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HDFC Bank Regalia Credit Card

HDFC Regalia Card comes with Great Benefits, complimentary domestic & international airport lounge access on Credit Card, 1% fuel surcharge waiver, 20% savings on restaurant bill payments via Swiggy Dineout, and much more The connection fee and annual Joining fee for the card is Rs. 2500 each. Renewal Fee can be waived off for expenses above Rs. 3 Lac in previous year.

Key Highlights of HDFC Regalia Credit Card

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

Features & Benefits of HDFC Regalia Credit Card

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.


  • 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 Regalia Credit Card Fee & Charges

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

HDFC Regalia Credit Card Eligibility

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. 

HDFC Regalia Credit Card Document Required

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.

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