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  • HDFC Bank Regalia Credit Card

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  • 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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  • We found 1 HDFC Bank Regalia Credit Card
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    1st Year Fee
    Rewards
    Joining Perks
    Reduced to 0 If new current/savings account opened 2500
    100% PAPERLESS APPROVAL
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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
      "Wonderful Card"
      0.5 4.5/5 "Excellent!"
      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.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 05, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Most convenient card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 27, 2019
    • HDFC Bank Credit Card
      "Favourite card"
      0.5 4.5/5 "Excellent!"
      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.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 16, 2019
    • HDFC Bank Credit Card
      "Fine Card"
      0.5 4.5/5 "Excellent!"
      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.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 16, 2019
    • HDFC Bank Credit Card
      "Good card for use"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 14, 2019
    • HDFC Bank Credit Card
      "Good for travelers"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 1
      , pune
      Reviewed on Sep 13, 2019
    • HDFC Bank Credit Card
      "Okay Card"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Sep 12, 2019
    • HDFC Bank Credit Card
      "Great card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 2
      , mumbai
      Reviewed on Sep 06, 2019
    • HDFC Bank Credit Card
      "Looking for more limit"
      0.5 3.0/5 "Satisfactory"
      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.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 01, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      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 .
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 31, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 30, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 30, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2019
    • HDFC Bank Credit Card
      "Need to decrease charges"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 2
      , bhopal
      Reviewed on Aug 10, 2019
    • HDFC Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 07, 2019
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 0
      , jodhpur
      Reviewed on Aug 07, 2019
    • HDFC Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 02, 2019
    • HDFC Bank Credit Card
      "Recommendable card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 25, 2019
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 22, 2019
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