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  • HDFC Regalia Credit Card
    • Image of HDFC Regalia Credit Card
    HDFC Bank

    HDFC Regalia Credit Card

    cat name Travel
    cat name Shopping
    cat name Rewards
    3.0/5.0

    Travel3.0/5

    Rewards3.0/5

    Milestone Benefits3.0/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹2,500* Plus Applicable Taxes

    Rewards

    Rewards

    4 reward points per Rs. 150 on all retail spends

    Lounge Access

    Lounge Access

    Domestic & International Lounge Access

    Forex Mark-up Fee

    Forex Mark-up Fee

    Preferential forex mark-up fee of 2%

    Updated on December 31, 2025 6:17 pm

    Author: Rupanshi Thapa

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    About The CardReward DetailsOther Features & BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About HDFC Regalia Credit Card

    Regalia has been one of India’s most popular all-round credit cards from HDFC Bank for well over a decade now. One of the USP’s behind Regalia’s longevity is a good reward rate for a low annual fee, coupled with good travel benefits. The entry of HDFC Regalia Gold may have made the original Regalia slightly less attractive, but it remains a decent option for certain segment of consumers.

    With a reward-earning rate of 2.66% and 2:1 redemption ratio for air miles and flights and hotel bookings (via SmartBuy), HDFC Regalia Credit Card holds good value for those looking for all-round benefits, especially on travel, without paying a high annual fee. Regalia users can make full use of the reward program by redeeming rewards to save on their travel expenses.

    To maximize benefits, cardholders can also utilize the lounge access and low forex mark-up benefit. Though the domestic airport lounge program on Regalia Credit Card is impressive, it can be availed only on reaching the quarterly milestone of Rs. 1 Lakh. However, there is no such condition on the international lounge access for primary and add-on cardholders.

    Note: This credit card has been phased out. Content on this page is for information purpose only.

    While HDFC Bank is no longer accepting applications for Regalia Credit Card, existing cardholders can continue using the card if they are high-spenders, travel frequently and do not wish to limit their benefits to a particular brand. However, those who wish to save on a particular brand/category or those who are loyal to an airline, hotel or a travel portal, can consider applying for co-branded cards or cards focused on specific categories.

    Rewards Program and Milestone Benefits

    With HDFC Regalia Credit Card, consumers can get up to 1.33% back as reward points. Reward earning and redemption rates are shown below:

    • Earn 4 reward points on every Rs. 150 spent across retail spends including insurance
    • 1 reward point = Rs. 0.5 for flights and hotel bookings via Smartbuy
    • 1 reward point = 0.5 air mile when converting to air miles through Netbanking
    • 1 reward point = Up to Rs. 0.35 on redeeming against products and vouchers via Netbanking or Smartbuy
    • 1 reward point = Rs. 0.20 on redemption against cashback

    Milestone Benefits:

    • 10,000 bonus reward points on spending Rs. 5 Lakh in an anniversary year
    • Additional 5,000 reward points on spending Rs. 8 Lakh in an anniversary year

    Also Read: Best credit cards in India 2026

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    Image of null

    Other Features and Benefits

    Apart from rewards, HDFC Regalia Credit Cardholders also get the following benefits:

    Lounge Access:

    • 8 complimentary visits to airport lounges per calendar year, 2 in a quarter, on spending Rs. 1 Lakh or more in a calendar quarter
    • Complimentary Priority Pass membership1 with 6 complimentary lounge access in a calendar year, outside India2
    • One add-on member is also allowed with Priority Pass membership

    Also Read: Airport Lounge Access Credit Cards

    Low Foreign Currency Mark-up Fee

    • Low foreign currency mark-up fee of 2% on your transactions
    View More

    Which is better: HDFC Regalia or HDFC Regalia Gold?

    Both cards come at a similar base reward rate, but Gold has an edge over the regular Regalia, due to its accelerated rewards on popular brands like Myntra, Marks and Spencer, Nykaa and Reliance Digital. This marks Regalia Gold as a better variant for these brand’s loyalists. Better rewards also encourage more strategic spending which could help users meet a comparatively higher annual fee waiver of Rs. 4 Lakh. HDFC Regalia offers bonus reward points as annual milestone benefits, whereas HDFC Regalia Gold provides flight vouchers. Thus, Regalia can be a suitable option for those who like utilizing the rewards at their own discretion around shopping, travel, air miles, or cashback. However, for frequent travelers, Regalia Gold can be a good option, as the flight vouchers can be well utilized in booking airline tickets.

    HDFC Regalia Credit Card:Fees and Charges

    Particulars Amount
    Joining Fee Rs. 2,500
    Annual Fee Rs. 2,500
    Finance Charges 3.75% p.m. (45% p.a.)
    Late Payment Charges
    For Statement Balance:
    Up to Rs. 100: Nil
    Rs. 101 to Rs. 500: Rs. 100
    Rs. 501 to Rs. 1,000: Rs. 500
    Rs. 1,001 to Rs. 5,000: Rs. 600
    Rs. 5,001 to Rs. 10,000: Rs. 750
    Rs. 10,001 to Rs. 25,000: Rs. 900
    Rs. 25,001 to Rs. 50,000: Rs. 1,100
    More than Rs. 50,000: Rs. 1,300

    Things to Know Before you apply

    Continue using HDFC Regalia Credit Card if:

    You are a high-spender and can maximize the card’s rewards program and milestone benefits

    You travel often and benefits like air mile conversion, lounge access and low forex mark-up fee would help you save a lot

    You want all-round benefits across multiple categories like shopping, travel, dining, etc. instead of category-focused or brand-focused benefits

    Cards Similar to HDFC Regalia

    HDFC Regalia Gold

    Paisabazaar Review

    Overall Rating

    3.0/5

    Travel3.0/5

    Rewards3.0/5

    Milestone Benefits3.0/5

    What do we like about this card?

    The card offers multiple benefits, but primarily lets you save more on travel, and retail spends. This is a good option if you spend a lot via credit card as you can earn good reward points. Additionally, if you are a frequent traveller, then you can make the most of the benefits offered. With this credit card, you can avail complimentary international as well as domestic lounge access every year along with a low forex markup fee. Overall, HDFC Regalia Card is an ideal option if you want to avail premium benefits and are ready to pay a high annual fee.

    Pros

    • Good reward rate across all categories
    • Multiple redemption options
    • Complimentary lounge access
    • Low forex mark-up fee

    Cons

    • Lounge access is subject to reaching spend milestones
    • Spend threshold for milestone benefits is too high

    Conclusion

    If you are an existing user of HDFC Regalia Credit Card, you can continue using it, if you are able to maximize its rewards and other benefits. However, if you want category-specific or brand-specific benefits, consider upgrading to HDFC Regalia Gold or HDFC Diners Club Black, basis your eligibility.

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    Frequently Asked Questions

    Everything you need to know about this credit card

    HDFC Regalia Credit Card offers exceptional benefits around rewards and travel. With this card you get to earn 4 rewards on every Rs. 150 spent and up to 15,000 bonus reward points as milestone benefit. The earned rewards can be redeemed across flight and hotel bookings at Smartbuy, air miles conversion, products and vouchers and against cashback for up to Rs. 0.5/Up to 0.5 air miles for each reward point. Additionally, the card offers up to 6 complimentary international lounge access, 8 domestic airport lounge access and Priority Pass membership.

    HDFC Regalia and HDFC Regalia Gold come at a similar joining and annual fee of Rs. 2,500. However, Regalia Gold has a higher annual fee waiver criteria of Rs. 4 Lakh, in comparison to Rs. 3 Lakh required by Regalia. To find the better card amongst these, you must access your spending ability and preferences so that you can maximize benefits. HDFC Regalia Gold can be a better option for those who travel a lot, and want to own a single credit card with all round benefits like complimentary flight ticket vouchers as rewards, higher frequency on lounge access, low forex markup fee and travel memberships. The card also offers accelerated rewards on Marks & Spencers, Myntra, Reliance Digital & Nykaa. Thus, brand loyalists can easily utilize the benefits. HDFC Regalia on the other card is a suitable choice for those looking for maximum benefits in the rewards category, with features like bonus reward points, and high general reward rate not specific to any brand.

    You can redeem the accumulated reward points on your HDFC Regalia credit card via HDFC Smartbuy portal or Netbanking.

    Yes, the bank charges a fee of 2.5% of the withdrawn amount or a minimum of Rs. 500 (whichever is higher) for withdrawing cash via HDFC Regalia Credit Card. Therefore, it is advisable not to withdraw cash using your credit card as it can also impact your credit score.

    Yes, HDFC Regalia Credit Card offers complimentary airport lounge access within and outside India. You can avail 6 complimentary international lounge visits with Priority Pass for primary and add-on member and up to 8 complimentary domestic airport lounge visits in a year (2 per quarter subject to spending Rs. 1 lakh per quarter).

    HDFC Regalia cardholders can apply for Priority Pass membership only after completing 4 retail transactions via credit card. You can avail Priority Pass membership for yourself as well as for add-on card members. With this membership, you can avail 6 complimentary lounge access every calendar year at lounges outside India.

    You can check your credit card statement online by visiting the official website of HDFC Bank. All you need to do is log in to your account and go to ‘Cards’ and select the ‘Enquire’ option to view your statement. Apart from this, you can also use HDFC mobile banking app to download your billed statement.

    Yes, HDFC Regalia is a good option for availing travel benefits, as it offers features such as a low forex markup fee, access to international and domestic airport lounges, Priority Pass Membership and travel conceirge service. You can also check other travel credit cards in India, to find the right card for you.
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    Footnotes

    1. Cardholders who have completed a minimum of 4 retail transactions can apply for Priority Pass membership.
    2. After exceeding 6 complimentary visits, customers will be charged US $27 + GST per visit. Also, such transactions will not accrue reward points.

    Click here to know More Terms and Conditions

    Rupanshi Thapa linkedIn icon

    Content Writer

    Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.

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