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 Bank Regalia Credit Card
1st Year Fee
Reduced to0If new current/savings account opened 2500
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
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
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
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
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
How do I earn reward points on Regalia Credit Card?
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.
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.
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.
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.
I misplaced my Regalia credit card. What do I do?
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.
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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.
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.
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.
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.
I am using the regalia credit card from HDFC as of now i have not received any benefits and i am doing a limited usage on my credit card. I am keep on receiving a messages and mails regarding the offers. They have given me a credit limit of Rs. 1.11 lakhs. From last 4 years, i am holding the card.
Past 4 years I have been holding HDFC card, earlier I had rewards titanium credit card very recently I upgraded to Regalia card it has yearly fee. They are providing airport lounge facility with travel discounts at make my trip and goibgo. The customer care executives are very helpful but rate of interest is higher for the late fee.
In HDFC, i am having a credit card which is Regalia and this is my first credit card. I am getting a priority pass on airport and i won't use this card much. There is no annual fee charged on this card and they are not sending any offer related messages for this card.
I am having a Regalia Credit card with HDFC BANK which am happy because of the reward points and even the redemption process is very convenient when compared to other banks. There is no annual fee. The credit limit is sufficient for me. The charges are on higher side for EMI conversion.
I am using HDFC REGALIA credit card since 2months. The credit limit is good but have been expecting more than 2L as per their words atlast they have given me 1L. They have no charges for annually and have submitted the required documents. The charges are reasonable.
I have taken HDFC Bank credit card directly through Online.I am using this credit card for the past 2years and the credit liit was pretty good and it was upto 1,20,000 it was sufficient.This was a free card and cash back offers and reward points are really good .This was a HDFC Regalia credit card .
I hold a Regalia First credit card with HDFC BANK and am using it from 2011. The annual fee is not applicable to me. The credit limit is 1L and am satisfied. I am just using the card for multi purpose and not checked the benefits. The payment mode is convenient for me.
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Reviewed on Aug 30, 2019
I am using HDFC bank regalia credit card for more than 1 yrs. it is a life time credit card. Bank offers for a credit card with good limit which was given at earlier but now it was reduced , EMI option is applicable for this card. I use to do payment on time but if I done late payment charges are applicable and need to pay for charges as well.
I have taken a regalia credit card with HDFC bank on 12 years before which was processed directly to bank. It is a life time free credit card. They have enhanced the limit and is much sufficient to use it. I use this card for many purposes and getting more benefits for this card.
I am holding an HDFC Regalia credit card. I got the card on time and my credit limit is Rs. 2 lakh, I am ok with the credit limit. I received the card on time. There mobile application is very simple and easy. There is an option to chat. Their customer service is very good.
I have taken HDFC bank regalia credit card for more than 10 years.It is a life time free credit card and the credit limit is up to 2 lakhs. So far I have not face any issue by using it. This card applicable for dining and airport lounges. I use for shopping, fuel, restaurants purposes based on the usage I get reward points and discounts up to 5%. EMI option is applicable charges are up to 18-22% which is high.
I use a HDFC REGALIA credit card for less than a year. I am happy with the credit limit. As of now, there is no annual fee for the first year and need to figure out the charges when renewing my card. I am keep getting reward points and cash back offers as well. Even the redemption process is easy.
I have been using HDFC rengalia past 1 month. Annual chagers for 1st and 2 nd is rs 1000. While spending there is a huge waiver options available and sufficient limit is provide. While submittng the documents through executive there is no delay . All notifications were communiated through message, mobile application is user friendly.
HDFC is providing proper limit to the customers. I get a proper customer care response and its easy to connect with them. I have a HDFC Regalia card an i get lots offers. Earlier i was using the money back credit card and they have upgraded to Regalia Card. I get a rewards points and petrol card.
Every time i get discount on HDFC card. Every time we open the newspaper we get offer for HDFC credit card on railway ticket, flight ticket, electronic appliances, mobile, shopping purchase. I get a Zero EMI options. They given me a limit on Rs. 1.6 lakhs. I have a regalia card.
I am keeping on my HDFC Regalia credit card and i am using this card for mainly on my international transaction. They are charging me 2% on market fee in any web online transaction. I get a free airport launch access which i use for once in a year and I'm happy about it. I get no cost EMI option.