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 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.
    • 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.

    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.

    Fuel Benefits

    • 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.

    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.

    Other HDFC Bank Credit Cards

    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.)
    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)
    Overlimit account charges 2.5% of the amount or a minimum of Rs.500
    Additional card fee Nil
    Revolving credit charges 3.49% per month
    Payment return charges 2% of the payment amount subject to a minimum amount of Rs.450
    Cash advance charges 2.5% of the amount or a minimum of Rs.500
    Cash processing fee Rs.100
    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
    Rewards redemption fee Rs.99 per redemption request
    Re-issue of damaged/lost/stolen card Rs.100
    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
    Foreign currency transaction fee 2% of the transaction amount
    Outstation cheque processing charge Cheque value of less than Rs.5,000- Rs.25
    Cheque values above Rs.5,000- Rs.50

    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.

    Documents required to Apply for HDFC Regalia Credit Card are:

    • Proof of Identity
    • Address Proof
      • Passport
      • Ration Card
      • Voter ID
      • Aadhaar card
    • 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.


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