • If you are looking for a card to help you travel in luxury, the HDFC Bank Regalia Credit Card is the one to consider. This card has a joining fee of Rs.2,500 which is waived to Rs.0 if you spend Rs.60,000 within 90 days. Alternatively, the fee is reduced to Rs.0 if you open a current account or a savings account worth Rs.60,000 within 90 days. The annual fee from the second year onwards is Rs.2,500. This too is waived if you spend Rs.3 lakh within 12 months or open a current account or savings account for Rs.3 lakh within 12 months. The interest rate you are charged is 3.49% per month or 41.88% p.a.
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    HDFC Regalia Credit Card

    Among the top tier of credit cards offered by HDFC Bank, the Regalia card comes with a host of lifestyle and travel rewards. Enjoy joining benefits, complimentary lounge access and more across categories such as travel, dining and shopping.

    Enabled with contactless technology, the credit card allows fast, convenient and secure payments. Listed below are the features and benefits offered by HDFC Regalia Credit Card with other useful information.

    Key Highlights of the HDFC Regalia Credit Card

    • Annual spending benefits: Spend Rs.5 lakh or more in an anniversary year and earn 10,000 reward points. Earn 5,000 additional reward points if spends in the year equal Rs.8 lakh or more.
    • Fast and secure payments: With an inbuilt contactless payment technology, the Regalia Credit Card allows quick and secure transactions at retail terminals that do not require a PIN. Cardholders can simply tap the card at the device to process the transaction. The minimum transaction amount required to process a contactless payment is Rs.2,000. Any amount less than that would require you to input the PIN.
    • Exclusive dining benefits: With an HDFC Regalia Credit Card, you can enjoy exclusive dining privileges at 3000+ restaurants across the country. You can avail up to 15% discount on the bill every time you dine-out. The list of eligible restaurants in each city is available on the HDFC website.
    • Rewards programme: Earn rewards faster with your Regalia card. Redeem your accrued points for attractive gifts and rewards available exclusively for Regalia cardholders. What's more, you can convert your reward points into air miles, redeemable across leading national and international airlines.
    • Interest-free period: Enjoy up to 50 days of interest-free period provided the entire due from the previous month is cleared on time.
    • Foreign currency mark-up fee: Enjoy a low foreign currency mark-up fee of 2% when you use your card overseas.

    Benefits and Features of the HDFC Regalia Credit Card

    • Fuel surcharge waiver: Fuel surcharge is waived off on fuel transactions made on your card. Fuel transactions worth Rs.400 to Rs.5,000 are eligible for the waiver with a monthly surcharge waiver capped at Rs.500 per billing cycle.
    • Airport privileges: Enjoy complimentary Club Vistara Silver membership applicable for the primary cardholder. Enjoy priority check-in and waitlist clearance, additional baggage allowance and an option to earn 9 Club Vistara points on every Rs.100 spent on the card.
    Please note: Club Vistara Silver membership has been discontinued for Regalia cards issued from 20th March, 2019. Existing cardholders can avail of this membership until expiry.

    • Complimentary Zomato Gold membership: Enjoy Zomato Gold membership for 1 year at no charge with your card. Also enjoy up to 2 drinks at no extra fee when you dine at participating restaurants.

    Please note: Zomato Gold membership is valid only for Regalia cards issued after 20th March, 2019 and is limited to the primary cardholder.

    • Complimentary airport lounge visits: With a complimentary Priority Pass membership, enjoy access to more than 1,000 airport lounges across the globe. The primary member along with the add-on credit cardholder will get 6 complimentary visits to lounges outside India in a calendar year.
    • Cardholders can also enjoy complimentary access to domestic airport lounges, through the Regalia Visa/MasterCard Credit Card Lounge program. The programme provides 12 free visits to domestic airport lounges in a calendar year.
    • Travel concierge services: HDFC Bank provides travel concierge assistance service to all its Regalia Credit Card users helping them to customise their travel experience. The travel concierge will help the cardholder in making airline reservations, hotel room bookings, movie bookings and other services.
    • Comprehensive air travel cover: Your HDFC Regalia credit card comes with free insurance cover that protects the primary cardholder in case of air accidents. Card members are eligible for air accident death cover of Rs.1 crore, emergency overseas hospitalisation cover of Rs.15 lakh and credit liability cover worth Rs.9 lakh.

    HDFC Regalia Credit Card LimitThe card limit is at the discretion of the bank and dependent on factors such as your credit score and credit history.

    HDFC Regalia Reward Point BenefitsEarn 4 reward points on every Rs.150 you spend on your card.

    HDFC Regalia Reward Point RedemptionReward points earned on your Regalia card expire within 2 years of accumulation. You can redeem your existing points by following the steps below:

    • Visit the dedicated HDFC Regalia portal (www.hdfcregalia.com) and choose from the list of redemption options.
    • Alternatively, you can also choose from the options listed under the 'SmartBuy' section on the HDFC Bank website or on NetBanking.
    • Select the voucher/reward and confirm your selection, after which the points stand redeemed.

    Fees And Charges Of HDFC Regalia Credit Card

    Some of the fees and charges associated with your card can be found below:

    Type of fees or charges Amount (Rs.)
    First year membership fee Rs.2,500 + taxes
    Renewal membership fee Rs.2,500 + taxes (waived if you spend Rs.3 lakh in one year)
    Additional card fee Nil
    Revolving credit charges 3.49% per month
    Cash advance charges 2.5% of the amount or a minimum of Rs.500
    Overlimit account charges 2.5% of the amount or a minimum of Rs.500
    Payment return charges 2% of the payment amount subject to a minimum amount of Rs.450
    Cash processing fee Rs.100
    Rewards redemption fee Rs.99 per redemption request
    Late payment fee

    Less than Rs.100 - None

    Rs.100 to Rs.500 - Rs.100

    Rs.501 to Rs.5,000 - Rs.500

    Rs.5,001 to Rs.10,000 - Rs.600

    Rs.10,001 to Rs.25,000 - Rs.800

    Above Rs.25,000- Rs.950

    Balance transfer processing fee Rs.250 or 1% of the balance transfer amount, whichever is higher
    Railway ticket booking fee 1.8% of the transaction amount +taxes
    Re-issue of damaged/lost/stolen card Rs.100
    Outstation cheque processing charge

    Cheque value of less than Rs.5,000- Rs.25

    Cheque values above Rs.5,000- Rs.50

    Foreign currency transaction fee 2% of transaction amount

    HDFC Regalia Credit Card Eligibility and Documentation

    The eligibility criteria as well as documents to be submitted are listed below:

    • Salaried professionals should be aged 21 years and above but below 60 years. Income should be more than Rs.1.2lakh per month.
    • Self-employed applicants should be aged 21 years and above but below 65 years. Annual income should be more than Rs.12 lakh.
    • Income proof, address proof and identity proof documents are to be submitted as per the bank's request.

    How To Apply For Regalia Credit Card Online

    Apply for a HDFC Regalia credit card online by following the steps below:
    • Visit the HDFC Bank website and choose the 'Regalia' card from among the options listed.
    • Click on the 'Apply Online' button.
    • You will be redirected to an online web form, where you need to fill in the required details such as name, mobile number, e-mail ID, company name, monthly income, etc.
    • Check the box that authorises the bank representatives to contact you and click on 'Submit'.
    • Once HDFC receives your application, you will receive a phone call or SMS on your registered mobile number. If you're eligible to apply for the card, the application process will be informed to you over the call and you can follow the same to apply for Regalia Credit Card.

    HDFC Regalia Card FAQs

    1. How do I earn reward points on Regalia Credit Card?
    2. You can earn reward points by making transactions using your Regalia Credit Card. Only retail spends are eligible for the reward points. Fuel transactions and EasyEMI transactions are not eligible for reward points. The accrued reward points will have an expiry of 2 years before which they should be redeemed for various gifts available on the rewards catalogue.

    3. Do I earn reward points for international flight bookings made using Regalia Credit Card?
    4. Yes, you earn reward points for all domestic and international airlines bookings.

    5. Can I recharge my mobile on the Regalia online platform?
    6. Yes, you can access the HDFC Regalia online portal and recharge your prepaid mobile phone.

    7. How can I make payments for the HDFC Regalia card?
    8. You can make payments for your credit card through multiple payment options like auto pay, funds transfer, Net Banking, mobile banking, etc.

    9. I misplaced my Regalia credit card. What do I do?
    10. If you have misplaced/lost your card, simply call the Credit Card Customer Care division and notify them of the same. Your card will be blocked instantly. Alternatively, you can report a lost/stolen card through your NetBanking account.

    >Other Top Credit Cards By HDFC Bank
      

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    HDFC Bank Regalia Credit Card Reviews

    • HDFC Bank Credit Card
      "Not upto the expectation"
      0.5 3.0/5 "Satisfactory"
      I'm using HDFC credit card for a long back and they are not supporting the people much because I'm not getting any offer from this card. I'm using the Regalia card and i need to pay the annual fee of Rs. 499 which will not waived off. I don't use this card much.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 25, 2020
    • HDFC Bank
      HDFC Bank Credit Card
      "Best Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was taken through Bank. This was a regalia card with zero annual fee. The credit limit was good and also converting emi option is there .I am getting discounts on shopping .I am using this credit card for the past 2 years .I am satisfied with the service so far .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 16, 2020
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank directly .I am using this credit card for more than 10 years ,This was a life time free card and it was a regalia card .The credit card details was clearly shared by the agent.I have not faced any difficulties so far on using .I am comfortable with the service so far .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 11, 2020
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank regalia credit card which is a chargeable card.The credit limit was really satisfied it was 8 lakhs.I am happy with the credit limit .This credit card is having airport lounge access and having good cash back offers as well as reward points .I am satisfied with the overall service .
      Was this review helpful? 1
      , surat
      Reviewed on Dec 14, 2019
    • HDFC Bank Credit Card
      "Best travel card"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank regalia credit card which was taken through bank directly. I am using this credit card for the past 4 years.The credit limit was very sufficient. This card has a insurance benefits, travel booking offer, etc. Customer service and responsiveness was good.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Nov 27, 2019
    • HDFC Bank Credit Card
      "The best"
      0.5 5.0/5 "Blown Away!"
      HDFC is providing a EMI conversion facility with a free of cost. Its a life time free credit card. If i purchase any consumer durable items i get lots of cashback on online and offline purchase. Its a regalia credit card hence they are providing free airport launch access 12 times in a year with domestic access and 6 in international airport.
      Was this review helpful? 1
      , kolkata
      Reviewed on Nov 26, 2019
    • HDFC Bank Credit Card
      "App has to launch"
      0.5 4.0/5 "Great!"
      HDFC is a average card to use because they do not have any app to check the details. I have not tried their EMI conversion facility. I don't get any benefits on this card. Its a regalia credit card and i am using this card for more than 8 years. They haven't enhanced my limit till now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 25, 2019
    • HDFC Bank Credit Card
      "Best travel card"
      0.5 5.0/5 "Blown Away!"
      I am using this HDF REGALIA credit card more than 2 years. Credit limit was sufficient and it will be good if enhance the limit it will be good .This was a free card and there are no cash back offers only getting reward points. I am getting 6 international lounge access and 8 domestic lounge access.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 25, 2019
    • HDFC Bank Credit Card
      "Shopping card"
      0.5 4.0/5 "Great!"
      I am using HDFC BANK REGALIA CARD, this is the best travel card. This is a life time free credit card. Credit limit is sufficient and good, customer service and responsiveness was very good. I think i am getting lounge benefits but i am not sure.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 25, 2019
    • HDFC Bank Credit Card
      "Pretty convenient to use"
      0.5 4.0/5 "Great!"
      I have taken HDFC credit card 3 months before. Its a regalia card and I get lot of benefits like cash back. They are giving offers on a time to time basis. The card transaction is smooth. They are sending bills on time and its clear to understand as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 25, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC bank regalia card more than 5 years.This is a life time free card and also I am happy with the credit limit. Since I am a privilege customer and holding account more than 17 years, so I got this credit card offer. I use to do all purchases on this card and also last month I made Rs. 60,000 for shopping purpose.
      Was this review helpful? 2
      , chennai
      Reviewed on Nov 24, 2019
    • HDFC Bank Credit Card
      "Best reward card"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Bank regalia card. When i applied ,i thought zero annual charges. Executive call for documentation i don't have any documents and they informed that card has some annual charges of Rs. 500. Customer service and responsiveness is average.
      Was this review helpful? 4
      , noida
      Reviewed on Nov 14, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was taken through Bank directly .This card i am using for almost 2 years an it is pretty useful in all situations .The credit limit was automatically increased after 1.5 years .This card is having a very good facility such as regarding the due date update i will be getting text message as well as email .
      Was this review helpful? 1
      , kochi
      Reviewed on Nov 13, 2019
    • HDFC Bank Credit Card
      "Very Good Card"
      0.5 5.0/5 "Blown Away!"
      I use a HDFC credit card with a limited transaction. They have increased my credit limit in HDFC. More than a year, i hold this card. I'm holding the regalia card and i use the airport launch access facility. I make the payment through online. I receive the OTP immediately whenever i do the transaction and the card is safe to use.
      Was this review helpful? 2
      , chennai
      Reviewed on Nov 08, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have Hdfc Bank credit card which i have taken through Bank directly.I am using this credit card for the past 4 years .The credit limit was awesome and this was a Regalia card.There are really good cash back offers as well as reward points.I am satisfied with the service .
      Was this review helpful? 1
      , gandhidham
      Reviewed on Oct 24, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I am holding the regalia credit card from HDFC bank. I get some shopping benefits, points and they have some travel related benefits. Its a life time free card hence there is no annual fee. I don't face any issue till now. I use this card for more than 5 years and they have enhanced my limit on a time to time basis.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 18, 2019
    • HDFC Bank Credit Card
      "Wonderful Card"
      0.5 4.5/5 "Excellent!"
      HDFC is an excellent card and i do use the Regalia card from that i can get the airport launch access, value of the accumulated point is high, petrol fee waiver and its a free card to use. I have been holding this card for around 8 years and its a hassle free card. EMI conversion facility is available on the card and the charges are nominal.
      Was this review helpful? 2
      , chennai
      Reviewed on Oct 05, 2019
    • HDFC Bank Credit Card
      "Most convenient card"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is most beneficial when I compared with my other cards because am very comfortable in using this card. They have provided me a life time free card. I have been using REGALIA Card for last one year. They are giving reward points and cash back is also available.
      Was this review helpful? 3
      , chennai
      Reviewed on Sep 27, 2019
    • HDFC Bank Credit Card
      "Favourite card"
      0.5 4.5/5 "Excellent!"
      I am very satisfied with HDFC BANK credit card, the main thing is the interest rate is nominal. They have given a good limit and they are doing the needful according to the customer request. I am getting reward points and am having a Regalia card.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 16, 2019
    • HDFC Bank Credit Card
      "Fine Card"
      0.5 4.5/5 "Excellent!"
      I am holding the Regalia credit card from HDFC and i am not much using the credit card. I'm much satisfied with the HDFC card limit. I need to pay some annual fee of Rs. 1500 and it won't get waived off even though if i use certain limit. I hold this card for 2 months and i received the first month bill which is not that much clear to understand. There are various option to do the payment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 16, 2019
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