HDFC Bank Regalia Credit Card
HDFC · VISA★ 4.3/ 5
✓ Details last verified 1 Jan 2026
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹2,500 in vouchers, points or cashback on card activation
2.67% on Travel
4 reward points per ₹150 on travel
2.67% on Dining
4 reward points per ₹150 on dining
Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹2,500/yr fully waived when you spend ₹3,00,000/year
Insurance Cover
Air accident cover, travel insurance on purchased tickets
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
Priority Pass
International lounges
₹8,000
Estimated annual value
2%
Forex markup
1.3%
Travel reward rate
- Domestic + international airport lounge access (8 visits/yr, worth ~₹8,000)
- Low forex markup: 2.0%
- Travel insurance cover included
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
- Travel insurance and accident cover
HDFC Regalia is the original premium card that launched HDFC's travel rewards franchise. 4 reward points per ₹150 (1.33% at SmartBuy value), Priority Pass membership with 9 complimentary lounge visits per year, and annual fee waived at ₹3L spend. Millions of Indians hold this card — it was the benchmark Indian travel card of the 2010s and remains widely held as a primary card.
Who is this for?
Existing Regalia holders upgrading to a rewards programme, or salaried professionals who want Priority Pass lounge access at a ₹2,500 fee that is realistically waived. If you can qualify for Regalia Gold, the Gold earns more — but Regalia is still a solid card if offered by your bank.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.30 (up to ₹1.00 via best route). How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 2.67% | — |
| Dining | reward points | 2.67% | — |
| Other | reward points | 2.67% | — |
Travel: 4 reward points per ₹150 on travel
Dining: 4 reward points per ₹150 on dining
Other: 4 reward points per ₹150 on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
Priority Pass + domestic lounge access; 9 complimentary visits/year
1% fuel surcharge waiver at all fuel stations
Air accident cover, travel insurance on purchased tickets
Should you get it?
- Best for: Existing Regalia holders who are satisfied and have no reason to switch, Salaried professionals at ₹1L+/month who qualify but prefer Regalia brand over Gold
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Travel (2.67% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- Priority Pass membership — 9 complimentary lounge visits/year
- Annual fee waived at ₹3L spend — achievable for most professionals
- 4 RP/₹150 = 1.33% at SmartBuy value on travel and hotels
- 1% fuel surcharge waiver + air accident insurance
Cons
- Superseded by Regalia Gold on every reward metric
- Priority Pass visits capped at 9/year — frequent flyers will exceed this
- 2% forex markup
Eligibility & documents
What your hdfc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard catalogue & cashback
Up to ₹0.50/pt on travel via SmartBuy
Premium cards (Infinia/Diners Black) — best value
✈ TRANSFER PARTNERS
The concern
Regalia Gold supersedes it on every metric: 5 RP vs 4 RP, better lounge terms, same fee and waiver. If you are applying fresh, go Gold.
Bottomline
CardAdvisor Rating: 4.3 / 5HDFC Regalia set the standard for Indian travel cards a decade ago. The Gold version outperforms it on rewards, but millions of Regalia holders have no reason to cancel — it's still a dependable, well-recognised card.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HDFC Bank Regalia Credit Card are taken from HDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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