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  • HDFC Bank Regalia Credit Card

    HDFC Regalia Credit Card comes with exclusive travel & lifestyle privileges tailored for the elite class. Enjoy great savings through milestone rewards, complimentary memberships, exclusive dining discounts & lot more. Apply now to grab the offers.

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    HDFC Bank Regalia Credit Card is Rated as "Excellent!" by 326 Users

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    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
      "Quick Service Provider"
      0.5 5.0/5 "Blown Away!"
      Based on the saving account I have taken Regalia credit card from HDFC. I am using this card more than three years. They gave me insta loan, jumbo loan, emi option, balance transfer on the card. The payment gateway is good in HDFC, I generally make the payment through NEFT, the payment reflects immediately on their system.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 4.0/5 "Great!"
      I am using a HDFC Regalia credit card and it was taken recently. I use it for multi purpose and the credit limit was sufficient. I never contacted the customer service. It is a life time free credit card. I can convert the payment into EMI and the payment gateway is easy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 18, 2019
    • HDFC Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had chosen this card since there has been more offers with this card and the process in getting this card has been smooth and simple. They had given me with a good credit limit and i love if it get enhanced, and they had explained me with the benefits and the features with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 11, 2019
    • HDFC Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      The process in getting this card has been okay but there has been some small delay in getting the card where i had to make some follow ups. The credit limit with this card has been sufficient and they had explained me with the benefits and the features with this card.
      Was this review helpful? 1
      , greater noida
      Reviewed on Jan 10, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      They provided me a airport launch facility in HDFC Regalia Credit card. 1 month before, i have taken this card. They have given me a convenient credit limit. There has no yearly charges. I have not called the customer care. The documentation process was simple. This card is accepted in all the places.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 09, 2019
    • HDFC Bank Credit Card
      "Nice Card"
      0.5 4.0/5 "Great!"
      I have a credit card with HDFC. I have been holding the Regalia card for 10 years. I got the credit limit of Rs. 2.50 lakhs. The offers with e-commerce website are really nice. They are giving higher rewards points. They have a flight tickets offer also but i haven't availed the same.
      Was this review helpful? 0
      , srikakulam
      Reviewed on Jan 09, 2019
    • HDFC Bank Credit Card
      "Good card for purchases"
      0.5 5.0/5 "Blown Away!"
      Since I'm a existing customer of HDFC, hence i have chosen the card from them. There are multiple offers one was there is a domestic airport launch offer 12 times and there is yearly fee will be waived off if i opt to pay the utility bill via HDFC hence i have connected my airtel phone bills with this card. I'm absolutely fine with the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 08, 2019
    • HDFC Bank Credit Card
      "Value added card"
      0.5 5.0/5 "Blown Away!"
      Almost 15 years, i have been using this HDFC credit card. I have no issues with the credit limit. There is no annual fee. I can get a good redemption points and good miles points. I get a airport launch facility. I'm happy with the card. I hold a Reglia Card.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 04, 2019
    • HDFC Bank Credit Card
      "They should be very clear before issuing the card"
      0.5 3.0/5 "Satisfactory"
      The customer service and response was good. The rate of interest and charges are reasonable. They said when I take the card they will waive off the annual fee since my company is listed in MNC. But later it was not happened and said to spend for 1L then annual fee will be waived off. I took a Regalia card and offers are pretty nice.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 03, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I have taken Regalia credit card from HDFC Bank through online channel. The rate of interest and charges are normal. There is no specific reason for choosing the card. The service is good and credit limit was okay. I think its a lifetime free card. They deliver the card within 2 days. The documentation process was easy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 03, 2019
    • HDFC Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC credit card from past ten years, this is my oldest credit card, there customer care is very proactive, they use to resolve my query instantly, without any delay, and i am happy with my credit limit they have given me in this card, and they provide good offer in maximum products.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 24, 2018
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been an excellent experience i had with the services of them, where they even enhanced the credit limit several times as well. It has been a very handy card and they will be monitoring our transactions and will be guiding us. There has not been any hassle faced with their services so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 20, 2018
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      There is a zero annual fee. Last 15 years, I'm using the HDFC bank regalia credit card and they have offered me a credit limit of Rs. 3.70 lakhs. They are providing so much of offers on HDFC credit card since its regalia premium. They have offer on flight ticket and movie ticket booking.
      Was this review helpful? 1
      , pune
      Reviewed on Dec 19, 2018
    • HDFC Bank Credit Card
      "Classy and rich card"
      0.5 4.0/5 "Great!"
      Started using the HDFC credit card for quite a long time. I have received the credit limit of Rs. 1.45 lakhs. There is no annual fee. I get a kind of free points on every Rs. 100 i spent. They have their own regalia customer. I can accumulated my rewards points and i book my flight tickets on their selected own portal. I do get 10% off on Amazon and flipkart on festival sales. Its like an Elite card and the best card of HDFC.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 18, 2018
    • HDFC Bank Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      Reason is lacking in few thing to redeem the reward points into the cash they expecting the paper documents to drop in the atm box and then they taken 2 weeks to process, the world is moving paper less they should develop as customer convenient, 3 to 4% taking for late payment or minimum amt . Whatever I purchase by my credit card, that I might pay the money+ gst, even that I am already paying mrp rate its not upto the mark.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • HDFC Bank Credit Card
      "Flexible card"
      0.5 5.0/5 "Blown Away!"
      They have lower rates for using the card in international places this is the main reason for using this card. The interest rate was 2% if i use in abroad. They are giving more promotional offer and got the card in a fast delivery mode. I have bought the HDFC Regalia card and its giving much rewards points and airport launch access.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 05, 2018
    • HDFC Bank Credit Card
      "Very much happy"
      0.5 5.0/5 "Blown Away!"
      I have a Regalia credit card with HDFC. There is no much benefits and its a good card. They have offered me a maximum credit limit and which am happy with HDFC. I have taken the card before 3 years. This is my first credit card. There is no annual fee.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 01, 2018
    • HDFC Bank Credit Card
      "Better card"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is fine, I was told that it is a life time free credit card. I got a Regalia credit card and it has lot of discounts on the e-commerce sites like flipkart and etc. This is my first credit card. The credit ,limit was more than enough. I a m using it for around 2 months.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 01, 2018
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      It is a great card and am using the card for almost one month. I have taken a Regalia credit card through online channel. The customer service and response was good. Am happy with the credit limit. They do charge annual fee of 1000 rupees. I got the card after 10 days.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 01, 2018
    • HDFC Bank Credit Card
      "Okay"
      0.5 3.0/5 "Satisfactory"
      I have taken HDFC REGALIA CREDIT CARD through online channel. I face lot of difficulties in making the payments. There is no proper communication and helpline number was not useful. The credit limit is satisfactory and they are charging annual fee of 500 rupees. I have been using the card for one month.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 30, 2018
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