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HDFC Regalia Credit Card is among the most popular credit cards by HDFC Bank. The card charges an annual fee of Rs. 2,500 with easy waiver conditions and is best suited for frequent shoppers, travelers, and diners. Cardholders will also enjoy benefits under an excellent rewards program.
Best suited for
- REWARDS
- SHOPPING
- DINING
Fee
Annual Fee: ₹ 2500
Fee is 0 if spends within first 90 days = ₹40,000
Joining Fee: ₹ 2500
Highlights & Rewards 
Highlights
Rewards Value
Highlights- Earn 15,000 Reward Points on annual spends of ₹8,00,000 or more in each anniversary year
- Welcome bonus of 2500 reward points
- Earn 4 Reward Points for every ₹150 spent
- Complimentary Priority Pass Membership for access to 850+ airport lounges globally
Rewards Value- ₹150 = 4 Reward Points
- 1 Reward Point= ₹0.50
- Save upto ₹15299 on Annual Spend of ₹4 Lakh
Apply now for HDFC Regalia Credit Card
Find your perfect Credit Card
Best Suited For – Travel, Dining and Fuel
- Travel Concierge Assistance
- Exclusive Dining Privileges
- Fuel Surcharge Waiver
- Very Low Foreign Currency Markup Fee of 2%
Get HDFC Regalia Credit Card Now
*Offers are from Paisabazaar's partner Banks & NBFCs.
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Find Similar Credit Cards from Other Banks 
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- Enjoy 4 complimentary visits per year (limited to one complimentary visit per quarter) to airport lounges* across India
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Eligibility and Documentation
| Criteria | Details |
|---|---|
| Occupation | Salaried or Self-employed |
| Minimum Income for Salaried Applicants | Rs. 90,000 per month |
| Minimum Income for Self-employed Applicants | Rs. 1,00,000 per month |
| Serviceable Cities | Click here for the list of eligible cities |
Along with your application form, you should also submit valid proof of identity, address and income. Given below is the list of documents.
Features
- Airport Lounge Access
Enjoy access to 850+ airport lounges around the globe through complimentary Priority Pass Membership. Both primary and add-on cardholders can collectively avail the benefit for up to 6 times in a year.
- Dining Benefits
Get up to 40% discount on dining including some 5-star restaurants under HDFC Bank's Good Food Trail Dining Program
- Fuel Surcharge Waiver
Enjoy 1% surcharge on fuel purchases across all petrol pumps for transactions between Rs. 400 and Rs. 5,000.
- Air Accident Cover
Air accident cover of Rs. 1 Crore for the primary cardholder. It is applicable in case the cardholder sustains any air accident injury or suffers a bodily injury resulting in death within 12 months of the accident.
- Travel Concierge Assistance
Enrich your travel and hotel experience with Travel Concierge Assistance.
Watch this video
HDFC Regalia Credit Card is among the most popular cards by HDFC Bank. It offers benefits across multiple categories including dining, travel, shopping and more. Know more about this card through a short video.
Confused whether HDFC Regalia Credit Card is the right choice for you? Click here to read a detailed review of this credit card.
HDFC Regalia Credit Card is among the most popular cards by HDFC Bank. It offers benefits across multiple categories including dining, travel, shopping and more. Know more about this card through a short video.
Confused whether HDFC Regalia Credit Card is the right choice for you? Click here to read a detailed review of this credit card.
Benefits
Fee and Charges
| Title | Details |
|---|---|
| Annual Fee | Rs. 2,500 |
| Cash Advance Charges | 2.5% of amount withdrawn or Rs. 500 whichever is higher |
| Add-on Fee (per annum) | Nil |
| Overlimit Charges | 2.5% of overlimit amount, subject to a minimum of Rs. 500 |
| Railway Ticket Purchase Fee | 1.8% of the transaction amount + GST |
| Reissue of Lost, Stolen or Damaged Card | Rs. 100 |
| Payment Return Charges | 2% of Payment amount subject to a minimum of Rs. 450 |
| Cash Processing Fee | Rs. 100 (for all card payments made by depositing in HDFC Bank branches or ATMs) |
| Balance Transfer Processing Charges | 1% of BT amount or Rs. 250, whichever is higher |
| Late Payment Charges | For Statement Balance:
|
HDFC Card Customer Care Details
| Customer Care Number | 022-6160-6161(Toll Free) |
| Timings | 9:30 AM to 5:30 PM from Monday to Saturday |
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How to Apply for HDFC Bank Regalia Credit Card
One can apply for this credit card in a few easy steps:
- To start the application process, click here
- Fill the basic details in the given form such as Pincode, Occupation, Net monthly income, etc.
- Once the form is submitted, all eligible credit cards are displayed
- Filter the results for HDFC Bank credit cards. If you are eligible for Regalia card, it will be shown in the list
- Click on ‘Check Eligibility’ and enter the required information
- If you are eligible, you will be required to fill a detailed form and submit it
- Once you have successfully submitted the form, an executive from Paisabazaar will call you and ask a suitable time for the bank representative to collect documents from your home or office
- The bank will then scrutinize the documents provided and, if you qualify, you will get the card delivered at your address within 15 days
You can also apply directly from HDFC Bank’s website or by visiting the nearest HDFC branch.
FAQs
Who can apply for HDFC Regalia Credit Card?
All Indian nationals above the age of 21, whether salaried or self-employed, can apply for this credit card, provided that they meet the income criteria and other card-specific requirements.
What is the minimum income to be eligible for HDFC Regalia Credit Card?
For salaried individuals, the monthly income should be more than Rs. 1,20,000 and for the self-employed individuals, it is Rs.12 Lakh per annum.
How much GST will be applicable on my HDFC Regalia Credit Card?
GST will be levied at the rate of 18 per cent.
What benefits will I get with HDFC Regalia Credit Card?
You will get travel privileges, dining benefits along with financial benefits like fuel surcharge waiver. You will also get comprehensive insurance cover with the card.
How to Apply for HDFC Bank Regalia Credit Card?
You can apply for this credit card through Paisabazaar as well as directly through the bank.
How many reward points do I get on HDFC Regalia Credit Card transactions?
For retail purchases, you will get 4 reward points for every Rs. 150 spent on the card.
How do I get the complimentary Priority Pass Membership with HDFC Regalia Credit Card?
You have to complete 4 transactions in a statement within the first 90 days to be eligible for Priority Pass membership. Once you do that, a link will be sent to your registered number where you can apply for a Priority Pass.
What are EMV Chip Cards?
HDFC Regalia Credit Card is an EMV Chip enabled card. The chip makes your transactions more secure and saves you from counterfeiting.
Can HDFC Bank Chip cards be used as a normal Swipe card?
Yes, the magnetic strip is also present on the HDFC Regalia Card and hence it can be used as a normal swipe card
Compare HDFC Regalia with Similar Credit Cards from Other Banks
| Credit Card | Annual Fee | Reward Points | Net Savings |
| HDFC Regalia | Rs. 2,500 | Earn 15,000 Reward Points on spending Rs. 8 lakh or more in every anniversary year | Rs. 9,605*Rs. 15,299** |
| CitiBank PremierMiles | Rs. 3,000 | Earn 10,000 Air miles on spending Rs. 1,000 within 60 days of issuance | Rs. 11,616*Rs. 21,732** |
| SBI Card Prime | Rs. 2,999 | Earn 20 Reward Points on spending Rs. 100 on utility bills and 10 Reward Points on spending Rs. 100 on dining, groceries etc. | Rs. 10,337*Rs. 16,661** |
| American Express Platinum Travel | Rs. 5,000 | Earn Welcome Gift of 5,000 milestone bonus membership Reward Points | Rs. 8,520*Rs. 34,640** |
| SBI Card Elite | Rs. 4,999 | Earn up to 50,000 bonus reward points worth Rs. 12,500 and 5X Reward Points on dining, departmental stores etc. | Rs. 12,081*Rs. 20,661** |
*On spending Rs. 2 lakh annually
**On spending Rs. 4 lakh annually
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| MakeMyTrip ICICI Platinum Credit Card | NIL | Lemon Tree Hotel Vouchers worth Rs. 2,000 as joining gift; Get complimentary MMT Black Membership | 3.3/5 |
| YES First Preferred Credit Card | Nil | Avail 3 Domestic Airport Lounge visits per quarter; Earn 20,000 Reward Points on spending Rs. 7.5 lakh | N/A |