Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • HDFC Bank Regalia Credit Card

    The Regalia credit card from HDFC Bank comes with a host of lifestyle and travel rewards. With this credit card, make the most of its joining benefits, complimentary lounge access and more across categories such as travel, dining and shopping.

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    Key Highlights of HDFC Regalia Credit Card

    • Spend Rs.5 lakh or more in an anniversary year and earn 10,000 reward points.
    • You can avail up to 15% discount on the bill every time you dine-out.
    • Earn rewards faster with your Regalia card.
    • Redeem your accrued points for attractive gifts and rewards available exclusively for Regalia cardholders.
    • Enjoy up to 50 days of interest-free period.
    • Enjoy a low foreign currency mark-up fee of 2% when you use your card overseas.

    Benefits and Features of HDFC Bank Regalia Credit Card

    Travel Benefits

    • 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 cards 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 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.
    • Insurance: Cardholders are eligible for air accident death cover of Rs.1 crore, emergency overseas hospitalisation cover of up to Rs.15 lakh, and credit liability cover of up to Rs.9 lakh.
    • Comprehensive air travel cover: Cardholders 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.
    • Airport privileges: 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.

    Fuel Benefits

    • Get flat 25% off at over 2,000 partner restaurants
    • Get a 1+1 on buffet at more than 200 restaurants
    • You get an additional 5% off and Zero convenience fee.
    • You get early access to festivals and events like Gourmetlicious.

    Dining Benefits

    • 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.

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

    Renewal benefits

    • The renewal fee is waived off if you spend over Rs.3 lakh during the previous year.

    HDFC Regalia Credit Card Limit

    The 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 Benefits

    • Earn 4 reward points on every Rs.150 you spend on your card.
    • Get 10,000 Reward Points on spending Rs.5 lakhs in a year.
    • Earn additional 5,000 Reward Points on annual spends of Rs.8 lakhs.

    HDFC Regalia Reward Point Redemption

    Reward 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 ( 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 the HDFC Bank Regalia Credit Card

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

    Type of fees or charges Amount (Rs.)
    Joining fee Rs.2,500
    Renewal fee Rs.2,500
    Minimum repayment amount 5% or a maximum of Rs.200
    Cash withdrawal fee 2.5% of the withdrawn amount (Minimum Rs.500)
    Cash advance limit 40% of the credit limit
    Rewards redemption fee NIL
    Add-on cards charges NIL
    Foreign currency mark-up fee 2%
    Late payment charges
    • Less than Rs.100 - Nil
    • 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 and 25,000 - Rs.800
    • Rs.25,000 to Rs.50,000 - Rs.1,100
    • Over Rs.50,000 - Rs.1,300
    Over limit charges 2.5% of the over the limit amount (Min. of Rs.550)
    Cash processing fee Rs.100 per transaction
    Payment return charges 2% of the payment amount (Minimum of Rs.450)
    Card re-issuance charges Rs.100 per instance
    Duplicate statement Rs.10

    HDFC Regalia Credit Card Eligibility Criteria

    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 lakh 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.

    Documents Required to Apply for HDFC Bank Regalia Credit Card

    1. Proof of Identity
    2. Address Proof
    3. Income Proof
      • Salary Slip
      • IT Returns
      • Form 16

    How to Apply for HDFC Bank Regalia Credit Card Online

    Apply for an HDFC Regalia credit card online by following the steps below:

    • Visit the HDFC Bank website and choose the 'Regalia' card.
    • Click on the 'Apply Online' button.
    • You will be redirected to an online form. Fill in the required details such as name, mobile number, e-mail ID, company name, monthly income, etc.
    • 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 for the card, the application process will be informed to you over the call and the further procedure will follow.

    FAQs on HDFC Regalia Credit Card

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. I misplaced my Regalia credit card. What do I do?

      If you have misplaced/lost your card, simply call the HDFC 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.

    6. What is the credit limit of HDFC Bank Regalia credit card?

      The bank decides the card limit based on your credit score and credit history, among other things.

    7. When will my HDFC Bank Regalia credit points expire?

      Your HFC Bank Regalia credit points will expire after 2 years of accumulation.

    8. How many reward points will I earn if I spend Rs.300 with my HDFC Bank Regalia credit card?

      You will earn 8 reward points if you spend Rs.300 with your HDFC Bank Regalia credit card.


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