MyFinCards
Regalia Activ HDFC Bank Credit Card

Joining Fee

₹2,500

Annual Fee

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

HDFC Bank
Rewards
Travel
Lifestyle
Best For: Frequent domestic and international travelers, High spenders seeking milestone rewards

Regalia Activ HDFC Bank Credit Card

Rewards Structure

Base Reward Rate

2.67% on spends

Point Value

1 Point = ₹0.5

Earning Cap

₹500 /monthly

Pros

  • 12 complimentary domestic lounge accesses per year
  • 6 international lounge accesses per year
  • Milestone bonus reward points up to 15,000 points
  • Annual fee waived on spends of ₹3 lakh or more
  • Comprehensive insurance benefits including ₹1 crore air accident cover
  • 1% fuel surcharge waiver across India

Cons

  • Card sourcing has been stopped; no new applications accepted
  • Joining/renewal fee of ₹2,500 plus taxes

Hidden Catches (Transparency Policy)

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

Lounge access requires swiping the credit card at the lounge

Fuel surcharge waiver applies only on transactions between ₹400 and ₹5,000

Milestone bonus points subject to T&C

Key Benefits & Features

Zero Lost Card Liability on reporting lost card immediately to 24-hour call centre

Notable Exclusions

No points on Fuel

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

Official Terms & Conditions

About Regalia Activ HDFC Bank Credit Card

The Regalia Activ HDFC Bank Credit Card is a premium lifestyle and travel credit card designed for individuals who seek meaningful rewards on their everyday and aspirational spending. With a joining and annual fee of Rs. 2,500, this card sits within HDFC Bank's respected Regalia family, a lineup recognized for delivering elevated experiences to discerning cardholders. The card is particularly well-suited for frequent domestic and international travelers as well as high spenders who value milestone-based reward structures. It falls under the Rewards, Travel, and Lifestyle categories, reflecting its broad appeal to those who want their spending to work harder across multiple areas of life. As part of the Regalia portfolio, it inherits the brand's reputation for premium benefits and curated privileges tailored to an aspirational lifestyle. Available through HDFC Bank's extensive digital and in-branch network, the Regalia Activ Credit Card can be managed conveniently through NetBanking, the HDFC Bank mobile app, and the dedicated Credit Card Portal. Cardholders can also access the SmartBuy platform and exclusive offers across travel, shopping, and dining. For those looking to combine active living with rewarding financial choices, the Regalia Activ card presents a compelling and well-rounded proposition.

Expert Review

Our Verdict

Premium lifestyle card with lounge access, milestone bonus points & travel insurance benefits.

Frequently Asked QuestionsAbout Regalia Activ HDFC Bank Credit Card

APPLICATIONIs the HDFC Bank Regalia Activ Credit Card still available for new applications?
No, the sourcing of the HDFC Bank Regalia Activ Credit Card has been stopped. New applications are no longer being accepted. However, existing customers who already hold this card will continue to enjoy all the benefits and features associated with the card without any disruption to their services.
FEESWhat is the joining and annual fee for the Regalia Activ Credit Card?
The joining and renewal membership fee for the HDFC Bank Regalia Activ Credit Card is ₹2,500 plus applicable taxes. However, the annual membership fee is waived off if you spend ₹3 lakh or more in the previous anniversary year. This makes the card effectively free for customers who meet the spending threshold.
BENEFITSHow many complimentary airport lounge accesses does the Regalia Activ Credit Card offer?
The HDFC Bank Regalia Activ Credit Card offers up to 12 complimentary airport lounge accesses within India per year, covering both domestic and international terminals. Additionally, cardholders get 6 complimentary lounge accesses outside India. To avail the complimentary lounge access within India, simply swipe your Regalia Activ Credit Card at the lounge entrance.
REWARDSHow are reward points earned on the Regalia Activ Credit Card?
Cardholders earn 4 Reward Points for every ₹150 spent on all eligible retail spends using the HDFC Bank Regalia Activ Credit Card. Terms and conditions apply regarding which transactions qualify for reward points. Certain categories like fuel, cash advances, and EMI transactions may not be eligible for reward point accumulation.
REWARDSWhat milestone bonus reward points can I earn on the Regalia Activ Credit Card?
The HDFC Bank Regalia Activ Credit Card offers milestone bonus reward points based on annual spends. You earn 10,000 bonus Reward Points when your spends reach ₹5 lakh in an anniversary year. Additionally, you earn an extra 5,000 Reward Points when your spends reach ₹8 lakh in the same anniversary year, totalling up to 15,000 bonus points.
BENEFITSWhat insurance benefits are offered with the Regalia Activ Credit Card?
The HDFC Bank Regalia Activ Credit Card comes with comprehensive insurance benefits including: Air Accident Death Cover of up to ₹1 crore (USD 125,000), Emergency Overseas Hospitalisation Cover of up to ₹15 lakh (USD 18,750), and Lost Card Liability Cover of up to ₹9 lakh. Cardholders can also update their nominee details through the HDFC Bank portal.
BENEFITSIs there a fuel surcharge waiver on the Regalia Activ Credit Card?
Yes, the HDFC Bank Regalia Activ Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India. This waiver is applicable on transactions with a minimum transaction value of ₹400 and a maximum transaction value of ₹5,000. The waiver helps cardholders save on fuel expenses with every qualifying transaction.
USAGEWhat happens if I lose my Regalia Activ Credit Card?
The HDFC Bank Regalia Activ Credit Card offers Zero Lost Card Liability. If you lose your card, report it immediately to HDFC Bank's 24-hour call centre. Once reported, you have zero liability on any fraudulent transactions made on your Credit Card after the report. Additionally, there is a Lost Card Liability Cover of up to ₹9 lakh under the card's insurance benefits.
USAGECan I convert large purchases into EMIs using the Regalia Activ Credit Card?
Yes, the HDFC Bank Regalia Activ Credit Card allows you to convert eligible high-value purchases into EMIs after the transaction has been made. This feature provides flexibility in managing large expenses by spreading the cost over monthly instalments. You can visit the HDFC Bank website or contact customer care to know more about the EMI conversion process and applicable terms.
USAGEWhat is the revolving credit facility on the Regalia Activ Credit Card?
The HDFC Bank Regalia Activ Credit Card offers a revolving credit facility, which allows you to carry forward your outstanding balance to the next billing cycle by paying a minimum amount due. A nominal interest rate is charged on the revolving balance. You can refer to the Fees and Charges section on the HDFC Bank website for the exact interest rates applicable to revolving credit.
USAGEHow can I manage my Regalia Activ Credit Card?
Existing cardholders can manage their HDFC Bank Regalia Activ Credit Card through a single unified platform (MyCards) that allows management of Credit Cards, Debit Cards, FASTag, and Business Loans. The platform offers spend tracking to monitor expenses, and an easy interface to view and redeem reward points. You can also set card controls, block your card, activate your card, or reset your PIN through the portal.
REWARDSHow do I redeem reward points earned on the Regalia Activ Credit Card?
Reward points earned on the HDFC Bank Regalia Activ Credit Card can be viewed and redeemed through the HDFC Bank MyCards platform or the SmartBuy portal. Points can typically be redeemed for travel bookings, merchandise, vouchers, and more. You can also use the Reward Point Redemption section under Card Management to redeem points. It is advisable to check the validity of your reward points to avoid expiry.
INTERNATIONALDoes the Regalia Activ Credit Card have any international usage benefits?
Yes, the HDFC Bank Regalia Activ Credit Card offers international benefits including 6 complimentary international airport lounge accesses per year through Priority Pass. It also provides Emergency Overseas Hospitalisation Cover of up to ₹15 lakh (USD 18,750) and Air Accident Death Cover of up to ₹1 crore (USD 125,000). The card can be used internationally, though forex markup charges may apply on foreign currency transactions.
FEESHow do I get the annual fee waived on the Regalia Activ Credit Card?
The annual renewal fee of ₹2,500 on the HDFC Bank Regalia Activ Credit Card is waived if you spend ₹3 lakh or more in the previous anniversary year. The anniversary year is counted from the date of card issuance. Ensure that your eligible retail spends meet the ₹3 lakh threshold within the anniversary year to automatically qualify for the fee waiver on your next renewal.
CANCELLATIONHow can I cancel or close my Regalia Activ Credit Card?
To cancel or close your HDFC Bank Regalia Activ Credit Card, you can contact HDFC Bank's 24-hour customer care helpline, visit your nearest HDFC Bank branch, or submit a cancellation request through NetBanking or the MyCards platform. Before cancellation, ensure all outstanding dues are cleared and redeem any remaining reward points, as they may be forfeited upon card closure. Since new sourcing of this card is stopped, cancellation is irreversible.

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