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About Card

HDFC Regalia Credit Card

HDFC Regalia credit card is exclusively suited for people who want to avail luxurious benefits on travel, such as lounge access and Priority Pass membership. The regalia credit card comes with various travel and luxury rewards. It is one of the most popular & demanding Credit cards by HDFC with all such benefits To keep their promise of luxury & travel benefits, Card provides you with free Airport Lounge Access within India & outside India. With annual charges of Rs 2,500, this card comes with 2,500 bonus Reward Points. 


1st Year Fee


Best Suited For


₹ 2500+ taxes as applicable

Reward Point

Travel | Shopping

What you'll love

  • Get a welcome bonus of 2,500 Reward Points.
  • Get 4 Reward Points for every Rs. 150 you spend.
  • Earn  15,000 bonus Reward Points on spending Rs. 8 lakhs in an anniversary year.
  • Get exciting offers with the exclusive Dineout Passport Membership.
  • Complimentary membership to the Priority Pass program for the primary card holders.
  • Get 6 complimentary Lounge Access at airports outside India and 12 within India.
  • Low international transaction charges of 2%.
  • Spend over 3 lakhs in the previous year & get the renewal fee waived.
  • Get travel insurance benefits in case air accident worth up to Rs. 1 crore.


  • Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega

  • Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old

  • Income proof: Latest 2 month’s salary slip, latest form 16, and latest bank statement

Eligibility For Regalia Card

  • For Salaried

    Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 100000

  • For Self Employed

    Indian national
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹12 Lakhs per annum

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Rewards Benefits

With Hdfc Regalia credit card you can earn 15000 bonus reward point on completing milestone  as mentioned below points. With Regalia  you can earn 4 reward points on every Rs. 150 spent across retail purchase including insurance, utilities bill payments, rent and education fees etc

  • Earn 10000 reward points on spending 5 lakh in an anniversary year.
  • Earn 5000 extra reward point on  spending 8 lakh in  an anniversary year.
  • 4 reward on every time spend Rs 150

Reward Redemption

  • 1 reward point is equal to Rs. 0.50, on flight & hotel booking via Smart buy.
  • 1 reward point is equal to  0.50, air miles, on Airmiles conversion through net banking
  • 1 reward point is  equal to Rs  0.35 up to, against products and vouchers via Netbanking or Smartbuy
  • 1 reward point is  equal to Rs 0.20, against cash back,, 100 point is equal to Rs 20 cash back.

Welcome Benefits

  • Get 2,500 Reward Points after successful realization of the joining fee.

Fuel Surcharge Benefits

  • Get 1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.

Movie & Dinning Benefits

  •  Complimentary dine-out passport membership, 5% off additionally, and early access to several festivals & events

International & Domestic Airport lounge Benefits

  • Get 12 Complimentary lounges access to domestic and international airport terminal ( 6 each.

Insurance coverage Benefits

  • Complimentary insurance cover of worth Rs 1 Crore in case of Air Accident,
  • Complimentary  emergency Overseas Hospitalization protection worth up to Rs. 15 lakhs against any medical emergency when you are travelling, and are outside your home country
  • Lost Card Liability Cover : Upto Rs 9 lakhs  

Spend base  waiver fee Benefits

  • Spend over 3 lakhs in the previous year & get renewal fee waived off

  Zero liability Protection benefit

  • Get zero liability protection cover up to Rs 9 lacs in case of misuse or loss of card.Report your loss or any fraudulent transaction immediately to avail this facility.

Low foreign currency Markup fee benefits

  • Low foreign currency markup fee of 2% on your transactions

Concierge Services benefits

  • Get 24×7 concierge services for a convenient travel experience.








Why Should You Choose This Card?

Hdfc Regalia credit card is a premium credit card by Hdfc bank, this card is loaded with multiple benefits on travel and retail spends, if you travel regularly you can earn more benefits as reward points on this card in form of cash back, and you can get complimentary international lounges access as well as domestic lounge access every year along with a low forex markup fee. So if you can pay a high annual fee than Hdfc Regalia is the best option for you.


For Salaried

  • Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 100,000

For Self Employed

  • Indian national
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹12 Lakhs per annum

Fees and Charges on the HDFC Regalia Credit Card

Fees & Charges


Joining & Renewal Fees

2500+ Taxes (waiver applicable on spending 3Lakh in the previous year )

Interest-free period

Up to 50 days

Cash Withdrawal Limit

30 % of the card limit

Finance Charges/Cash Advance Fee

3.60% of the amount

Foreign Currency Markup Fee

2% on all foreign currency transactions.

Reward Redemption Fee

Rs 99 on every redemption request

Finance Charges/Cash Advance Fee

3.60% of the amount

Over Limit Fee

2.50% of the amount

Late Payment Charges

For Amount

  • Less Than Rs 100- Nil
  • Rs 100 to to Rs 500 – Rs 100
  • Rs 501 to  Rs 5000- Rs 500
  • Rs 5001 to Rs 10000- Rs 600
  • Rs 10001 to Rs 25000- Rs 800
  • Rs 25001 to  Rs 50000- Rs  11000
  • Over Rs 50000- Rs 1300

Add On Card Fee


Payment Return Charges ( For Chq/Auto Pay)

Rs 350 Per instance

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FAQs on HDFC Regalia Credit Card

  • You can contact to Hdfc bank customer care via different platform like, custmore care no 1800 202 6161/1860 202 6161 (Toll-Free for Mobile & Landlines in India) +91 22 61606160 (When Calling from Outside India) Email us at [email protected]

  • Yes,Get the annual fee waived off (second-year onwards) by spending more than 3 lakh in the previous year.

  • You can apply Offline & Online ,Now bank has introduced VKYC Digital Process for credit card application, now you can apply any time from any where in India through online procces, for offline you need to visit your nearest branch to apply a credit card of Hdfc bank. Alternatively, requests can also be made through net banking.

  • Customer who is above the age of 21, whether salaried or self-employed, can apply for this credit card, provided that they meet the income criteria and other card-specific requirements. The maximum age requirement to apply for this credit card is 60 years for salaried and 65 years for self employed.

  • Only Card holder after 4 successful retail transaction can apply for priority pass membership, You can avail Priority Pass membership for yourself as well as for add-on card members. With this membership benefit, you can get 6 complimentary lounge access every calendar year at lounges outside India.

  • You can check your transaction statements by Netbanking aur Registering mobile banking.All you need to do is log in to your account and go to ‘Cards’ and select the ‘Enquire’ option to view your statement.

  • 1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 for redemption against products and vouchers, 1 RP = Rs 0.20 for cash, and Air miles conversion at a value of 1RP = 0.5 air mile.

  • Yes, you get 12 complimentary domestic lounge access and 6 complimentary international lounge access with the HDFC Regalia card.

  • The HDFC Bank Regalia Credit card’s credit limit generally lies between Rs. 2 to Rs. 5 lakhs.