HDFC Bank Regalia Credit Card Review

HDFC Regalia Credit Card is compatible to the premium lifestyle and provides maximum luxury and travel benefits.  The card is packed with numerous benefits such as lounge access, welcome benefit and many more. So, if you are looking for a card to help you in terms of luxury then you must go for it.

hdfc regalia credit card

Main Features of HDFC Regalia Credit Card

  • First year and Renewal Membership Fee: Rs. 2500/- + Applicable Taxes
  • Spend Rs. 3 lacs in 12 Months and get Renewal Fee waived for next renewal year.
  • Foreign Exchange Markup fee: 2 %
  • Reward Rate: ~1.3 %
  • Interest Rate:49 % per month
  • Credit Shield: 9 Lacs
  • 1 Reward Point is equal to Rs. 0.50 

Welcome Benefit  and Features of HDFC Regalia Credit Card

  • Card holders get a welcome gift of 2,500 Reward Points.

Renewal Benefit

  • 2,500 Reward Points (Applicable only after the membership fee is realized and not applicable when the fee is waived off).

Annual Spends Benefit 

  • Earn 15,000 Reward Points on annual spends of Rs. 8 Lacs or more in each anniversary year.
  • 10,000 Reward Points on annual spends of Rs. 5 Lacs or more in each anniversary year.
  • Additional 5,000 Reward Points when you achieve Rs 8 Lacs in the same anniversary year.
  • If you spend 8 Lacs in a year, you can get reward rate as good as 2.2 %.
  • Reward points are valid only for 2 years from the date of accumulation.

Rewards Points

  • Earn 4 Reward Points for every 150 spent.
  • 1 Reward Point = Rs. 0.50

Rewards Points Redemption

  • Accumulate and redeem Reward Points for Travel bookings on SmartBuy.
  • You also get exciting gifts from an exclusive rewards catalogue by using HDFC Regalia Credit Card.
  • Convert Reward Points into AirMiles of leading international and domestic airlines.

* Reward points will not be accrued for fuel transactions.

Airport Lounge Access

Access via Priority Pass Membership

  • You get a complimentary Priority Pass Membership for preferential access to over 1000+ airport lounges all across the world.
  • Enjoy 6 complimentary access to Priority Pass lounges outside India in a calendar year. (shared between Primary & Add-on cards)
  • For the List of lounges visit

Access via Visa / Mastercard Lounge Access Program

  • Avail 12 complimentary lounge access per calendar year.
  • To know more about VISA lounge program click here.
  • To know more about Mastercard lounge program  click here.

Exclusive Dining Privileges

  • Experience the Good Food Trail Dining program at premium restaurants across top cities. click Here for discovering the privileges.

Complimentary Zomato Gold Membership

Regalia card holders enjoy complimentary Zomato Gold Membership that provides special privileges such as:

  • Up to two complimentary drinks every time you dine at or hit the bar at more than 4000 partner restaurants across India.
  • For the list of participating restaurants across top cities in India visit
  • The Membership is applicable for Primary Card holder only and it has 1 Year Validity.

Fuel Surcharge Waiver

  • Convenience fee waiver of 1 % on all fuel transactions.
  • The waiver on convenience fee is valid only for fuel transactions between Rs. 400 – Rs. 5000.

Travel Concierge Services

  • Customize your travel and entertainment experiences with Travel Concierge Assistance, which are accessible 24X7.

Comprehensive protection

  • Air Accidental death:In case of death in an Air accident, your nominated kin will get a compensation of Rs. 1 crore. Click Here to update your nominee details.
  • Emergency Overseas Hospitalization: Get protection worth up to Rs. 15 lacs against any medical emergency when you are travelling or are outside your home country.
  • Credit liability cover: Cover of up to Rs. 9 Lacs.
  • All the above insurance covers are accessible to the Primary card holder.
  • Maximum Trip Duration is limited to 30 Days.

Thus, HDFC Regalia Credit Card is one of the superb cards and give excellent offers. As compare to HDFC Regalia First Credit Card this card offers more benefits to cardholders in terms of annual savings, reward points, complimentary lounge access, dining and lot more.

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