What are the joining and renewal fees for the HDFC Bank Regalia Credit Card?

The HDFC Bank Regalia Credit Card has a joining fee of Rs. 2,500 + GST and a renewal fee of Rs. 2,500 + GST.

Does the HDFC Bank Regalia Credit Card offer complimentary lounge access?

Yes, the HDFC Bank Regalia Credit Card offers 8 complimentary domestic and 6 international lounge accesses annually. Domestic access is spend-based.

What is the reward rate on the HDFC Bank Regalia Credit Card?

Cardholders earn 4 Reward Points for every Rs. 150 spent on retail with the HDFC Bank Regalia Credit Card.

How can I redeem reward points earned on my HDFC Bank Regalia Credit Card?

Reward points from your HDFC Bank Regalia Credit Card can be redeemed via the HDFC Smartbuy portal or Netbanking for flights, hotels, vouchers, or cashback.

What are the foreign currency markup charges for the HDFC Bank Regalia Credit Card?

The HDFC Bank Regalia Credit Card has a competitive foreign currency markup of just 2% on all international transactions.

Are there any spend-based waivers for the HDFC Bank Regalia Credit Card's annual fee?

Yes, the annual fee for your HDFC Bank Regalia Credit Card can be waived from the second year onwards if you spend Rs. 3 lakhs or more in the previous year.

What insurance benefits are included with the HDFC Bank Regalia Credit Card?

The HDFC Bank Regalia Credit Card offers accidental air death cover of Rs. 1 Crore, overseas medical emergency cover up to Rs. 15 lakhs, and lost card liability cover up to Rs. 9 lakhs.

How do milestone benefits work with the HDFC Bank Regalia Credit Card?

Earn 10,000 Reward Points on spending Rs. 5 lakhs and an additional 5,000 RPs (total 15,000) on Rs. 8 lakhs in an anniversary year with the HDFC Bank Regalia Credit Card.

What are the eligibility criteria for the HDFC Bank Regalia Credit Card?

Salaried individuals aged 21-60 with income >= Rs. 1 Lakh/month, and self-employed aged 21-65 with ITR >= Rs. 12 Lakhs/annum are eligible for the HDFC Bank Regalia Credit Card.

What are the main drawbacks of the HDFC Bank Regalia Credit Card?

The HDFC Bank Regalia Credit Card has spend categories excluded from rewards, points expire in 2 years, and domestic lounge access is spend-based.

HDFC Bank

HDFC Bank Regalia Credit Card

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Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

2,500 bonus Reward Points are awarded after the successful realization of the joining fee.

Rewards Rate

Earn 4 Reward Points on every Rs. 150 spent on retail.

Reward Type

Reward Points

Reward Redemption

Redeem on HDFC Smartbuy or Netbanking for flights, hotels, vouchers, or cashback.

Domestic Lounge Access

8 complimentary accesses per year, spend-based (Rs. 1 lakh per quarter for 2 vouchers).

International Lounge Access

Priority Pass membership with 6 complimentary lounge visits per year outside India.

Premium Benefits

Not applicable.

Insurance Coverage

Accidental air death cover of Rs. 1 Cr, emergency overseas hospitalization up to Rs. 15 lakhs.

Movie

Not Applicable

Dining

Get up to 20% off on partner restaurants via Swiggy Dineout when payment is made via the Swiggy application.

Travel Benefits

Complimentary domestic/international lounge access, travel insurance, and accelerated rewards on bookings.

What matters, explained clearly

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Frequently Asked Questions

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