MyFinCards
Doctor's Regalia Credit Card

Joining Fee

₹2,500

Annual Fee

Rs. 2500 (Reversed on annual spends of Rs. 3 Lakhs)

Forex Markup

2% + GST

INTERNATIONAL
HDFC Bank
Rewards
Travel
Lifestyle
Best For: Medical professionals seeking premium lifestyle and travel benefits, Doctors wanting professional indemnity insurance coverage, Frequent travelers looking for lounge access

Doctor's Regalia Credit Card

Rewards Structure

Base Reward Rate

2.67% on spends

Point Value

1 Point = ₹0.5

Points Validity

24 Months

Pros

  • Low 2% foreign currency markup
  • Professional indemnity insurance up to ₹20 Lakh specifically for doctors
  • 12 complimentary domestic lounge visits per year
  • Renewal fee waiver on spending ₹3 Lakhs
  • Comprehensive insurance coverage including ₹1 Crore accidental air death cover
  • Reward points on Insurance, Utilities, Education and Rent Pay

Cons

  • Card sourcing has been stopped; not available for new applicants
  • Reward points not accrued for fuel transactions
  • Reward points expire after 2 years
  • EasyEMI and e-wallet loading transactions do not accrue reward points
  • Priority Pass charges applicable within India

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Insurance reward points capped at 2,000 per day

Priority Pass lounge visits in India attract charges

Reward points nullified if card not used for more than 365 days

SmartEMI conversion reverses accrued reward points

Card may be cancelled after 6 months of inactivity

Key Benefits & Features

Welcome benefit of 2500 Reward Points and renewal benefit of 2500 Reward Points on fee realisation

Eligibility Criteria

Occupation

SALARIED

Required Documents

IDENTITY Proof

Aadhaar Card
PAN Card

ADDRESS Proof

Utility Bills
Passport

INCOME Proof

Salary Slips
Income Tax Returns

Notable Exclusions

No reward points on fuel transactionsNo reward points on EasyEMI transactionsNo reward points on e-wallet loading transactionsReward points reversed if retail transaction is converted to SmartEMIReward points for Insurance transactions capped at 2,000 per day

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Doctor's Regalia Credit Card

The Doctor's Regalia Credit Card is an exclusive premium credit card from HDFC Bank, designed specifically for medical professionals. Tailored to meet the unique lifestyle and professional needs of doctors, this card combines world-class travel privileges, rewarding benefits, and specialized insurance coverage into one comprehensive offering. Please note that new sourcing of this card has been discontinued, though existing cardholders continue to enjoy its full suite of benefits. On the travel front, cardholders receive 12 complimentary airport lounge visits per calendar year within India, along with Priority Pass membership that unlocks up to 6 complimentary international lounge accesses annually. The card earns 4 reward points for every ₹150 spent across retail categories including insurance, utilities, education, and rent, with points redeemable against flight bookings, hotel stays, premium products, and curated global experiences. Dining benefits include exclusive Dineout Passport membership with flat 25% off at over 2,000 premium restaurants. What truly distinguishes this card is its professional indemnity insurance, providing coverage of up to ₹20 lakh against claims arising from professional negligence, including legal and defence costs. Additional protections include accidental air death cover of ₹1 crore, emergency overseas hospitalization coverage up to ₹15 lakh, and a credit liability cover of up to ₹9 lakh. The joining and annual fee is ₹2,500, with a fee waiver available upon spending ₹3 lakh within 12 months.

Expert Review

Our Verdict

Premium credit card for doctors with travel perks, professional indemnity insurance, and a strong rewards program.

Frequently Asked QuestionsAbout Doctor's Regalia Credit Card

OTHERWhat is the Doctor's Regalia Credit Card?
The Doctor's Regalia Credit Card is an exclusive premium credit card designed specifically for doctors, offered by HDFC Bank on the Visa network. It offers luxurious travel privileges, exclusive benefits tailored for medical professionals, a best-in-class rewards program, professional indemnity insurance, and comprehensive insurance coverage. Please note that sourcing of this card has been stopped and it is no longer available for new applicants. Existing cardholders will continue to enjoy all the benefits.
APPLICATIONIs the Doctor's Regalia Credit Card still available for new applicants?
No, the sourcing of the Doctor's Regalia Credit Card has been stopped. It is no longer available for new applicants. However, existing customers of this card will continue to enjoy all the benefits and features associated with the card without any disruption.
DOCUMENTSWhat documents are required to apply for the Doctor's Regalia Credit Card?
The documents required to apply for the Doctor's Regalia Credit Card include identity proof (such as Aadhaar card and PAN card), address proof (such as utility bills or passport), and income proof (such as salary slips or income tax returns). Additional documentation specific to medical professionals may also be required during the application process.
FEESWhat are the joining and annual fees for the Doctor's Regalia Credit Card?
The Doctor's Regalia Credit Card has a joining fee of ₹2,500 plus applicable taxes and an annual renewal fee of ₹2,500 plus applicable taxes. A welcome benefit of 2,500 Reward Points and a renewal benefit of 2,500 Reward Points are provided, applicable only after the membership fee is realised. The renewal fee is waived if you spend ₹3 Lakhs within 12 months in the anniversary year.
FEESHow can I get the renewal fee waived on my Doctor's Regalia Credit Card?
You can get the renewal membership fee waived for the next renewal year by spending ₹3 Lakhs within 12 months of your card anniversary year. This spend-based fee waiver helps you save ₹2,500 plus applicable taxes on the annual renewal fee. Note that the welcome and renewal benefit reward points are not applicable when the fee is waived off.
BENEFITSWhat are the airport lounge access benefits of the Doctor's Regalia Credit Card?
The Doctor's Regalia Credit Card offers 12 complimentary lounge accesses per calendar year within India at both domestic and international terminals. You can also apply for a Priority Pass for yourself and add-on members after completing a minimum of 4 retail transactions, which provides up to 6 complimentary lounge accesses per calendar year outside India. Visits exceeding the complimentary quota outside India will be charged at US $27 + GST per visit. Note that Priority Pass usage within India attracts charges.
REWARDSHow does the rewards program work on the Doctor's Regalia Credit Card?
You earn 4 Reward Points for every ₹150 spent on all retail purchases, including Insurance, Utilities, Education, and Rent Pay. Reward points can be redeemed for flight and hotel bookings, premium products and vouchers, and curated global experiences. For flight and hotel bookings, you can redeem up to 70% of the booking value through Reward Points, with the rest paid via the credit card. Each Reward Point is worth 50 paise when redeemed on the exclusive Regalia travel portal.
REWARDSWhat transactions do not earn reward points on the Doctor's Regalia Credit Card?
Reward points are not accrued for fuel transactions, EasyEMI transactions, and e-wallet loading transactions. Additionally, reward points accrued for a retail transaction will be reversed if that transaction is later converted into SmartEMI. If the card is not used for more than 365 days, all accrued reward points will be nullified. Reward points accrued for Insurance transactions have a maximum cap of 2,000 per day.
REWARDSWhen do the reward points on the Doctor's Regalia Credit Card expire?
Reward points on the Doctor's Regalia Credit Card are valid for 2 years from the date of accumulation. For example, if you received reward points in April 2023, they will expire in April 2025. Additionally, if the card remains unused for more than 365 consecutive days, all accrued reward points will be nullified. It is advisable to redeem your points before they expire.
BENEFITSWhat insurance benefits does the Doctor's Regalia Credit Card offer?
The Doctor's Regalia Credit Card offers comprehensive insurance coverage including: Professional Indemnity Insurance up to ₹20 Lakh protecting against costs arising from professional negligence (covering bodily injury/death of patients caused by error, omission, or negligence); Accidental Air Death Cover of ₹1 Crore; Emergency Overseas Hospitalisation cover up to ₹15 Lakhs; and Credit Liability Cover up to ₹9,00,000. The professional indemnity cover has a per-accident limit of ₹4 Lakh with a deductible of ₹25,000 per claim.
INTERNATIONALWhat is the foreign currency markup fee on the Doctor's Regalia Credit Card?
The Doctor's Regalia Credit Card charges a foreign currency markup of 2% on all foreign currency spends. This is a relatively competitive rate compared to the standard 3.5% charged by many other credit cards, making it a good option for doctors who travel internationally. This low forex markup helps you save on international transactions and overseas purchases.
OTHERWhat is the credit limit of the Doctor's Regalia Credit Card?
The credit limit for the Doctor's Regalia Credit Card is determined based on various factors such as your income, credit history, and repayment capacity. Eligible individuals can enjoy a high credit limit tailored to their specific financial profile and needs. For exact details on your assigned credit limit, you can check through HDFC Bank NetBanking, the MyCards app, or by contacting HDFC Bank customer care.
REWARDSWhat are the bonus reward points benefits for high spenders on the Doctor's Regalia Credit Card?
The Doctor's Regalia Credit Card offers attractive bonus reward points for high spenders. You can earn a bonus of 10,000 Reward Points when you spend ₹5 Lakhs in an anniversary year. Additionally, you earn an extra 5,000 Reward Points when your spending reaches ₹8 Lakhs in the same anniversary year. These milestone bonuses are over and above the regular 4 reward points earned per ₹150 spent.
BENEFITSDoes the Doctor's Regalia Credit Card offer a fuel surcharge waiver?
Yes, the Doctor's Regalia Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000. However, please note that fuel transactions do not accrue reward points. This waiver can help you save on fuel costs with every eligible transaction at petrol pumps nationwide.
BENEFITSWhat dining benefits does the Doctor's Regalia Credit Card offer?
The Doctor's Regalia Credit Card offers exclusive dining privileges including a complimentary Dineout Passport Membership with an assured flat 25% off at 2,000+ premium restaurants and a 1+1 offer on buffets at 200+ restaurants. Additional dining benefits include an extra 5% off and zero convenience fees, along with early access to dining events and festivals such as Gourmetlicious. Note that Dineout Passport Membership benefits are subject to applicable terms and conditions.

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