- Joining fee
Rs. 2,500 + GST
- Annual fee
Rs. 2,500 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
4 reward points every time one spends Rs. 150.
- Welcome benefits
2,500 bonus Reward points
- Reward redemption
1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 if you want to redeem against vouchers and poducts, 1 RP = Rs 0.20 for cash back, and Air miles conversion at a value of 1RP = 0.5 air mile.
Benefits
- Movie & dining
Get up to 20% off on partner restaurants via Swiggy Dineout only when the payment is made through the Swiggy application.
- Travel
Complimentary Domestic and International Lounge Access. You get travel-related insurance benefits as well.
- Domestic lounge
8 free airport lounge access per year within India.
- International lounge
6 airport lounge access every year outside India through the Priority Pass.
- Insurance
Insurance cover worth Rs. 1 Crore against accidental air death and coverage of up to Rs. 15 lakhs against emergency hospitalization for overseas treatment.
Fees & charges
- Spend-based waiver
Get the annual fee waived off (second-year onwards) by spending more than 3 lakh in the previous year.
- Rewards redemption fee
Rs 99 (plus applicable taxes)
- Foreign currency markup
2% on all foreign currency transactions.
- Interest rates
3.6% per month or 43.2% annually
- Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.
- Cash advance charges
2.5% of the transaction amount or Rs. 500 (whichever is higher)
Product highlights
- Welcome bonus of 2,500 Reward Points.
- 4 Reward Points on every Rs. 150 you spend on retail.
- Earn a total of 15,000 bonus Reward Points on spending Rs. 8 lakhs in an anniversary year.
- Get up to 20% off on partner restaurants via Swiggy Dineout
- Complimentary membership to the Priority Pass program.
- 6 complimentary Lounge Access at airports outside India and 12 within India.
- Low international transaction charges of 2%.
- Renewal fee waived off on spending over 3 lakhs in the previous year.
- 1% fuel surcharge waiver capped at a maximum Rs. 500 per month
- Travel insurance benefit in case air accident worth up to Rs. 1 crore.
Pros & cons
Pros
- Bonus reward points as welcome benefit and a high reward rate
- Low forex markup fee of 2%
- Complimentary domestic and international lounge access with Priority Pass membership
Cons
- Regalia Gold charges a similar joining fee and has better benefits and redemption options
- Several spend categories are excluded from earning reward points and points expire after 2 years from accrual date.
Eligibility
| Criteria | Salaried | Self-employed |
|---|---|---|
| Age | 21 years to 60 Years | 21 years to 65 Years |
| Income | Minimum Rs. 1 Lakhs per annum | Minimum Rs. 12 Lakhs per annum |
FAQs
What is the value of HDFC regalia reward points?
1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 for redemption against products and vouchers, 1 RP = Rs 0.20 for cash, and Air miles conversion at a value of 1RP = 0.5 air mile.
Is HDFC Bank Regalia credit card international?
Yes, the HDFC Regalia Credit Card can be used internationally. It also comes with a low forex markup fee of 2% only.
How to redeem HDFC Regalia Card reward points?
You can redeem HDFC Regalia Reward Points by following a few steps as mentioned below: Login to your Internet Banking account and go to the ‘Credit Cards’ section. Register your card for online banking if not already done. Find and select the option ‘Redeem Reward Points.’ Select the Regalia Credit Card and continue. Choose the category and add your items to the cart. Continue & redeem your points.
How to get HDFC Bank Regalia Credit Card?
To get the this card, you will have to apply online or offline for the same. You can apply for HDFC Regalia Credit Card online by following these simple steps: Visting the official website of HDFC bank. Under the section ‘Personal,’ select ‘Pay.’ Click on ‘Cards.’ Select ‘Credit Card.’ Click on HDFC Bank Regalia Credit Card and apply online. You can also apply offline for the HDFC Regalia card by visiting your nearest HDFC Bank branch.
Is lounge access free with HDFC regalia credit card?
Yes, you get 8 complimentary domestic lounge access and 6 complimentary international lounge access with the HDFC Regalia card.
How to activate the HDFC bank Regalia Credit Card?
To activate your HDFC Regalia Credit Card, you can choose one of the following ways: Through Net Banking – You can easily activate your HDFC Regalia Credit Card by logging into your net banking account. Just find and select the ‘credit cards’ section and choose ‘Generate Credit Card PIN.’ Through ATM – You can also activate your Regalia credit card on your nearest HDFC Bank ATM by choosing the ‘Create new PIN option.’ Enter the OTP you have received on your registered mobile number and activate your card by creating the PIN. Through the PIN sent by the bank – After successful approval of your application, the HDFC Bank sends a 4-digit PIN along with your credit card. You can use this PIN for the first time to activate your card and change it after that for security purposes.
What is the limit of the HDFC Bank Regalia Card?
The HDFC Bank Regalia Credit card’s credit limit generally lies between Rs. 2 to Rs. 5 lakhs.
How to get priority pass through HDFC Regalia card?
You can apply for the Priority Pass after completing 4 successful retail transactions using your HDFC Bank Regalia credit card.
What is HDFC Regalia Credit Card customer care number?
For queries related to HDFC cards, including the Regalia Credit card, you can contact customer care by calling their 24*7 helpline number: 1800 266 4332.
Is HDFC Regalia Credit Card lifetime free?
No, the HDFC Bank Regalia Credit Card is not free. It comes with an annual fee of Rs. 2,500.