HDFC Bank Regalia Credit Card
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 4 Reward Points per ₹150 (Base reward accrual)
Overview
HDFC Bank Regalia Credit Card by HDFC Bank provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 4 Reward Points per ₹150 (Base reward accrual)
- • Accelerated Rewards: Accelerated rewards on SmartBuy travel bookings
- • Excluded Categories: Fuel, Wallet reload, Rent
Welcome Benefit
2,500 Reward Points upon realization of joining fee; Qualification Criteria: Fee realization within 90 days; Fulfillment Timeline: 30-45 days post fee realization
Milestone Benefit
Spend ₹5 Lakhs (Annual): 10,000 bonus Reward Points on ₹5L annual spends; Spend ₹8 Lakhs (Annual): Additional 5,000 bonus Reward Points on ₹8L annual spends; Annual Fee Waiver: Spend ₹3 Lakhs in 12 months for renewal fee waiver
Redemption
- • Travel booking on SmartBuy at 1 RP = ₹0.50
- • AirMiles 1:1 conversion (Select airlines)
- • Product catalog at 1 RP = ₹0.35
Benefits
- Domestic Airport Lounge: 12 per calendar year via Visa / Mastercard Lounge
- International Airport Lounge: 6 per calendar year via Priority Pass
- Fuel Surcharge Waiver: 1% (Max waiver ₹500 per statement cycle)
- Good Food Trail Dining Privileges: Savings on dining across partner restaurants. (Up to 15% discount via partner dine-in apps) [Partners: Swiggy Dineout]
Things to Know Before you apply
HDFC Bank Regalia Credit Card Eligibility Criteria
- Age: 21–60 years
- Salaried: Net monthly income > ₹1,00,000; Self-employed: ITR > ₹12 Lakhs
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹2,500 |
| Annual Fee | ₹2,500 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹3 Lakhs in 12 months for renewal fee waiver
PaisaSimple Review
Overall Rating
4.7/5What do we like about this card?
HDFC Bank Regalia Credit Card issued by HDFC Bank is one of India's leading credit cards for Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 4 Reward Points per ₹150 (Base reward accrual)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • 2,500 Reward Points upon realization of joining fee
- • Qualification Criteria: Fee realization within 90 days
- • Fulfillment Timeline: 30-45 days post fee realization
- • 6,000 bonus Reward Points worth ₹1,500 upon payment of joining fee
- • Qualification Criteria: Payment of joining fee within 30 days
- • Fulfillment Timeline: 30 days post fee realization
- • Complimentary Annual Memberships (Swiggy One & Times Prime) upon spending ₹75,000 within 90 days
- • Qualification Criteria: Spend ₹75,000 within 90 days of card setup
- • Fulfillment Timeline: Issued via SMS/Email within 30 days post spend milestone
- • Base Rewards: 4 Reward Points per ₹150 (Base reward accrual)
- • Accelerated Rewards: Accelerated rewards on SmartBuy travel bookings
- • Excluded Categories: Fuel, Wallet reload, Rent
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Accelerated Rewards: 7.25% value back on BPCL fuel & lubricants: 25 Reward Points per ₹100 (6.25% value) + 1% fuel surcharge waiver (capped at 2,500 RPs per billing cycle). 10 RPs per ₹100 on Dining, Groceries, Departmental Stores & Movies.
- • Excluded Categories: Non-BPCL petrol pumps, Wallet loads
- • Base Rewards: 4 Reward Points per ₹150 (Base 2.6% reward point accumulation)
- • Accelerated Rewards: Up to 5X Reward Points via SmartBuy & 2X rewards on weekend dining
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 4 Reward Points per ₹150 (Base reward accrual)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 1 Reward Point per ₹100 (1 Reward Point per ₹100 on other retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 Reward Points per ₹150 (Base 2.6% reward point accumulation)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹1499
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions