HDFC Regalia Credit Card

The HDFC Regalia Credit Card is perfect for big spenders who love rewards. It gives you a good rate of rewards and a bonus of up to 15,000 points through its milestone program. If you travel a lot, this card offers perks like 8 domestic and 6 international airport lounge visits every year. Plus, it's travel-friendly with a low forex mark-up fee. To apply for this card, you just need a monthly income of Rs. 1 Lakh or more. Here's what you should know about the HDFC Regalia Credit Card.

The HDFC Regalia Credit Card is great for people who spend a lot and travel frequently. You earn rewards at a rate of 2.66%, and when you use the points for air miles or book flights and hotels through SmartBuy, it's a good deal with a 2:1 redemption ratio. This card is especially valuable for those who spend a lot and travel often because you can save money on your trips by redeeming the reward points. You also get access to airport lounges and benefit from a low forex markup fee. The domestic lounge access is available when you spend Rs. 1 Lakh in a quarter, but there's no such requirement for international lounge access. If you travel a lot and don't want to be tied to a specific brand, this card is a good choice. However, if you're loyal to a particular airline, hotel, or travel portal, you might get better perks with a co-branded card.

Key Highlights of HDFC Regalia Credit Card

HDFC Regalia Credit Card
Best Suited For Shopping & Travel
Joining Fee Rs. 2,500
Renewal Fee Rs. 2,500 (waived off on spending Rs. 3 lakh in a year)
Minimum Income Requirement
  • Salaried: Rs. 1 lakh p.m.
  • Self-employed: ITR>Rs. 12 lakh p.a.
Reward Benefit Earn 4 reward points on every Rs. 150 Spent
Best Feature Complimentary domestic and international airport lounge access

With the HDFC Regalia Credit Card, you can save money when you shop, travel, and more. It gives you some nice benifits like not having to pay extra for fuel, insurance coverage, and a concierge service to help you. Here are some of the main benefits you get with this card:

Reward Benefit

Using the HDFC Credit Card, you earn 4 reward points for every Rs. 150 you spend on things like insurance, utilities, rent, and education. You can then use these reward points for redemption on Smartbuy or Netbanking, and here's what they're worth:

Flights and hotel bookings via Smartbuy 1 reward point = Rs. 0.5
Air Miles conversion through Netbanking 1 reward point = 0.5 air mile
Against products and vouchers via Netbanking or Smartbuy 1 reward point = Up to Rs. 0.35
Against cashback 1 reward point = Rs. 0.20

Up to 15,000 Reward Points as Milestone Benefit

With the HDFC Regalia Credit Card, you have the chance to earn up to 15,000 bonus reward points when you reach a certain spending milestone. Here are the specifics:

  • You can earn 10,000 bonus reward points by spending Rs. 5 lakh in a single anniversary year.
  • Additional, you can earn an extra 5,000 reward points by spending Rs. 8 lakh in the same anniversary year.

Also read: Best Rewards Credit Cards in India

Complimentary Lounge Access

With this credit card, you can access both international and domestic airport lounges as follows:

  • You get 12 complimentary visits to airport lounges per calendar year within India, and these visits can be used at both domestic and international terminals, with 6 visits allowed for each.
  • Additionally, you receive a complimentary Priority Pass membership, which grants you 6 free lounge visits in a calendar year, but these can only be used outside of India.
  • Furthermore, you have the option to include one add-on member who can also enjoy the benefits of the Priority Pass membership.

*Cardholders who have completed a minimum of 4 retail transactions can apply for Priority Pass membership.

Note: After exceeding 6 complimentary visits, customers will be charged US $27 + GST per visit. Also, such transactions will not accrue reward points.

Also read: Best Credit Cards with Airport Lounge Access

Other Benefits

Apart from the rewards and travel benefits, this credit card also offers a fuel surcharge waiver, insurance cover, a low foreign currency markup fee, and more.

  • Fuel Savings: Get a 1% discount on fuel charges at all gas stations in India when your transaction amount falls between Rs. 400 and Rs. 5,000.
  • Currency Exchange Perk: Benefit from a low 2% foreign currency fee when using your card for international transactions.
  • Insurance Coverage: Enjoy extensive insurance coverage, including:
    • Rs. 1 crore air accident death cover
    • Rs. 15 lakh emergency overseas hospitalization cover
    • Rs. 9 lakh credit liability cover
  • Convenience Services: Access 24x7 concierge services to enhance your travel convenience.

Besides the above-mentioned benefits, HDFC Bank Regalia Credit Card comes along with zero lost card liability and allows contactless payments and a renewal fee waiver (on spending Rs. 3 Lakh in a year). Additionally, you can opt for the Smart EMI option to convert your big spends into EMI.

The fees and charges associated with HDFC Regalia Credit Card are mentioned in the table below:

Particulars Details
Joining Fee Rs. 2,500
Annual Fee Rs. 2,500 (waived off on spending Rs. 3 lakh in a year)
Finance Charges 3.6% p.m. (43.2% p.a.)
Over limit charges 2.5% of the over the limit amount (Min. of Rs.550)
Cash processing fee Rs.100 per transaction
Payment return charges 2% of the payment amount (Minimum of Rs.450)
Late Payment Charges For Statement Balance
  • Less than Rs. 100 – Nil
  • 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
  • Rs. 25,001 to Rs. 50,000 – Rs. 1,100
  • More than Rs. 50,000 – Rs. 1,300
Card re-issuance charges Rs.100 per instance
Duplicate statement Rs.10
Rewards redemption fee Nil
Add-on cards charges Nil
Foreign currency mark-up fee 2%
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

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The eligibility and documentation required for HDFC Regalia Credit Card are as follows:

Criteria Details
Occupation Salaried or Self-employed
Minimum Income for Salaried Applicants Rs. 1 lakh p.m.
Minimum Income for Self-employed Applicants ITR > Rs. 12 lakh p.a.
Serviceable Cities Click here for the list of serviceable cities
Documents Required Click here for the list of documents required

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The HDFC Regalia Credit Card is a popular premium card that's great for saving money on travel and shopping. It's especially good if you use your credit card a lot because you can earn valuable reward points. If you're someone who travels often, you'll love the free access to airport lounges and the low fee for international purchases.

However, it's important to know that for a similar annual fee, HDFC also offers the HDFC Bank Diners Club Privilege Credit Card, which comes with even more perks like free memberships, dining benefits, and golf access, among other lifestyle benefits. So, before you choose, make sure to see which card aligns better with your spending habits.

If you want to explore more cards that offer benefits similar to HDFC Regalia, here are a few cards to consider:

Credit Card Annual Fee Key Feature
Axis Bank Atlas Credit Card Rs. 5,000 10 points on every Rs. 200 spent via this credit card
IndusInd Bank Legend Credit Card Nil 2 reward points for every Rs. 100 spent on weekends
ICICI Bank Sapphiro Credit Card Rs. 3,500 Up to 4 PAYBACK points on every Rs. 100 spent
SBI Card ELITE Rs. 4,999 5X reward points on dining, departmental stores and grocery spends
Axis Bank Select Credit Card Rs. 3,000 10 Axis EDGE reward points on every Rs. 200 spent

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1. How can I apply for HDFC Regalia Credit Card?

You have two options for applying for the HDFC Regalia Credit Card. You can do it online by visiting the bank's official website. If you prefer going in person, you can visit your nearest HDFC Bank branch and fill out an application form there. Additionally, you can also compare and apply for different credit cards at Mybankingtips to help you make a smarter choice.

2. Who can apply for HDFC Regalia Credit Card?

Any Indian citizen who is at least 21 years old, whether they have a job or are self-employed, can apply for this credit card. However, they need to meet the income requirements and other specific conditions set by the card. For salaried individuals, the maximum age to apply is 60 years, and for self-employed individuals, it's 65 years.

3. Does HDFC Regalia Credit Card charge a cash advance fee?

Yes, if you withdraw cash using your HDFC Regalia Credit Card, the bank will charge you a fee of 2.5% of the amount you withdraw or a minimum of Rs. 500, whichever is greater. Because of this fee and the potential impact on your credit score, it's a good idea to avoid cash withdrawals with your credit card.

4. How can I avail Priority Pass membership with HDFC Regalia Credit Card?

HDFC Regalia cardholders are eligible to apply for Priority Pass membership after making 4 retail transactions using their credit card. You can get this membership not only for yourself but also for any add-on cardholders. With Priority Pass membership, you can enjoy 6 free lounge visits every calendar year at lounges located outside of India.

5. How can I check my HDFC Regalia Credit Card statement online?

To check your credit card statement online, simply visit HDFC Bank's official website. Log in to your account and navigate to the 'Cards' section, then choose the 'Enquire' option to access your statement. Additionally, you can also use the HDFC mobile banking app to download your statement.

6. Is HDFC Regalia Credit Card good for travel?

Yes, HDFC Regalia is a favorable choice if you're looking for travel benefits. It provides advantages like a low forex markup fee, access to both international and domestic airport lounges, Priority Pass Membership, and a travel concierge service. If you're considering travel credit cards in India, it's a good idea to explore your options to determine the one that suits your needs best.

7. Can I increase my HDFC Regalia Credit Card limit online?

To request an online increase in your credit card limit, follow these steps:

1. Log in to your credit card net banking portal. 2. Once logged in, navigate to the 'Cards' section and click on 'Request.' 3. Choose the 'Credit Limit Enhancement' option. 4. Enter your credit card details for verification. 5. If your card is eligible for a credit limit increase, a pop-up will display the relevant limit. 6. The bank will review your application and get in touch with you for further processing.

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