By Bharti Bisht
Updated On September 20, 2021

Looking for a credit card with traveling & lifestyle benefits? If yes, you’ve come to the right place. The HDFC Regalia credit card comes with various travel and luxury rewards. With a joining fee of Rs 2,500, this card welcomes you with 2,500 bonus Reward Points. The card has several advantages across different categories such as lifestyle, travel, and dining. It is one of the most popular Credit cards by HDFC with all such benefits. To keep their promise of luxury & travel benefits, the HDFC Regalia credit card provides you with Complimentary Airport Lounge Access within India and outside as well. You earn 4 Reward Points on every Rs. 150 you spend using the card and these points can be redeemed against an array of categories with a value of up to Re. 0.5 per point. To know more about the HDFC Regalia credit card benefits, read the detailed information given below:

HDFC Bank Regalia Credit Card

Best Suited For

Travel | Shopping |

Joining Fee

Rs. 2,500 (plus applicable taxes)

Reward Type

Reward Points |

Product Details

  • Welcome bonus of 2,500 Reward Points.
  • 4 Reward Points on every Rs. 150 you spend.
  • Earn a total of 15,000 bonus Reward Points on spending Rs. 8 lakhs in an anniversary year.
  • Complimentary Dineout Passport Membership with your HDFC Bank Regalia Credit Card.
  • Complimentary Priority Pass membership.
  • 6 complimentary Airport Lounge Access outside India and 12 within India.
  • Low foreign currency markup fee of 2%.
  • Renewal fee waived off on spending over 3 lakhs in the previous year​​​​​​.
  • Travel insurance benefit in case air accident worth up to Rs. 1 crore.

Rewards and Benefits

Welcome Benefits

2,500 Reward points

Movie & Dining

Exclusive dine-out passport membership, 5% off additionally, and early access to several events and festivals.

Rewards Rate

4 reward points on every spend of Rs. 150.

Reward Redemption

1 RP = Rs. 0.5 for redemption against flights and hotel bookings on HDFC Smartbuy website, 1 RP = up to Rs. 0.35 for redemption against products and vouchers, 1 RP = Rs 0.20 for cash, and Air miles conversion at a value of 1RP = 0.5 air mile.

Travel

Complimentary Domestic and International Lounge Access. You get complimentary travel insurance as well.

Golf

N/A

Domestic Lounge

12 airport lounge access per year within India.

International Lounge

6 airport lounge access every year outside India through the priority pass.

Insurance Benefits

Insurance coverage worth Rs. 1 Crore on accidental air death and coverage worth Rs. 15 lakhs for emergency hospitalization for overseas treatment.

Zero Liability Protection

You get zero liability protection cover up to Rs 9 lacs in case of misuse or loss of card.

Fees & Charges

Joining Fee

Rs. 2,500 (plus applicable taxes)

Renewal Fee

Rs. 2,500 (plus applicable taxes)

Spend based Waiver

The renewal fee is waived off on spends of more than 3 lakh in the previous year.

Rewards Redemption Fee

Rs 99 (plus applicable taxes)

Rewards Redemption Fee

Rs 99 (plus applicable taxes)

Foreign Currency Markup

2% on all foreign currency spends.

Interest Rates

3.6% per month (43.2% per annum)

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.

Cash Advance Charge

2.5% of the transaction amount or Rs. 500 (whichever is higher)

Add-on Card Fee

Nil

HDFC Regalia Credit Card Reward Points:

  • On every retail spend of Rs. 150 spent, you get 4 Reward Points. You will not earn any reward points on Fuel, EasyEMI, wallet transactions.
  • Insurance transactions are subject to capping of  2000 per day
  • The reward points expire after 2 years from the date of accumulation.
  • If the transaction is converted to EMI, the reward points earned on that transaction would get reversed.
  • If the card isn’t used for 1 year, all the reward points earned would get nullified.

Rewards Redemption

  • The HDFC Regalia rewards can be redeemed on the HDFC Smartbuy website or through Netbanking.
  • 1 RP = Rs 0.5 for redemption against flights and hotel bookings,
  • 1 RP = Rs 0.35 for redemption against products and vouchers,
  • 1 RP = Rs 0.20 for cash backs, and Air miles conversion at a value of 1RP = 0.5 air mile.
  • The HDFC Bank charges a reward redemption fee of Rs. 99 on every redemption request.

Milestone Benefits

  • Assured 10,000 Reward Points on spending over Rs. 5 lakhs in the anniversary year.
  • An additional bonus of 5,000 Reward Points on spending over Rs. 8 lakhs in the anniversary year.

HDFC Bank Regalia Credit Card Travel Benefits

  • You get 12 exclusive complimentary airport lounge access within India including domestic as well as international terminals using your HDFC Regalia Card.
  • You get complimentary Priority Pass membership with 6 complimentary lounge visits outside India. All the visits post the complimentary visits will be chargeable at the US $27 per person per visit.
  • As soon as you complete a minimum of 4 retail transactions using your HDFC Regalia credit card, you can apply for the priority pass for yourself and add-on members.

Dining Benefits

  • On spending more than Rs. 75,000, the HDFC Bank Regalia credit card gives you exclusive dine-out passport membership including a flat 25% off at more than 2000 premium restaurants.
  • Get Buy 1 Get 1 offer in over 200 restaurants with 5% off and zero convenience charges.
  • Early access to several events and festivals.

Insurance Benefits

  • In case of accidental air death, a cover is provided worth Rs. 1 Crore.
  • Emergency hospitalization of up to Rs. 15 Lakhs is provided for overseas treatment.
  • These insurance benefits are available only for primary cardholders.

Fuel Surcharge Waiver

Other than all the reward points and lounge access benefits, the HDFC Regalia card also provides various other advantages such as a fuel surcharge waiver. 1% fuel surcharge is waived at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.

Low Foreign Markup fee

You get a low foreign markup fee of 2% on the foreign conversion amount. Typically banks charge around 3.5% on foreign conversion. With this credit card, you can save money on foreign transactions.

Joining and Renewal Fee Waiver

  • You also get a spend-based waiver on renewal fee on annual spends of Rs 3 lakhs or more in the previous year.
  • Condition to make your HDFC Regalia Credit Card lifetime free: Activate one of SmartPay or One Assist or General Insurance or Balance Transfer on your card within the first 90 days of card activation and renew every year (any one product and one bill through SmartPay or two products/two bills via SmartPay).

Eligibility Criteria For The HDFC Bank Regalia Credit Card

Salaried Employees Self-Employed Individuals
Age 21 years to 60 Years 21 years to 65 Years
Income Minimum Rs. 70,000 per month Minimum Rs. 8,40,000 per annum (as per ITR)

Conclusion

The HDFC Bank Regalia credit card is a stylish premium credit card that offers unique benefits and exciting travel perks. The 2,500 reward points you get on joining, can be used as Rs. 1,250 for travel/hotel bookings. Other than that, you keep earning these points on all your spends and can redeem them against products/categories of your choice. Apart from reward offers, this card also provides other exclusive benefits like airport lounge access, dining benefits, fuel surcharge waiver, insurance benefits, etc. So, choosing an HDFC Regalia credit card will never be a mistake if it suits your requirements. What do you think about HDFC Regalia credit card? Do write to us in the comments.

FAQs:

No, you can get reward points only for retail spending. Fuel transactions & EasyEMI transactions will not be eligible for the reward points.

If you spend Rs. 3 lakh or more than that in the previous year, your renewal fee will be waived off for the HDFC Bank Regalia Credit Card.

You can redeem HDFC Regalia Reward Points by following a few steps as mentioned below:

  • Login to your Internet Banking account and go to the ‘Credit Cards’ section.
  • Register your credit card for online banking if not already done.
  • Find and select the option ‘Redeem Reward Points.’
  • Select the Regalia Credit Card and continue.
  • Choose the category and add your items to the cart.
  • Continue & redeem your points.

To get the HDFC Regalia Credit Card, you will have to apply online or offline for the same. You can apply online by following these simple steps:

  • Visting the official website of HDFC bank.
  • Under the section ‘Personal,’ select ‘Pay.’
  • Click on ‘Cards.’
  • Select ‘Credit Card.’
  • Click on HDFC Bank Regalia Credit Card and apply online.

You can also apply offline for the HDFC Regalia card by visiting your nearest HDFC Bank branch.

Yes, you get 12 complimentary domestic lounge access and 6 complimentary international lounge access with the HDFC Regalia card.

To activate your HDFC Regalia Credit Card, you can choose one of the following ways:

  • Through Net Banking – You can easily activate your Regalia Credit Card by login into your net banking account. Just find and select the ‘credit cards’ section and choose ‘Generate Credit Card PIN.’
  • Through ATM – You can also activate your Regalia credit card on your nearest HDFC Bank ATM by choosing the ‘Create new PIN option.’ Enter the OTP you have received on your registered mobile number and activate your card by creating the PIN.
  • Through the PIN sent by the bank – After successful approval of your application, the HDFC Bank sends a 4-digit PIN along with your credit card. You can use this PIN for the first time to activate your card and change it after that for security purposes.

The limit of HDFC Bank Regalia Credit card generally lies between Rs. 2 to Rs. 5 lakhs.

You can apply for the Priority Pass after completing 4 successful retail transactions using your HDFC Regalia credit card.

For queries related to HDFC credit cards, including the Regalia Credit card, you can contact customer care by calling their 24*7 helpline number: 1800 266 4332.

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