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  • HDFC Bank Regalia Credit Card

    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
      "Best Service"
      0.5 4.0/5 "Great!"
      I am using HDFC Bank credit card ,I have faced one difficulty i am not getting conformational about the credit card process,the credit limit was god ,it is a chargeable card it is a regalia ,good cash back offers and reward points .The agent gave all information about the credit card process ,I have received the credit card on time without any delay .Customer service is good to me so far .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Better"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Regalia credit card for last six months and I got a better limit. I have been informed it is a life time free credit card. The customer service is always good and the response was proper. I am making the payments through NEFT and its convenient. The cash back offers are good.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jun 10, 2019
    • HDFC Bank Credit Card
      "One of the good card in HDFC"
      0.5 5.0/5 "Blown Away!"
      From HDFC, they have upgraded my credit card to Regalia card. The rewards rate is good like overall rewards rate is 1.3% and i get free airport launch access is there. I can avail 3 free launch access in every quarter. I have satisfied with the credit limit and they have good cashback care as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 07, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am having HDFC Bank Regalia credit card which was directly offered by bank.The credit limit was good and it was upto 3lakhs ,This card is a life time free card,there are good cash back offers and good reward points as well .If contact customer service for any assistance will get quick response.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 03, 2019
    • HDFC Bank Credit Card
      "Very Good card"
      0.5 4.5/5 "Excellent!"
      The card is extremely good and whatever the offers are there they providing to the customer in 48 hours. I do get a airport launch facility but i don't use it so far. Sometimes i get a book ticket offers. In terms of the response to the customer, they used to improve the call centre people. To get them, it takes a lot of time whenever i used to call.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 30, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have HDFC Bank creidt card through Online .I am facing one difficulty regarding the monthly bill statement not received ,I have got all the details about the card process ,The credit limit was good ,I have received the credit card on time,This is a Regalia First .This is a chargeable card .
      Was this review helpful? 0
      , noida
      Reviewed on May 29, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have HDFC Bank credit card which was directly applied with bank ,having good credit limit ,The agent gave all the information about the card .I have received the credit card without any delay .This card is having cash back offers and reward points ,There are book my show offers for movie ticket on every quarterly and yearly basis , regalia life time this is a free card .
      Was this review helpful? 0
      , chennai
      Reviewed on May 28, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank credit card which was directly applied with bank ,This is a Regalia credit card , it is a life time free card ,I am using this credit card for the past 3years ,so far not faced any difficulties while submitting documents ,There are cashback offers reward points on this card.I am comfortable on using this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2019
    • HDFC Bank Credit Card
      "Nice shopping card"
      0.5 4.0/5 "Great!"
      I am holding HDFC Regalia card, it cover overall credit card aspects. I have been associated with HDFC bank for long term hence I like the service. The reward point program is good expect the fuel filling. They give 4 points for Rs. 150 spend and the cash back offers are good they tie up with most of the online channel and for smart buy option they give 10x reward points.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 25, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank Regalia credit card .I am using it for the past 6 years.The credit limit was good ,There are good cash back offers and reward points .This card is very good to use this card .Customer service is also very good to me so far.I am comfortable on using this credit card .
      Was this review helpful? 0
      , bangalore
      Reviewed on May 20, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      I have HDFC Bank credit card which was directly applied with bank ,This is a regalia card ,The credit limit was good on this card .The credit limit was upto 5.2 lakhs ,There are good cashback offers and reward points .Iam using it for the past 5years ao far not faced any issues ,This card is good to use,customer service is also good .
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2019
    • HDFC Bank Credit Card
      "Need to improve the customer care"
      0.5 1.0/5 "Really Bad"
      I have problem with a HDFC credit card hence im not using this card. I have a account with them hence they have offered the Regalia card first and i've interested on that but they have sent me a solitaire card which has a annual fee and their is no annual fee waiver option as well. I complained the customer care regarding this, they have asked me to pay the annual fee for solitaire card till that they won't upgrade the card. Its too difficult to contact the Relationship Manager. The customer care service is not all good. They never do a follow up their customer.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 17, 2019
    • HDFC Bank Credit Card
      "Need to improve the customer care"
      0.5 1.0/5 "Really Bad"
      I have problem with a HDFC credit card hence im not using this card. I have a account with them hence they have offered the Regalia card first and i've interested on that but they have sent me a solitaire card which has a annual fee and their is no annual fee waiver option as well. I complained the customer care regarding this, they have asked me to pay the annual fee for solitaire card till that they won't upgrade the card. Its too difficult to contact the Relationship Manager. The customer care service is not all good. They never do a follow up their customer.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 17, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.5/5 "Excellent!"
      I have HDFC Bank credit card which was directly applied with the bank, I have regalia credit card ,The credit limit was very good ,have international airport lounge access ,There was good reward points ,cash back offers as well .This card is good to use .I am comfrotable on using this credit card .
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank Regalia Credit card which i have directly applied with Bank .The credit limit was good and it was good to use .There was no issues faced so far.There are good cash back offers and reward points as well .The agent gave a clear picture about the credit card .I am satisfied with the service so far.
      Was this review helpful? 0
      , chennai
      Reviewed on May 14, 2019
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank Credit card which i have directly applied with Bank.I am using this credit card for the past 13years ,I am having Regalia card ,there are good cash back offers and reward points also ,The credit limit was good ,so far not faced any issues and this credit card is a user friendly one .I am satisfied with the service so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 14, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC Bank Regalia card and got the same card which i have directly applied with Bank .The credit limit was very good and it was 10lakh .This is a free card .There are good cash back offers and reward points as well.The agen gave all the required detsils about the card .Iam satisified with the service so far .
      Was this review helpful? 0
      , chennai
      Reviewed on May 13, 2019
    • HDFC Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have HDFC Bank Regalia Credit card .This is a life time free card ,using for the past 9years ,The credit limit was good and it was upto 2.5lakhs i am satisified with the limit .I am using this credit card more .There was no issues faced so far .I have received the credit card on time without delay .
      Was this review helpful? 0
      , bangalore
      Reviewed on May 13, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using the HDFC REGALIA CREDIT CARD for the last four years and the services with them had been pretty much good. There is a good credit limit with this card and there has also been some added benefits with this card. It has some annual charges with this card and i use the card for all the purposes like online shopping as well.
      Was this review helpful? 0
      , pune
      Reviewed on May 11, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the HDFC BANK REGALIA Credit card for the last four years and the services of them had been the best. There is a credit limit of nearly 2 Lakhs with this card and i used to get frequent offers on e-commerce websites and discounts as well. There is no annual charges with this card and the features with the card has been at its best.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 08, 2019
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