HDFC Regalia Credit Card

The HDFC Regalia Credit Card, introduced by HDFC Bank, is a premium offering designed to cater to the needs of discerning customers seeking exclusive travel and lifestyle benefits. 

Launched as part of HDFC Bank’s extensive suite of credit card products, the Regalia Card stands out for its robust rewards program and superior customer benefits. With an annual fee of ₹2,500 plus GST, it provides a compelling proposition for those looking to enhance their travel experiences and enjoy luxurious lifestyle perks.

Since its inception, the HDFC Regalia Credit Card has established itself as a favoured choice among frequent travellers and high-spending individuals. The card offers an array of features, including complimentary domestic and international lounge access, a generous rewards rate of 4 Reward Points per ₹150 spent, and extensive insurance coverage. 

With the added advantage of low foreign currency markup fees and exclusive dining discounts, the HDFC Regalia Card is designed to deliver exceptional value and convenience for those who demand the best in their financial services.

Feed and Charges

Fee Type	Details
Joining Fee	₹2,500 + GST
Renewal Fee	₹2,500 + GST (waived on annual spend of ₹3 lakh)
Interest Rate	3.6% per month (43.2% annually)
Foreign Currency Markup	2%
Cash Advance Fee	2.5% of the transaction amount or ₹500 (whichever is higher)
Reward Redemption Fee	₹99 + taxes
Fuel Surcharge	1% waiver on transactions between ₹400 and ₹5,000 (capped at ₹500 per month)

Reward and Benefits

Rewards Rate:

• Earn 4 Reward Points (RP) for every ₹150 spent on retail purchases.

Accelerated Rewards:

• 10x RPs for hotel/bus ticket bookings on SmartBuy.
• 5x RPs on Amazon shopping and flight bookings via Cleartrip and EasemyTrip.
• 3x RPs on Flipkart and rail ticket bookings.

Reward Redemption:

• 1 RP = ₹0.50 for flights and hotel bookings on SmartBuy.
• 1 RP = ₹0.35 for products and vouchers.
• 1 RP = ₹0.20 for cash back.
• 1 RP = 0.5 air mile for air mile conversion.
• Reward redemption fee: ₹99 + taxes.

Welcome Benefits:

• 2,500 bonus Reward Points on payment of the joining fee.

Travel Benefits:

• Complimentary Priority Pass membership with 6 free international lounge visits per year.
• 8 complimentary domestic airport lounge visits per year.

Insurance Benefits:

• Air accident cover: ₹1 crore.
• Emergency hospitalisation: ₹15 lakhs.

Dining Benefits:

• Up to 20% off at partner restaurants via Swiggy Dineout (when payment is made through Swiggy).

Concierge Services:

• 24×7 Concierge services for assistance with travel, dining, and more.

Annual Fee Waiver:

Product Details

• Spend ₹3 lakh in a year to waive the annual fee.

• The renewal fee is waived on spending ₹3 lakh annually.
• Receive 2,500 Reward Points upon payment of the joining fee.
• Earn 4 Reward Points for every ₹150 spent. These points can be redeemed for travel, vouchers, products, and cashback.
• Complimentary access to 8 domestic lounges and 6 international lounges per year via Priority Pass.
• Includes air accident cover up to ₹1 crore and emergency hospitalisation cover up to ₹15 lakhs.
• Up to 20% off at partner restaurants through Swiggy Dineout.
• Competitive 2% markup on all foreign currency transactions, making it ideal for international travellers.
• Earn 10,000 Reward Points on spending ₹5 lakhs annually and an additional 5,000 points on spending ₹8 lakhs annually.

HDFC Regalia Credit Card: Advantages and Disadvantages

Advantages:

• Generous Rewards Program: Earn 4 Reward Points per ₹150 spent, with high redemption value for travel and shopping.
• Welcome Bonus: 2,500 Reward Points upon joining.
• Lounge Access: Complimentary access to 8 domestic and 6 international lounges per year via Priority Pass.
• Comprehensive Insurance: Includes ₹1 crore air accident cover and ₹15 lakhs for emergency hospitalisation.
• Dining Discounts: Up to 20% off at partner restaurants through Swiggy Dineout.
• Low Forex Markup: Competitive 2% markup on foreign currency transactions.
• Spend-Based Waiver: Annual fee waived on spending ₹3 lakh in the previous year.
• Milestone Benefits: Earn 10,000 Reward Points on spending ₹5 lakhs annually, plus an additional 5,000 points on spending ₹8 lakhs annually.

Disadvantages:

• High Annual Fee: ₹2,500 + GST may be considered high if spending thresholds are not met for a fee waiver.
• Interest Rate: High interest rate of 3.6% per month (43.2% annually) if dues are not paid on time.
• Spend Requirement for Lounge Access: Must spend ₹1 lakh per quarter to access domestic lounges.
• No Golf Benefits: Unlike some other premium cards, it does not offer golf privileges.
• Reward Points Expiry: Points expire after 2 years if not used.
• Exclusions on Reward Points: No reward points on fuel, EasyEMI, and certain other transactions.

HDFC Regalia Credit Card Benefits and Features

Feature	Details
Welcome Bonus	➡ Offer: 2,500 Reward Points ➡ Condition: On payment of the joining fee of ₹2,500 + GST.
Lounge Access	➡ Domestic: 8 complimentary visits per year. ➡ International: 6 complimentary visits per year through Priority Pass.
Insurance Coverage	➡ Air Accident Cover: Up to ₹1 crore. ➡ Emergency Hospitalization: Up to ₹15 lakhs for overseas treatment.
Dining Benefits	Discount: Up to 20% off at partner restaurants via Swiggy Dineout.
Foreign Currency Markup	Fee: 2% on international transactions, making it cost-effective for global use.
Milestone Benefits	➡ Spend ₹5 Lakhs: Earn 10,000 Reward Points annually. ➡ Spend ₹8 Lakhs: Additional 5,000 Reward Points.
Annual Fee Waiver	Condition: Waived if you spent ₹3 lakh or more in the previous year.
Golf Benefits	Not available.

HDFC Regalia Credit Card Welcome Benefits

• Bonus Reward Points: Receive 2,500 Reward Points upon successful payment of the joining fee.
• Complimentary Airport Lounge Access:
  • Domestic: 8 free visits to airport lounges within India each year.
  • International: 6 free visits to lounges outside India via Priority Pass.
• Dining Discounts: Enjoy up to 20% off at partner restaurants through the Swiggy Dineout program when payment is made via the Swiggy app.

HDFC Regalia Credit Card: Travel Benefits

1. Airport Lounge Access:
   • Domestic: 8 complimentary visits to airport lounges in India each year.
   • International: 6 complimentary visits to lounges outside India via Priority Pass.
2. Travel Insurance:
   • Accidental Air Death Cover: Up to ₹1 crore.
   • Emergency Medical Cover: Up to ₹15 lakhs for overseas treatment.
3. Foreign Currency Markup Fee: 2% on all foreign currency transactions, which is relatively low compared to other cards.
4. Travel Concierge Services: 24/7 assistance for travel-related inquiries and bookings.
5. Rewards on Travel Spend: Accelerated Reward Points on travel bookings through the HDFC SmartBuy platform:
   • 10x Reward Points on hotel and bus ticket bookings.
   • 5x Reward Points on flight bookings through Cleartrip and EasemyTrip.

HDFC Regalia Credit Card Reward Offers

1. Reward Points Accumulation: Earn 4 Reward Points for every ₹150 spent on the card. Points are accrued on all purchases except fuel, EasyEMI, and certain other transactions.
2. Accelerated Rewards:
   • Travel and Shopping: Earn accelerated Reward Points on bookings made via HDFC’s SmartBuy platform:
     • 10x points on hotel and bus ticket bookings.
     • 5x points on Amazon, Cleartrip, EaseMyTrip, Redbus, and Apple purchases.
     • 3x points on Flipkart and Rail Tickets.
   • Cap: Maximum accelerated Reward Points are capped at 4,000 per month.
3. Redemption Value:
   • 1 Reward Point = ₹0.5 for flights and hotel bookings through HDFC SmartBuy.
   • 1 Reward Point = ₹0.35 for vouchers and products.
   • 1 Reward Point = ₹0.20 for cashback.
   • Air miles conversion: 1 Reward Point = 0.5 air miles.
4. Reward Points Expiry: Points expire 2 years from the date of accumulation.
5. Redemption Fee: ₹99 + taxes per redemption request.

HDFC Regalia Credit Card Fees and Charges

Fee Type	Details
Joining Fee	₹2,500 + GST
Renewal Fee	₹2,500 + GST annually. Waived if you spent ₹3 lakhs or more in the previous year.
Interest Rate	3.6% per month (43.2% annually) on outstanding balances
Foreign Currency Markup	2% on all foreign currency transactions
Cash Advance Charges	2.5% of the transaction amount or ₹500 (whichever is higher)
Reward Points Redemption Fee	₹99 + taxes per redemption request
Fuel Surcharge	1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹500 per month
Late Payment Fee	Up to ₹1,000, depending on the outstanding amount
Overlimit Fee	₹500 if the credit limit is exceeded
Add-on Card Fee	No additional fee for add-on cards
Duplicate Statement Fee	₹100 per statement
Cash Withdrawal Fee	2.5% of the transaction amount or ₹500 (whichever is higher)
International Transaction Fee	Included in the 2% foreign currency markup

Why Choose the HDFC Regalia Credit Card?

1. Comprehensive Travel Benefits: Enjoy 8 domestic and 6 international airport lounge visits per year, along with travel insurance coverage of up to ₹1 crore for accidental air death and ₹15 lakhs for emergency medical expenses abroad.
2. Generous Reward Points: Earn 4 Reward Points for every ₹150 spent, with accelerated points on travel and shopping through HDFC SmartBuy. A welcome bonus of 2,500 Reward Points adds immediate value.
3. Low Foreign Currency Markup: Benefit from a competitive foreign currency markup fee of just 2%, making international transactions more cost-effective.
4. Exclusive Dining Discounts: Receive up to 20% off at partner restaurants through the Swiggy Dineout program, enhancing your dining experiences.
5. Milestone Rewards: Gain additional Reward Points based on annual spending milestones, with up to 15,000 Reward Points for high spenders.
6. Insurance Coverage: Comprehensive insurance benefits, including lost card liability cover and emergency medical expenses, adding extra security to your travels.
7. 24/7 Concierge Services: Access personalised assistance for travel, dining, and entertainment needs, making your lifestyle management easier.
8. Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹500 per month.

Terms and Conditions Of HDFC Regalia Credit Card  

1. Joining and Renewal Fees: Fees are non-refundable and applicable, plus applicable taxes. The renewal fee is charged annually unless waived under specific conditions.
2. Reward Points:
   • Eligibility: Reward Points are not earned on transactions such as fuel, EMI conversions, or government payments.
   • Expiry: Reward Points expire 2 years from the date of accumulation. Unused points will be forfeited if the card is inactive for 1 year.
3. Reward Points Redemption:
   • Redemption Fee: A fee of ₹99 + taxes applies per redemption request.
   • Rates and Limits: Redemption rates are subject to change. Capped at 50,000 points per month for hotel/flight bookings and card statement balance adjustments.
4. Foreign Currency Markup Fee: This applies to all transactions made in foreign currencies. This fee is exclusive of any additional charges imposed by the foreign merchant.
5. Cash Advance Charges: Includes a fee of 2.5% of the transaction amount or ₹500 (whichever is higher). Interest is charged from the date of the transaction until repayment.
6. Interest Rates: An annual percentage rate (APR) of 43.2% applies to outstanding balances if the full payment is not made by the due date.
7. Late Payment Fees: Charges up to ₹1,000 depending on the outstanding balance. Late payment fees are subject to change based on the credit card issuer’s policies.
8. Lounge Access:
   • Domestic Access: Limited to 8 complimentary visits per calendar year. Additional visits are chargeable and subject to availability.
   • International Access: 6 complimentary visits via Priority Pass per year. Additional visits will incur a fee of USD 27 per person.
9. Fuel Surcharge Waiver: Waiver applies to transactions between ₹400 and ₹5,000 only. Cap of ₹500 per month.
10. Card Usage and Rewards: Reward Points may be reversed if transactions are converted to EMI or if the card is not used for a period of 1 year.

Who Can Apply for the HDFC Regalia Credit Card?

1. Age Criteria:
   • Salaried Individuals: Must be between 21 and 60 years old.
   • Self-Employed Individuals: Must be between 21 and 65 years old.
2. Income Requirements:
   • Salaried Employees: A minimum annual income of ₹12 lakhs is typically required. Higher income levels may be necessary depending on the applicant’s credit profile and other factors.
   • Self-Employed Individuals: A minimum annual income of ₹15 lakhs is generally required. This may vary based on business type, financial stability, and credit history.
3. Employment Status:
   • Salaried Employees: Must be employed with a recognised company or government organisation. Proof of employment and salary details are required.
   • Self-Employed Individuals: Must have a stable business with a good financial track record. Documentation such as business registration, income tax returns, and financial statements are needed.
4. Credit History:
   • Applicants must have a good credit history of 750 and above. This includes a clean record of timely payments on existing loans and credit cards.
5. Residential Status:
   • The applicant must be a resident of India. Non-resident Indians (NRIs) are typically not eligible for this card, though HDFC Bank may offer other cards designed for NRIs.

Documentation Needed for HDFC Regalia Credit Card

Identity Proof:	Address Proof
Aadhar Card	Utility Bill (Electricity, Water, Gas)
Passport	Rental Agreement
Voter ID	Bank Statement (with current address)
Driver’s License	Aadhar Card (if updated with current address)

Income Proof:

• Salaried Employees:
  • Recent Salary Slips (last 3-6 months)
  • Bank Statements (last 6 months)
  • Form 16 or Income Tax Returns (ITR) (last 2 years)
• Self-Employed Individuals:
  • Business Registration Documents
  • Income Tax Returns (ITR) (last 2 years)
  • Financial Statements (Profit & Loss, Balance Sheet)
  • Bank Statements (last 6 months)

Employment Proof:

• Salaried Employees:
  • Employment Verification Letter or Company ID
• Self-Employed Individuals:
  • Proof of Business (Registration Certificate, Business License)

Additional Documentation:

• For Existing HDFC Bank Customers:
  • Previous Account Statements (if applicable)

HDFC Regalia Credit Card: Login / Internet Banking Registration

• Visit HDFC Bank’s Official Website:
  • Open your web browser and go to the HDFC Bank homepage.
• Access Online Banking Section:
  • Scroll down to the ‘Ways to Bank’ section on the homepage.
• Select ‘Credit Card Net Banking’:
  • Find and click on the ‘Credit Card Net Banking’ option.
• Click on ‘Register Online’:
  • Choose the ‘Register Online’ link to begin the registration process.
• Fill in the Required Details:
  • Enter all necessary information as prompted, including your credit card details and personal information.
• Complete the Registration:
  • Submit the form to complete the registration. You will receive confirmation once the process is finished.

HDFC Regalia Customer Care

1. 24/7 Helpline Number:
   • Call: 1800 266 4332
   • Available for general inquiries, emergencies, and card-related issues.
2. Email Support:
   • Send queries to: [email protected]
   • Use this for detailed inquiries or to follow up on issues not resolved via phone.

FAQs