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    HDFC Bank Regalia Credit Card is Rated as "Excellent!" by 298 Users

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    HDFC Bank Regalia Credit Card

    Are you looking for a credit card that offers maximum luxury and travel benefits? Do you want a credit card that offers higher membership rewards? If you are looking for a card with such benefits, then HDFC Regalia will be the right credit card for you. The HDFC Regalia credit card comes with a wide range of features and benefits. It is one of the super-premium credit card variants offered by HDFC. The bank claims that the Regalia card provides luxury and exclusive travel and lifestyle benefits.

    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.

    Benefits Of HDFC Regalia Credit Card

    • Welcome gift: Cardholders can earn 2,500 reward points as a welcome benefit and another 2,500 points on the renewal of the card. The welcome benefit is not applicable if the renewal fee is waived off or if the membership fee is not paid. 
    • 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 the spends in the year equal Rs.8 lakh or more.
    • Fast and secure payments: With an inbuilt contactless payment technology, 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 HDFC website.
    • Rewards programme: Every Rs.150 spent on the card will bring 4 reward points. The accrued reward points can be redeemed for travel bookings made on www.hdfcbankregalia.com and also for gift and rewards listed on HDFC’s exclusive rewards catalogue. Reward points can also be converted into AirMiles of leading national and international airlines. 
    • Fuel surcharge waiver: Fuel surcharge, which is typically levied on all card transactions done at petrol stations, will be waived off on Regalia Credit Card fuel transactions. 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. 
    • Interest-free period: Enjoy up to 50 days of interest-free period provided the entire due from the previous month is cleared on time. The carry forwarded balance from the previous month will attract an interest of 3.49% per month.
    • Foreign currency mark-up fee: Using HDFC Regalia credit card abroad is not an expensive affair with the bank charging a less foreign currency mark-up fee of 2%.

    Travel Benefits Offered By HDFC Regalia Credit Card 

    Besides the lifestyle benefits, HDFC Regalia Credit Card offers attractive travel benefits that enable the cardholders to enjoy their vacation. Here are the travel perks offered by the card at no additional cost. 

    • Airport privileges:  Regalia Credit Card comes with a complimentary club vistara silver membership applicable for the primary cardholder. The membership allows the cardholders to 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. 
    • Complimentary airport lounge visits: The waiting times at the airports are no more painstaking with HDFC Regalia Credit Card. With a complimentary priority pass membership, cardholders will get preferential 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 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: HDFC Regalia credit card comes with a free insurance cover that protects the primary cardholder from various travelling risks. Card members are eligible for an air accident death cover of Rs.1 crore, emergency overseas hospitalisation cover of Rs.15 lakh and credit liability cover worth Rs.9 lakh.

    Fees And Charges Of HDFC Regalia Credit Card

    Type of fees or charges

    Amount (Rs.)

    First year membership fee

    Rs.2,500 + taxes

    Renewal membership fee

    Rs.2,500 + taxes

    Limit on cash advance

    40% of the total credit limit

    Fee for additional card

    NIL

    Revolving credit charges

    3.49% per month or 41.88% per annum

    Charges for cash advance

    2.5% of the withdrawn amount subject to a minimum of or Rs.500

    Overlimit account charges

    2.5% of the overlimit amount subject to a minimum amount of Rs.500

    Payment return charges

    2% of the payment amount subject to a minimum amount of Rs.450

    Fee for cash processing

    Rs.100

    Fee for Rewards redemption

    Rs.99 for every redemption request

    Late payment fee

    If the statement balance is <Rs.100 – NIL

    Rs.100 to Rs.500 – Rs.100

    Rs.501 to Rs.5,000 – Rs.400

    Rs5,001 to Rs.10,000 – Rs.500

    Above Rs.10,000 – Rs.750

    Processing charges for balance transfer

    Rs.250 or 1% of the balance transfer amount, whichever is higher

    Fee for purchase of Railway tickets

    1.8% of the transaction amount + GST

    Re-issue of stolen/ damage/ lost card

    Rs.100

    Processing charge for Cheque (outstation)

    Rs.25 for Cheque value of Rs.5,000. If the Cheque value is above Rs.5,000 then the fee is Rs.50

    Foreign currency transactions

    2%

    HDFC Regalia Credit Card Eligibility Details

    • If the applicant is a salaried professional, he/she should be aged 21 years and above, but not more than 60 years. Income should be more than Rs.1.2lakh per month
    • Self-employed applicants should be aged 21 years and above, but not more than 65 years. Annual income should be more than Rs.12 lakh.
    • The applicant will need to provide documents like income proof, address proof and identity proof when applying for the HDFC Regalia card

    How To Apply For Regalia Credit Card?

    You can choose to apply for the Regalia First credit card offered by HDFC Bank in different ways.

    Apply online: Simply visit HDFC website and follow the instructions mentioned below.

    • Visit www.hdfcbank.com/personal/credit_card/regalia-card page
    • Click on the ‘Apply Online’ button
    • You will be redirected to an online web form, where you need to fill the mandatory 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 can click on ‘Submit’

    Once HDFC receives your application, you will be approached through 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.

    Apply offline: Alternatively, you can walk into any nearest HDFC bank branch and speak with a representative of the bank about the application process. You can also call HDFC credit card customer care number to speak with a phone banker and know more about the same. 

    HDFC Regalia Card FAQs

      1. How do I earn reward points on Regalia Credit Card?

    You can earn reward points by making transactions using your Regalia Credit Card. Every Rs.150 spent using the card will bring 4 reward points. 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.

      1. Do I earn reward points for international flight bookings made using Regalia Credit Card?

    Yes, you earn reward points for all domestic and international airlines bookings.

      1. Can I recharge my mobile on the Regalia online platform?

    Yes, you can access the HDFC Regalia online portal and recharge your prepaid mobile phone.

    1. How can I make payments for the HDFC Regalia card?

    You can make payments for your credit card through multiple payment options like auto pay, funds transfer, Net Banking, mobile banking, etc.

    HDFC Bank Regalia Credit Card Reviews

    • HDFC Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      I have HDFC bank Regalia credit card its very good, I am holding this card past three months. The billing cycle is good they don't have grace period for the due date. Its a life time free credit card without any annual fee and the card limit is fine for me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 14, 2018
    • HDFC Bank Credit Card
      "Not more beneficial"
      0.5 4.5/5 "Excellent!"
      I have been using Regalia Credit Card for last 3 years and previously I had some other credit card which I don't remember now. HDFC services are okay and I can able to reach the customer support. I use this card for multi purpose. I have so much reward points and it was converted to vouchers for Regalia sites only.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 13, 2018
    • HDFC Bank Credit Card
      "No troubles with HDFC Credit card"
      0.5 5.0/5 "Blown Away!"
      I will get a good rewards points from HDFC card. So far i have collected 8,900 rewards points. I have got the credit card in 2008. They have given me a credit limit of Rs. 6 lakhs. I have been getting a many offers like insta loan. Late fee has been waived off since I'm customer for since last 10 years. They charge a annual fee of Rs. 2000 and it will not waived off.
      Was this review helpful? 0
      , dehradun
      Reviewed on Nov 13, 2018
    • HDFC Bank Credit Card
      "Okay card"
      0.5 3.0/5 "Satisfactory"
      I don't see any offers and only I get a reward points that cannot be converted into money. It can be redeemed only as coupon or charity. I have a Regalia Master credit card for almost 6 years from HDFC BANK. I am happy with the credit limit. They don't charge annual fee reason behind is I do all my transactions on the credit card.
      Was this review helpful? 0
      , kochi
      Reviewed on Nov 12, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 3.0/5 "Satisfactory"
      I hold a REGALIA Credit Card for the past one year. The benefits are quite good on this card. It is a life time card. The credit limit of around 2.17L. I am using the card for shopping, food bills and etc. During festival season, I do get discounts on Flipkart, Amazon.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 10, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am using Hdfc Regalia credit card . Am satisfied with the credit limit which they have offered . There is no annual charges for the card as its life time free card , I used to get some offers from this card . Am satisfied with the customer service and response regarding documentation.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 10, 2018
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have REGALIA credit card from HDFC BANK. The reward points are good. It has some waiver off for the petrol charges. They do charge annual fee, If I do transactions for 30K then annual fee will be zero. The net banking is faster to make the payments. I am using for multi purpose, they do give complementary offers which am not availed yet,
      Was this review helpful? 0
      , pune
      Reviewed on Oct 29, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC BANK , i am holding this card for past 2month . I use to get good cash back on store , reward point . They provide me HDFC REGALIA credit card . I was happy with the features, it was also a lifetime free card. The limit is okay for me.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 25, 2018
    • HDFC Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a credit card with HDFC bank from last 1 month, it is a Regalia credit card where i get good offers like reward points and the conversion value is good. There was no annual fee charged for this credit card and the credit limit is fine in this credit card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 24, 2018
    • HDFC Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      Actually i have been looking for lounge access credit card for that purpose i have chosen this Hdfc regalia credit card . But they have given the card where i can avail the offer only after my 6 transaction . I have spoken to their customer service and its hard connect and the response is not what i have been expected .
      Was this review helpful? 0
      , kochi
      Reviewed on Oct 11, 2018
    • HDFC Bank Credit Card
      "GOOD CARD"
      0.5 5.0/5 "Blown Away!"
      My application was taken with HDFC BANK credit card ,There was no annual fee charged for this credit card and i received my credit card within few days. I use this credit card for multipurpose and the customer service was good. Benefits were many with this card like free airport lounges .
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 26, 2018
    • HDFC Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is good in the credit card. It is a life time free card. The customer services and response is good. The credit limit is fine too and the statements are also clear and on time. Overall there are no hassles in the process in using the card.
      Was this review helpful? 1
      , mumbai
      Reviewed on Sep 20, 2018
    • HDFC Bank Credit Card
      "The most pathetic service"
      0.5 0.5/5 "Unacceptable"
      The Customer Care executive does not bother to listen to the problem and conveniently hangs up the phone. Have tried several times before. The Rewards Point portal is a fraudulent setup, can never redeem, always service unavailable. Would like to discontinue
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 19, 2018
    • HDFC Bank Credit Card
      "Best Service"
      0.5 3.0/5 "Satisfactory"
      Hello all, I Got a good customer service from HDFC Tele customers. I've seen quick response from it. I tried outside a lot to get Credit Card from HDFC so finally i got it through Bank Bazar team. A lot of offers i'm using from HDFC Credit Card through AMAZON, PAYTM and many other transactions also. Thank You for your support. With Regards
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 23, 2018
    • HDFC Bank Credit Card
      "Wrong information given by HDFC representative"
      0.5 0.5/5 "Unacceptable"
      I have taken LG LED TV from LG outlet on EMI & total purchase amount was Rs. 45472. HDFC representative (Mr. Amrit) call me on dated 13.08.2018 and offer given to me to pre-close your Rs. 45472 EMI and take Jumbo loan against this amount. You will save @ Rs. 1900 as well as HDFC bank will not charge you any pre-closing fee for this. Also it will not impact on cash back offer of purchased LG TV. Due to this I have given instruction to close Rs. 45472 EMI and deposit Jumbo loan amount in my account (A/C Last Digit 506) in this call. But after study, I found HDFC bank representative given fully wrong information to me. Due to this information, I am in loss @ Rs. 1250 (Jumbo loan processing fee + GST+ interest rate high + pre-close fee). My HDFC credit card query no. is 051- 176-121. Regards, Nitin Mhase
      Was this review helpful? 2
      , pune
      Reviewed on Aug 22, 2018
    • HDFC Bank Credit Card
      "GOOD CARD"
      0.5 4.0/5 "Great!"
      About the Processing and documentation for this card was good, also they have given me the good credit limit with which i am satisfied with it , customer service with this card at the time of collecting documents and after that also its good from the bank end, it was a good experience.
      Was this review helpful? 0
      , faridabad
      Reviewed on Aug 18, 2018
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the HDFC Regalia Credit card for a while. Before 2 years there was the payment flexibility. They should intimate the customers about the due date and billing cycle in time so that the customer can plan on the payments.
      Was this review helpful? 1
      , kolkata
      Reviewed on Aug 16, 2018
    • HDFC Bank Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      HDFC Bank is good overall for the Regalia credit card. The best I prefer about it is the airport lounge access. There are also good rewards I get on the card which can be converted to cash for paying my bills. It is a life time free card as I hold a account with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 13, 2018
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I don't have much idea about the credit card. The customer care service was fine. They have satisfied credit limit. There is no annual fee for this credit card. They are not sending any offer notification in my mail as well as the messages. Rarely they will send some offer. I'm not much used this card.
      Was this review helpful? 0
      , noida
      Reviewed on Aug 01, 2018
    • HDFC Bank Credit Card
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      My experience with HDFC Bank has not been satisfactory. I had applied for a credit card, and I received it only after three months. I also did not get the initial offers which was promised. I returned back the card because of this reason. First the application was cancelled and then declined and and the approved without my knowledge.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 01, 2018
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