All about HDFC Regalia Credit Card 

HDFC Regalia Credit Card offers various travel and luxury rewards. It best suits those customers who want to earn reward points on transactions made through credit cards. It provides complimentary international and domestic lounge access every year along with a minimal forex markup cost. It provides many benefits across multiple categories like lifestyle, travel, and dining.

Key Highlights of HDFC Regalia Credit Card
Best Suited forShopping & Travel
Joining FeeINR 2,500
Renewal FeeINR 2,500 (waived off on spending INR 3 lakh in a year)
Minimum Income RequirementSalaried: INR 1 lakh p.m.· Self-employed: ITR>INR 12 lakh p.a.
Best FeatureComplimentary domestic and international airport lounge access

Documents Required

Before clicking on the HDFC Credit Card Apply button, an applicant must be aware of the documents required:

Proof of IdentityPAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI, or any other government-approved photo ID proof
Proof of AddressAadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof
Proof of IncomeLatest one or 2 salary slips (not more than 3 months old), the Latest Form 16, Last 3 months’ bank statement

Eligibility Criteria

Salaried PersonsAge: 21 years to 60 YearsNet Monthly Income: Minimum INR 1,00,000 p.m.
Self-Employed PersonsAge: 21 years to 65 YearsNet Monthly Income: Minimum INR 12,00,000 per annum (as per ITR)

Fees & Charges

Joining FeeINR 2,500 
Annual FeeINR 2,500 (waived off on spending INR 3 lakh in a year)
Finance Charges3.6% p.m. (43.2% p.a.)
Late Payment ChargesFor Statement Balance:· Less than INR 100: Nil· INR 100 to INR 500: INR 100· INR 501 to INR 5,000: INR 500· INR 5,001 to INR 10,000: INR 600· INR 10,001 to INR 25,000: INR 800· INR 25,001 to INR 50,000: INR 1,100· More than INR 50,000: INR 1,300

How to Apply for HDFC Regalia Credit Card?

  • Step 1: Visit the official website of HDFC Bank.
  • Step 2: Under the heading “Borrow”, click on “Credit Cards”.
  • Step 3: It will redirect to a page where different HDFC credit cards would be displayed on the screen having many different features.
  • Step 4: Under the category “Lifestyle”, select HDFC Regalia Credit Card”.
  • Step 5: Click on “Apply Now”.
  • Step 6: Enter the mobile number along with the captcha.
  • Step 7: Enter all important information required along with the documents to finish the application process.

Key Features of HDFC Regalia Credit Card

  • 12 Complimentary Airport Lounge Access within India and 6 outside India.
  • Bonus 10,000 Reward Points on INR 5 lakhs spend an additional 5,000 Reward Points on INR 8 lakhs spends in an anniversary year. 
  • Earn 4 Reward Points on every INR150 spent
    (On all retail* spends)

Some Additional Features

  • Zero Lost card liability: In the unfortunate event of losing your HDFC Bank Regalia Credit Card, on reporting it immediately to our 24-hour call center, you have zero liability on any fraudulent transactions made on your Credit Card. 
  • Foreign Currency Markup: 2% on all your foreign currency spends.​​​​​​​Revolving Credit: Enjoy Revolving Credit on your HDFC Bank Regalia Credit Card at a nominal interest rate.


Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Regalia Credit Card. Simply call us: toll-free at 1860 425 1188

Lounge Access:

A. Complimentary Airport Lounge Access in India

  • 12 complimentary access per calendar year within India (both at domestic and international terminals) using the HDFC Bank Regalia Credit Card
  • Swipe your Regalia credit card at the lounge to avail the complimentary lounge access
  • Visits exceeding the complimentary quota will be allowed at the discretion of the lounge and will also be chargeable by the lounge

B. Priority Pass 

  • You can apply for Priority Pass for yourself and add on members once you complete a minimum of 4 retail transactions on your HDFC Bank Regalia Credit Card.
  • Using Priority Pass, you and your add-on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. 
  • If you exceed the 6 Complimentary visits, you will be charged US $27 + GST per visit 

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India
(on minimum transaction of ₹400 and maximum transaction of ₹5000)

Good Food Trail Program

Enjoy amazing dining benefits with the Good Food Trail program

  • Get up to 20% savings on all your restaurant bill payments via Swiggy Dine out (20k+ restaurants) 
  • Offer inclusive of Restaurant and Swiggy Discount. Offer valid only on payments done via the Swiggy App.

Milestone Benefit

  • Earn Bonus 10,000 Reward Points when you spend INR 5 lakhs in the anniversary year.
  • Earn additional 5,000 Reward Points when you spend INR 8 lakhs spends in the anniversary year

Renewal Offer

Renewal fee waived off if you spend more than 3L in the previous year​​​​​​​

Smart EMI

HDFC Bank Regalia Credit Card comes with an option to convert your big spending into EMI after purchase.

Contactless Payment

  • The HDFC Bank Regalia Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets. 
  • To see if you’re Card is contactless, look for the contactless network symbol on your Card. 
  • Insurance/Comprehensive protection & Nominee details for Insurance
  • Accidental air death cover worth INR 1 Crore
  • Emergency overseas hospitalization: up to INR 15 lakhs​​​​​​​
  • Lost Card Liability Cover: Up to INR 9 lakhs      

Reward Points Accrual:

  • Earn 4 Reward Points on every INR150  retail* spends including Insurance, Utilities, and Education​
  • Earn 10,000 Reward Points on annual spending of INR 5 lakhs.
  • Earn additional 5,000 Reward Points on annual spends of INR 8 lakhs.

Reward Point Redemption:

You can redeem your Reward Points on Smart buy or Net banking.

Reward Points can be redeemed for:

  • Flights and hotel bookings via Smart Buy at a value of 1 RP = INR 0.5
  • Air miles conversion through net banking at a value of 1RP = 0.5 air mile
  • Products and Vouchers via Net banking or Smart Buy at a value of 1 RP = up to INR 0.35
  • Cashback at a value of 1 RP = INR 0.20

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