The HDFC Bank Regalia Credit Card offers a wide range of lifestyle and travel benefits. Cardholders can enjoy joining rewards, complimentary airport lounge access, and perks across travel, dining, and shopping categories. Additionally, the card provides accelerated reward points on spending, travel insurance coverage, and exclusive dining and shopping offers, making it a great choice for frequent travelers and lifestyle enthusiasts.
Earn 4 reward points for every Rs. 150 spent on your card.
Get 10,000 reward points on annual spending of Rs. 5 lakh.
Earn an additional 5,000 reward points if your annual spends reach Rs. 8 lakh.
Reward Redemption:
Reward points expire within 2 years of accumulation.
Redeem points via the dedicated HDFC Regalia portal by selecting your preferred voucher or reward.
Alternatively, use the 'SmartBuy' section on the HDFC Bank website or NetBanking to redeem points.
Confirm your selection to complete the redemption process.
Other Features and Benefits
Travel Benefits:
Airport Lounge Access: Enjoy access to over 1,000 lounges worldwide with a complimentary Priority Pass membership. Primary and add-on members get 6 complimentary international lounge visits per year.
Domestic Lounge Access: 12 complimentary visits to domestic airport lounges per calendar year through the Regalia Visa Credit Card Lounge program.
Travel Concierge Services: Personalized assistance to customize your travel experience.
Insurance Coverage: Air accident death cover of Rs. 1 crore, emergency overseas hospitalization up to Rs. 15 lakh, and credit liability cover up to Rs. 9 lakh.
Airport Privileges: Priority check-in, waitlist clearance, extra baggage allowance, and earn 9 Club Vistara points per Rs. 100 spent on the card.
Dining Benefits:
Flat 25% off at over 2,000 partner restaurants.
1+1 buffet offer at more than 200 restaurants.
Additional 5% discount and zero convenience fee.
Early access to events and festivals like Gourmetlicious.
Complimentary Zomato Gold Membership for 1 year (only for primary cardholders of Regalia cards issued after 20 March 2019), including up to 2 free drinks at participating restaurants.
Renewal Benefits:
Annual fee waived if you spend over Rs. 3 lakh in the previous year.
Lounge Access Program (Effective 1 Dec 2023):
Eligibility based on quarterly spends of Rs. 1 Lakh or more (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec).
After meeting the criteria, visit the Regalia SmartBuy portal → Lounge Benefits to generate your voucher.
Vouchers are sent via SMS/email in PDF format with a QR code for access.
Steps to Redeem Voucher:
Log in to SmartBuy Regalia portal.
Go to Regalia Benefits → Airport Benefit.
Track quarterly spending under Milestone Tab.
Generate your voucher after reaching the milestone.
Priority Pass for International Lounges: Not spend-based. Apply after 4 retail transactions on your Regalia card. Primary and add-on members get 6 complimentary visits per year. Additional visits charged at US $27 + GST per visit.
Fees and Charges
Type of fees or charges
Amount (Rs.)
Joining fee
Rs.2,500
Renewal fee
Rs.2,500
Minimum repayment amount
5% or a maximum of Rs.200
Cash withdrawal fee
2.5% of the withdrawn amount (Minimum Rs.500)
Cash advance limit
40% of the credit limit
Rewards redemption fee
NIL
Add-on cards charges
NIL
Foreign currency mark-up fee
2%
Late payment charges
Less than equal to Rs.100 - Nil
Rs.101 to Rs.500 - Rs.100
Rs.501 to Rs.1,000 - Rs.500
Rs.1,001 to Rs.5,000 - Rs.600
Rs.5,001 to Rs.10,000 - Rs.750
Rs.10,001 to Rs.25,000 - Rs.900
Rs.25,001 to Rs.50,000 - Rs.1100
More than Rs.50,000 Rs.1300
Over limit charges
2.5% of the over the limit amount (Min. of Rs.550)
Everything you need to know about this credit card
Reward points can be redeemed through the HDFC NetBanking portal or Regalia Rewards portal for flight bookings, hotels, shopping vouchers, and products from the rewards catalogue.
Yes, you can apply for lifetime-free add-on credit cards for your family members, which share the same reward and benefit structure.
Yes, you get complimentary domestic and international airport lounge access every year through Priority Pass membership and Regalia benefits.
Yes, the card comes with an annual fee and renewal fee. However, the fee may be waived if you meet the minimum spending criteria set by the bank.
Yes, you can easily convert eligible high-value transactions into EMIs using NetBanking, Mobile Banking, or by contacting customer support.
The Regalia card offers complimentary lounge access, Priority Pass membership, exclusive dining privileges, travel concierge services, and travel insurance.
The card offers air accident cover, medical emergency cover, lost baggage cover, and credit liability cover, subject to terms and conditions.
Yes, you get a 1% fuel surcharge waiver on fuel transactions between Rs.400 and Rs.5,000 across all fuel stations in India.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
Housing Development Finance Corporation
Airport Lounge Access
Dining
Fuel
