Regalia Activ HDFC Bank Credit Card

Joining Fee

₹2,500

Annual Fee

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

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.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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