Joining Fee

₹2,500

Annual Fee

Rs. 2500 (Reversed on annual spends of Rs. 2 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL

HDFC Bank

Travel

Lifestyle

Rewards

Best For: Frequent international travelers, High spenders seeking lifestyle and travel benefits, Users seeking lounge access and concierge services

Regalia Credit Card

Rewards Structure

Base Reward Rate

2.67% on spends

Point Value

1 Point = ₹0.5

Earning Cap

₹5,000 /monthly

Points Validity

24 Months

Pros

Comprehensive travel insurance including ₹1 crore air accidental death cover
Up to 6 complimentary international lounge accesses per year via Priority Pass
Up to 12 domestic lounge accesses per year
4 Reward Points per ₹150 spent on retail
Up to 5x Reward Points on SmartBuy for flights and hotels
Milestone rewards up to 15,000 bonus points on high annual spends
24x7 concierge services
Up to 7.5% dining discount via Swiggy Dineout

Cons

Annual/joining fee of ₹2,500 plus taxes
No reward points on fuel transactions
No reward points on rental pay, property management, government transactions (from Jan 1, 2023)
Grocery reward points capped at 2,000 RP per calendar month
Reward points on insurance transactions capped at 2,000 points per day
Redemption for flights/hotels on SmartBuy capped at 50,000 RP per calendar month
3.5% foreign currency markup
Card sourcing has been discontinued

Hidden Catches (Transparency Policy)

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

Domestic lounge access requires minimum ₹1 lakh spend per calendar quarter

Priority Pass requires minimum 4 retail transactions before applying

Excess international lounge visits charged at US$27 plus GST

Reward points expire after 2 years from date of accumulation

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

SmartEMI conversion reverses accrued reward points

1% fee on rent payments via third-party merchants from second transaction of the month

1% markup on Indian currency transactions at international/overseas-registered merchants

Key Benefits & Features

Up to 5x Reward Points on flight tickets, hotel stays and gift vouchers via SmartBuy.

Up to 50 days interest-free credit from date of purchase (subject to merchant charge submission).

Zero lost card liability on fraudulent transactions if reported immediately to 24-hour Call Centre.

Contactless payments enabled; max ₹5,000 per transaction without PIN in India.

EMV Chip Card technology for safety against unauthorised use.

1% fee on rent payments made through third-party merchants from the second rental transaction of the calendar month.

1% dynamic/static conversion markup fee for transactions in Indian currency at international locations or with merchants registered overseas.

Eligibility Criteria

Min. Annual Income

₹3.0 Lakhs

Occupation

SALARIED

Notable Exclusions

No Reward Points on fuel transactions.No Reward Points on rental pay transactions, property management services (rent, maintenance, packers and movers), and government transactions.Reward Points on grocery transactions capped at 2,000 RP per calendar month.Reward Points on insurance transactions capped at 2,000 points per day.EasyEMI and e-wallet loading transactions do not qualify for Reward Points.Reward Points accrued will be reversed if a retail transaction is converted into SmartEMI.Accrued Reward Points will be nullified if the credit card is not used for more than 365 days.Travel insurance not valid for procuring a visa.Travel insurance valid for international travel only; maximum trip duration 30 days.Terrorism specifically excluded under insurance policy.Medical expenses due to pre-existing illness not covered under emergency overseas hospitalisation.Fraudulent transactions done by a person known to the cardholder specifically excluded from insurance.

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

Official Terms & Conditions

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Regalia Credit Card

The HDFC Bank Regalia Credit Card is a premium lifestyle and travel card designed for frequent international travelers and high spenders who value exclusive privileges and rewarding experiences. While sourcing of this card has been stopped, existing cardholders continue to enjoy its comprehensive suite of benefits. At its core, the Regalia Credit Card rewards cardholders with 4 Reward Points on every ₹150 spent, with the opportunity to earn up to 5x Reward Points on flight bookings, hotel stays, and gift vouchers through SmartBuy. Cardholders also benefit from complimentary airport lounge access every quarter, a Priority Pass for up to 6 complimentary international lounge visits annually, and round-the-clock concierge services. Dining privileges through the Good Food Trail Program offer up to 7.5% discount at partner restaurants via Swiggy Dineout. Beyond travel and rewards, the card delivers strong financial protection, including an accidental air death cover of ₹1 crore, emergency overseas hospitalization coverage up to ₹15 lakh, and credit liability cover up to ₹9 lakh. Additional perks include zero lost card liability, contactless payment capability, EMI conversion options, and up to 50 days of interest-free credit. With a joining and annual fee of ₹2,500, the card also offers welcome and renewal benefits of 2,500 reward points each.

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