HDFC Regalia Credit Card

About HDFC Regalia Credit Card

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.

HDFC Regalia Credit Card Rewards Program

Rewards Benefits:

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:
1. Log in to SmartBuy Regalia portal.
2. Go to Regalia Benefits → Airport Benefit.
3. Track quarterly spending under Milestone Tab.
4. 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.

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)
Cash processing fee	Rs.100 per transaction
Payment return charges	2% of the payment amount (Minimum of Rs.450)
Card re-issuance charges	Rs.100 per instance
Duplicate statement	Rs.10

Things to Know Before you apply

Get this card if:

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?

Earn 10,000 reward points when you spend Rs. 5 lakh or more in an anniversary year.
Get up to 15% discount on dining at partner restaurants.
Accelerated rewards to help you earn points faster on your spends.
Redeem your reward points for exclusive gifts and offers available only for Regalia cardholders.
Enjoy up to 50 days of interest-free credit on purchases.
Benefit from a low foreign currency mark-up fee of just 2% when using your card abroad.

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

Frequently Asked Questions

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.