Housing Development Finance Corporation

HDFC Regalia Credit Card

Airport Lounge Access

Reward Points

Shopping

MyBankingTips Rating

Joining Fee: ₹2500* Plus Applicable Taxes

Renewal Fee: ₹2500*Plus Applicable Taxes

Airport Lounge Access

Reward Points

Shopping

MyBankingTips Rating

Joining Fee: ₹2500* + Tax

Renewal Fee: ₹2500* + Tax

Airport Lounge Access

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About HDFC Regalia Credit Card

The HDFC Regalia Credit Card is a well-rounded premium lifestyle credit card offering high reward points, complimentary airport lounge access, travel benefits, and global acceptance. Positioned between mid-premium and premium tiers, Regalia is best suited for professionals and frequent travelers seeking value-packed features without a luxury price tag.

HDFC Regalia Credit Card Rewards Program

Spend Type	Reward Points Earned
All retail spends	4 RP per ₹150
Insurance, utility, education	1 RP per ₹150
1 RP = ₹0.20 for redemption (₹0.50 on flights/hotels via SmartBuy)

Monthly cap: 2,000 RP on insurance & utility spends
Redeem RP for travel, vouchers, gifts, and merchandise

Other Features and Benefits

Priority Pass Membership with international lounge access (first-year complimentary)
Travel Insurance Coverage:
- Air accident: ₹1 crore
- Medical emergency (overseas): Up to ₹15 lakh
- Baggage delay/loss, flight delay cover
24x7 concierge and emergency card replacement
EMI options for purchases above ₹2,500

Fees and Charges

Statement Balance	Charges
₹100 to ₹500	₹100
₹501 to ₹5,000	₹500
₹5,001 to ₹10,000	₹600
₹10,001 to ₹25,000	₹800
₹25,001 to ₹50,000	₹1,100
Above ₹50,000	₹1,300

Things to Know Before you apply

Get this card if:

This card is ideal for:

Salaried professionals and entrepreneurs spending ₹3–6L/year
Frequent domestic and occasional international travelers
Users looking for strong travel insurance and lounge access

People who wantpremium benefits without ultra-premium fees

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For HDFC Regalia Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

HDFC Regalia Credit Card Hilights

What do we like about this card?

4 Reward Points per ₹150 spent on retail transactions
6 complimentary airport lounge accesses (domestic & international via Priority Pass)
Comprehensive travel insurance coverage
Spend-based milestone benefits
Low forex markup of 2% on international spends
Renewal fee waived on ₹3 lakh annual spend

Pros

Strong reward program with 4 RP per ₹150
Lounge access for both domestic and international travelers
Travel insurance and concierge services included
Low forex markup for international usage
Annual fee easily waived with moderate spend

Cons

Lounge access limited to 6 visits/year
Reward point redemption rate is lower outside SmartBuy
No golf or luxury concierge unlike ultra-premium cards
Priority Pass access for international lounges is chargeable from the 4th visit onward

HDFC Bank Credit Card Contact Details

HDFC Card offers multiple ways to get assistance for your credit card queries and services.

Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
Helpline: You can contact us at 1800 1600 / 1800 2600.
Simply SMS: - SMS “CCHELP” to 5676712