Following are the key highlights of the HDFC Regalia credit card:

Joining fee	Rs. 2,500 + applicable taxes
Annual fee	Rs. 2,500 + applicable taxes
Best for	Reward Points
Benefits	Complimentary airport lounge access, reward points, zero lost card liability, 1% fuel surcharge waiver, etc.
Rewards	4 reward points on every Rs. 150 retail spend
Age	21 to 60 years/65 years
Minimum monthly income	Rs. 1,00,000
Foreign currency markup	2% on all foreign currency spend

The following are the key features and benefits of the HDFC Regalia card:

Welcome Benefit 

• 2500 reward points on joining and renewal. 
• Offer applicable only after the membership fee is realized. 
• The offer is not applicable when the membership fee is waived.

Complimentary Airport Lounge Access

• You get 12 complimentary HDFC Regalia lounge access to airport lounges within India.
• 6 complimentary access to airport lounges outside India.
• Just swipe your Regalia credit card at the lounges to avail this benefit.
• Visits exceeding the complimentary quota will be permitted at the discretion of lounges at applicable charges.

Priority Pass 

• You can apply for HDFC Regalia Priority Pass for yourself and add on members on completing a minimum of 4 retail transactions on your card. 
• Using Priority Pass HDFC Regalia, you and add-on card members can together avail up to 6 complimentary lounge access each calendar year, outside India. 
• On exceeding the 6 complimentary visits, you will be charged US $27 + GST per visit. 

Reward Points

• 4 reward points on spending every Rs. 150 on retail, including insurance, utilities & education.
• 10,000 bonus reward points on spending Rs. 5 Lakhs in an anniversary year.
• Additional 5,000 reward points on spending Rs. 8 Lakhs in an anniversary year.
• You can redeem your reward points on Smartbuy or Netbanking.
• Reward points can be redeemed against:
  • Flights & hotel bookings via SmartBuy at a value of 1 RP = Rs. 0.5.
  • Airmiles conversion through netbanking at a value of 1RP = 0.5 air mile.
  • Products & vouchers via netbanking/ SmartBuy at a value of 1 RP = up to Rs. 0.35.
  • Cashback at a value of 1 RP = Rs. 0.20.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver across all fuel stations in India 
• The minimum transaction value should be Rs. 400 and the maximum should be Rs. 5,000.
• The maximum waiver of Rs. 500 per statement cycle can be availed of. 
• Fuel surcharge varies from 1% to 2.5% of the fuel transaction amount, depending on the fuel station and its acquiring bank. 

Good Food Trail Program

• Amazing dining benefits under the Good Food Trail program.
• Up to 20% savings on all 20,000+ restaurants bill payments done via Swiggy Dineout. 
• Offer includes restaurant & Swiggy discount. 
• Offer valid only on payments done with the Swiggy app.

Smart EMI

• Facility to convert your big spends into EMI after purchase.
• Repay conveniently over 9 to 36 months. 
• The loan is pre-approved so no documents are required.
• A processing fee of Rs. 499 + GST for all loan amounts is applied.
• Transactions over 60 days cannot be converted into EMI.

Contactless Payment

• The HDFC Regalia Credit Card is enabled for contactless payments, enabling fast, convenient and secure payments at retail outlets. 
• Look for the contactless network symbol on your card to see if your card is contactless. 
• Payment through contactless mode is capped at a maximum of Rs. 5,000 for a single transaction. 
• If the amount is equal to or above Rs. 5,000, the cardholder has to enter the credit card PIN for security reasons.

Insurance 

• Accidental Air Death Cover worth Rs. 1 Crore.
• Emergency Overseas Hospitalization of up to Rs. 15 Lakhs.
• Lost Card Liability Cover up to Rs. 9 Lakhs.

Other Benefits

• In the unfortunate event of losing your credit card, report it immediately to HDFC’s 24-hour call centre, to have zero liability for any fraudulent transactions made on your card. 
• Revolving credit on your HDFC Regalia credit card at a nominal interest rate.
• Exclusive 24x7 concierge services. 

Joining & Annual Fees 

• Joining fee: Rs. 2,500 + applicable taxes.
• Renewal membership fee: Rs. 2,500 + applicable taxes. Waived off if you spend more than Rs. 3 Lakhs in the previous year.

HDFC Bank Regalia Credit Card fees and charges are listed below in detail:

• Joining fee: Rs. 2,500 + applicable taxes.
• Renewal fee: Rs. 2,500 + applicable taxes.
• Joining & annual fees for Add-on card: Nil.
• Charges on revolving credit: 3.6% per month (43.2% p.a.).
• Auto EMI conversion charges: Applicable on transactions (excluding fuel, jewellery & gold) of Rs. 10,000 or more for a tenure of 9 months, at a 20% p.a. interest rate & Rs. 99 processing fee.
• Cash advance charges: 2.5% of the amount withdrawn or Rs. 500, whichever is higher.
• Late payment charges: Up to Rs. 1,300, depending on the outstanding balance amount.
• Charges on overlimit account: 2.5% of the overlimit amount (minimum of Rs. 550).
• Payment return charges: 2% of the payment amount (minimum Rs. 450).
• Foreign currency markup: 2% on all foreign currency spend.
• Cash processing fee: Rs. 100.
• Rewards redemption fee: Rs. 99 per redemption request.
• Balance transfer processing charges: 1% of the balance transfer amount or Rs. 250, whichever is higher. 
• Loan processing fee & preclosure charges: Rs. 999.
• Duplicate physical statement charges: Rs. 10 per duplicate physical statement.
• Railway ticket purchase fee: 1% of the transaction amount + GST.
• Rent pay transaction fee: 1% on transaction amount w.e.f 01.01.2023.
• Lounge card validation charges: Rs. 2. 
• Reissuance of lost/ stolen/ damaged card: Rs. 100.
• Outstation cheque processing fee: Rs. 25 for cheque value up to Rs. 5,000 & Rs. 50 for above Rs. 5,000.
• Dynamic currency conversion markup: 1% on international transactions.
• Goods & Services Tax (GST): Applicable on all fees, interest & charges. 

TDS on cash withdrawals above Rs. 1 Crore: 2% on aggregate cash withdrawals exceeding Rs. 1 C

Following are the HDFC Bank Regalia credit card eligibility criteria in detail:

Criteria for Salaried Indian Nationals

• Age: Minimum 21 years and maximum 60 years.
• Income: Net monthly income of more than Rs. 1 Lakh.

Criteria for Self-employed Indian Nationals

• Age: Minimum 21 years and maximum 65 years.
• Income: Income Tax Return (ITR) above Rs. 12 Lakhs per annum. 

If you want an HDFC Bank Regalia credit card apply online with the following documents along with a duly filled-in and signed application form and a recent colour photograph of the applicant.

• Identity proof (any one): Aadhaar Card, PAN Card, Passport, Driver’s License, Voter’s ID, Job Card issued by NREGA, Letters issued by the UIDAI or any other photo ID proof approved by the government.
• Residence proof (any one): Aadhaar Card, Passport, Driver’s License, Utility Bill (not older than 3 months), Ration Card, Job Card issued by NREGA, Property Registration Document, Bank Account Statement or any other address proof approved by the government. 
• Income proof (any one): Latest salary slips (not older than 3 months), latest Form 16, and last 3 months’ bank statement. 

*Note: HDFC Bank may ask for additional documents, as per their internal policies.