HDFC Regalia Credit Card
HDFC Bank
Last updated: Feb 03, 2026
₹2,500
₹2,500
2%
10 visits/yr
Contents
HDFC Regalia is a premium travel-and-lifestyle credit card offering compelling rewards, airport lounge access and membership benefits. It suits frequent travellers and premium spenders who value lounge privileges and milestone rewards. The card combines reward points on retail spends with periodic milestone benefits and concierge-style privileges.
Features of HDFC Regalia Credit Card which makes it unique
Priority Lounge Access
Complimentary domestic and limited international lounge access
Comfortable transit experience for frequent travellers
Better than standard bank cards for travel perks
Milestone Vouchers
Periodic vouchers or bonus points on achieving spend milestones
Boosts value for higher spenders
Competitive milestone program among premium cards
Rewards Structure of HDFC Regalia Credit Card
Dining
acceleratedEligible restaurants and dining merchants
Higher earn rate on select dining and merchant partners.
Shopping
baseAll retail merchants
Standard earn rate for most retail spends.
Milestone Rewards
baseQuarterly or annual spend thresholds
Quarterly and annual milestone rewards and vouchers available.
Milestones of HDFC Regalia Credit Card
Quarterly Milestone
₹1,00,000 (per quarter / as specified) : Vouchers or bonus points (see bank T&Cs)
Annual Milestone
₹4,00,000 (annual threshold for fee waiver/benefits) : Fee waiver and flight/hotel vouchers depending on annual spends
Fees & Charges of HDFC Regalia Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,500 |
| Annual Fee | ₹2,500 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived on specified high annual spend thresholds (refer to bank T&Cs).
Fee Explanation Standard bank rates and fee schedules apply; consult the bank's Fees & Charges page for full details.
Detailed Explanation of HDFC Regalia Credit Card Fees
Joining / Annual Fee: ₹2,500 (yearly)
Joining/renewal fee applicable; voucher offered on payment as per bank T&Cs.
Foreign Currency Markup: 2% (transaction)
Applies on all foreign currency spends.
Cash Advance Fee: 2.5% (transaction)
Minimum amount and other conditions apply.
Lounge Access Benefits with HDFC Regalia Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Complimentary visits subject to swipe/quarterly spend rules and bank updates.
international Lounges
silverVisits per year: 2
Guest access: Yes
International lounge access via Priority Pass or partner programme where applicable.
Insurance Coverage with HDFC Regalia Credit Card
Travel Insurance
₹10,00,000Subject to terms when trip is booked using the card or as specified by bank.
Purchase Protection
₹50,000Protection for purchases within specified time window; see T&Cs.
Additional Features of HDFC Regalia Credit Card
Contactless Payments
Tap-and-pay enabled
Add-on Cards
Add-on cards available as per bank policy
Up to bank-specified limit for add-on cards.
Welcome Bonus with HDFC Regalia Credit Card
Welcome Bonus: Gift voucher
Bonus Conditions: Voucher issued on payment of joining fee. Club Vistara Silver and MMT Black memberships subject to meeting spend thresholds (see T&Cs).
Application Process for HDFC Regalia Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via HDFC Bank portal or partner channels
Upload KYC and income documents
Receive verification call from the bank
Card dispatched as per bank timelines
Required Documents for HDFC Regalia Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Regalia Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Regalia Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar documents and meet HDFC Bank's eligibility criteria.
How Approval Is Decided
- Minimum income (salaried) ₹30,000/month
- Indian resident with valid KYC
- Credit score generally above 700 (subject to bank underwriting)
Pros of HDFC Regalia Credit Card
- Premium travel and lounge benefits
- Welcome voucher on joining fee payment
- Meaningful milestone rewards for high spenders
Cons of HDFC Regalia Credit Card
- Joining/annual fee applicable
- Certain benefits require substantial spending to unlock
Frequently Asked Questions about HDFC Regalia Credit Card
Is there a joining fee?
Yes. A joining fee is applicable (₹2,500 as of the bank's published fees); a voucher may be offered on payment per T&Cs.
How do I get the annual fee waived?
Annual fee waiver or benefits are typically linked to high annual spends or membership conditions; see bank T&Cs for exact thresholds.
What is the foreign currency markup?
The foreign currency markup is 2% of the transaction value, as per the bank's published fees.
How many complimentary lounge visits are included?
Complimentary domestic and limited international lounge visits are provided subject to spend/swipe rules and partner programme terms; check the bank's lounge access list.
What documents are required to apply?
Valid PAN and Aadhaar are required along with income proof (payslip/Form 16) for salaried applicants; see application checklist for full details.
How long does application processing take?
Typical processing time is 5-7 business days after document verification.
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