HDFC Regalia Credit Card is well-suited to the premium lifestyle. The card offers maximum luxury and travel benefits and also gives high reward points on every purchase. Let us learn more about this credit card.
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HDFC Regalia Credit Card- Features
Welcome Bonus – Get 2,500 reward points and welcome bonus
Airport Lounge Access – Enjoy access to 850+ airport lounges around the globe through Priority Pass Membership
Dining Benefits – Get up to 40% discount on fine dining including some 5-star restaurants
Reward Points – Earn 4 Reward Points for every Rs.150 spent. Value of 1 reward point is equal to Rs. 0.75. Redeem your rewards against an exciting range of merchandise and gift vouchers
Fuel Surcharge Waiver – Enjoy 0% surcharge on fuel purchases across all petrol pumps
Travel Concierge Assistance – Enrich your travel and hotel experience with Travel Concierge Assistance
Lowest Foreign Currency Markup Fee – 2% on all foreign currency spends
50 Days of Interest-Free Credit – Pay only the minimum amount due and carry forward the balance amount to next month at an extremely low-interest charge
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
Zomato Gold Membership –Â Users get 1 complimentary dish and up to 2 free drinks every time they drink or dine at partner restaurants. Offer is valid for one year only
Medical Insurance Cover – Medical cover of Rs.15 Lakhs against any medical emergency while travelling outside your home country
HDFC Regalia Credit Card- Fees and Charges
The table given below shows fees and charges related to HDFC Regalia credit card-
| Type of Fee/Charge | Amount |
| Annual Fee | Rs.2,500 |
| Cash Advance Charges | 2.5% of amount withdrawn or Rs. 500 whichever is higher |
| Add-on Card Fee | 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 HDFCÂ Bank branches or ATMs) |
| Balance Transfer Processing Charges | 1% of BT amount or Rs. 250, whichever is higher |
| Late Payment Charges | For Statement Balance:
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HDFC Bank Regalia Credit Card- Eligibility Criteria
An applicant should fulfil the following requirements to be eligible for this credit card:
- Indian nationals or Non-resident Indian can apply for this card
- The applicant must be more than 21 years while the maximum age is 60 years in case of a salaried individual
- In case of a self-employed applicant, the maximum age requirement is capped at 65 years
- Key documents such as identity proof, residence proof and income proof are required for verification by HDFC Bank at a later stage
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.
HDFC Regalia Credit Card 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.
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.
What is the membership fee for HDFC Regalia Credit Card?
The first year membership fee is Rs.2,500 exclusive of the taxes.
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 waive-off. 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 by going to Paisabazaar’s credit card section.
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. Flight bookings and dining spends will give you 8 reward point on Rs.150.
How do I get my complimentary Priority Pass Membership?
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 Different Premium Credit Cards by Other Banks
| Credit Card | Â 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.3000 | Earn 10,000 Air miles on spending Rs.1000 within 60 days of issuance | Rs.11,616* Rs.21,732** |
| SBI Card Prime | Rs.2999 | 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.5000 | Earn Welcome Gift of 5000 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
Other Travel Credit Cards
People also looked for the following travel credit cards:
| Credit Card | Annual Fee | Key Feature | Paisabazaar Rating |
Rs.4,999 | Complimentary Membership to Air India Frequent Flying Program Earn 4 Reward Points on every Rs.100 spent | 3.6/5 | |
Rs.3,000 | Access to International Airport Lounges Enjoy Complimentary Golf Game once a year | 3.7/5 | |
NIL | Lemon Tree Hotel Vouchers worth Rs. 2000 as joining gift Get complimentary MMT Black Membership | 3.3/5 | |
Rs.2,500 | Avail 3 Domestic Airport Lounge visits per quarter Earn 20,000 Reward Points on spending Rs.7.5 lakh | N/A |
