Key Highlights of HDFC Regalia Credit Card

Following are the key highlights of the HDFC Regalia Credit Card:

Joining FeeRs. 2,500 + applicable taxes 
Annual FeeRs. 2,500 + applicable taxes (waived off on spending Rs. 3 lakhs in a year)
Best For Reward Points
Benefits Complimentary airport lounge access, reward points, zero lost card liability, 1% fuel surcharge waiver, etc.
Rewards4 reward points on every Rs. 150 retail spend
Age21 to 60 years/65 years
Minimum IncomeNet Monthly Income > Rs. 1,00,000 (for salaried) & ITR > Rs. 12,00,000 (for self-employed)
Foreign Currency Markup 2% on all foreign currency spend

HDFC Regalia Credit Card Features & Benefits

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

  • HDFC Bank has updated the domestic lounge access conditions following which all of the Regalia credit card holders can avail complimentary access to domestic airport lounges if they spend a minimum of Rs. 1 lakh in a calendar quarter. 
  • The benefit will be available in the subsequent quarter for a limit of up to 2 lounge visits in the 3-month period with a maximum of 8 in a calendar year. 
  • The complimentary lounge visit benefit will be provided through lounge access vouchers available at HDFC Bank Regalia SmartBuy page. 
  • The lounge access vouchers are sent via SMS and email in accordance with the registered credentials with HDFC Bank. 
  • Lounge access vouchers will contain QR codes that can be shown at domestic airport lounges to avail the benefit. 

Priority Pass 

  • You can apply for an 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 of up to 6 complimentary HDFC Regalia 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.
  • 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 airmile.
    • 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 7.5% savings on all bill payments done via Swiggy Dineout at 20,000+ restaurants.
  • 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 6 to 48 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 Regalia Card 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. 

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
  • 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 spent.
  • 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.
  • Insta Loan, Jumbo Loan & Smart EMI processing fee: Up to Rs. 999 + GST. 
  • EasyEMI processing fee: Up to Rs. 299 + GST.
  • Insta Loan, Jumbo Loan & Smart EMI preclosure charges: Rs. 999.
  • 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 Bank Regalia Credit Card Eligibility

Following are the HDFC 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. 

Also Read: HDFC Bank Virtual Credit Card

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.

How to Apply for HDFC Regalia Credit Card?

You can apply for HDFC Regalia credit card online through the HDFC Bank’s website/mobile app or from our lending marketplace, in a completely digital way. If you want to get an instant decision on your card application, just follow the steps mentioned below to apply for the card through MyMoneyMantra:

  • Check your eligibility for the HDFC Bank Regalia credit card by clicking 'Check Eligibility'.
  • Provide all the required details.
  • Upload the required documents.
  • You can track your card application with your tracking ID with the 'Track Application' process.

Also Read: HDFC Bank Forex Cards

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HDFC Regalia Credit Card FAQs

How to get a Priority Pass card?


You can apply for a Priority Pass HDFC card for self/add-on members after doing 4 retail transactions on your HDFC Regalia credit card. 

How many reward points does the HDFC Regalia credit card offer?


You can earn up to 4 reward points on retails spends (including insurance, utilities, & rent payment) of every Rs. 150.

What are the available reward points redemption options?


HDFC Regalia credit cardholders can redeem their accumulated reward points against:

  • Flight and hotel bookings via SmartBuy
  • Air Miles 
  • Curated global experiences 
  • Premium vouchers
  • Cashback

What is the annual membership fee applicable to HDFC Regalia credit card?


The annual membership fee for an HDFC Regalia credit card is Rs. 2,500 + applicable taxes.

Can the membership fee be waived?


Yes. The membership fee will be completely waived on spending Rs. 3 Lakhs in an anniversary year. 

Can we access the airport lounge with a Regalia credit card?


Yes, the Regalia credit card offers complimentary access to domestic as well as international airport lounges.

How many times can I use a regalia card in the airport lounge?


HDFC Regalia credit card offers a maximum of 8 complimentary visits to domestic airport lounges across India with an upper ceiling of 2 lounge visits in a calendar quarter.

Does HDFC Regalia card have international lounge access?


Yes. The HDFC Regalia card gives you 6 complimentary access to international airport lounges.