MyFinCards
Regalia Credit Card

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

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.

Expert Review

Our Verdict

Premium lifestyle card with lounge access, concierge, travel insurance & strong reward points on SmartBuy.

Frequently Asked QuestionsAbout Regalia Credit Card

FEESWhat is the joining and annual fee for the HDFC Bank Regalia Credit Card?
The HDFC Bank Regalia Credit Card has a joining fee of ₹2,500 plus applicable taxes and an annual renewal membership fee of ₹2,500 plus applicable taxes. As a welcome benefit, cardholders receive 2,500 reward points on joining. Additionally, 2,500 renewal reward points are credited after the membership fee is realised (not applicable when the fee is waived).
APPLICATIONCan I still apply for the HDFC Bank Regalia Credit Card?
No, the sourcing of the HDFC Bank Regalia Credit Card has been discontinued. New applications are no longer accepted. However, existing cardholders will continue to enjoy all the benefits and features associated with their Regalia Credit Card without any disruption to their current services.
REWARDSHow many reward points do I earn on the HDFC Bank Regalia Credit Card?
You earn 4 Reward Points for every ₹150 spent on retail transactions. You can also earn up to 5x Reward Points on flight tickets, hotel stays, gift vouchers, and more via SmartBuy. Note that from January 1, 2023, reward points will not be accrued for fuel, rental pay, property management, or government transactions. Grocery reward points are capped at 2,000 RP per calendar month, and insurance transaction reward points are capped at 2,000 points per day.
REWARDSWhat are the reward points redemption options available on the Regalia Credit Card?
HDFC Bank Regalia Credit Card holders can redeem reward points in several ways: Flight and hotel bookings via SmartBuy (1 RP = ₹0.50), Airmiles conversion (1 RP = up to 0.5 airmiles), Products and Vouchers (1 RP = up to ₹0.35), and Cashback (1 RP = up to ₹0.20). Curated global experiences and premium vouchers are also available. Note that redemption for flights and hotel bookings on SmartBuy is capped at 50,000 Reward Points per calendar month.
REWARDSWhat are the milestone reward benefits on the HDFC Bank Regalia Credit Card?
Regalia Credit Card cardholders can earn milestone bonus reward points based on annual spends. You earn 10,000 Reward Points on achieving annual spends of ₹5 lakh. Additionally, you earn 5,000 extra Reward Points on achieving annual spends of ₹8 lakh in the same anniversary year. This totals up to 15,000 bonus reward points per anniversary year on high spends.
BENEFITSWhat lounge access benefits does the HDFC Bank Regalia Credit Card offer?
The Regalia Credit Card offers up to 12 complimentary domestic lounge accesses per calendar year via Visa or Mastercard. For international lounges, cardholders can apply for a Priority Pass (after completing a minimum of 4 retail transactions) and enjoy up to 6 complimentary international lounge accesses per year for themselves and their add-on members. Cardholders also receive up to 2 complimentary lounge access vouchers every quarter for self and add-on members, based on minimum spends of ₹1 lakh per calendar quarter.
USAGEWhat happens if I exceed my complimentary Priority Pass lounge visits?
HDFC Bank Regalia Credit Card cardholders who exceed the 6 complimentary international lounge visits via Priority Pass will be charged US $27 plus GST per additional visit. For domestic lounge visits, all visits exceeding the complimentary quota will be at the lounge's discretion and chargeable by the lounge directly.
USAGEHow do I apply for a Priority Pass for international lounge access?
To apply for a Priority Pass, you must first use your HDFC Bank Regalia Credit Card for a minimum of 4 retail transactions. After fulfilling this requirement, you can apply for a Priority Pass for yourself and/or your add-on members through the HDFC Bank website. Please note that using a Priority Pass within India will attract charges to your Credit Card.
BENEFITSWhat comprehensive travel insurance does the Regalia Credit Card provide?
The HDFC Bank Regalia Credit Card offers comprehensive travel insurance including: ₹1 crore air accidental death cover (applicable if the cardholder suffers bodily injury resulting in death within 12 months of an air accident), emergency overseas hospitalisation cover up to ₹15 lakh (for primary cardholders, covering international travel only, excluding pre-existing illness), and credit liability cover up to ₹9 lakh. Terrorism is excluded, and maximum trip duration covered is 30 days.
BENEFITSHow can I raise an insurance claim as an HDFC Bank Regalia Credit Card holder?
HDFC Bank Regalia Credit Card holders can directly raise a claim with HDFC ERGO within 130 days from the date of loss. For Emergency Medical Expenses, call the International Toll-Free number: +800 08250825 (from outside India) or 01204507250 (chargeable). You can also email at bankclaims@hdfcergo.com. Note that HDFC Bank does not directly provide insurance coverage; exclusions and limitations apply as per the policies issued by the insurance company.
REWARDSWhat are the terms and conditions related to Reward Points validity and expiry?
Reward Points on the Regalia Credit Card are valid for 2 years from the date of accumulation. Points will not be accrued for fuel transactions, EasyEMI, or e-wallet loading transactions. Reward Points accrued will be reversed if a retail transaction is converted into SmartEMI. The accrued Reward Points will be nullified if the credit card is not used for more than 365 days. Only valid retail purchases qualify for Reward Points.
INTERNATIONALWhat is the foreign currency markup fee on the HDFC Bank Regalia Credit Card?
The HDFC Bank Regalia Credit Card charges a foreign currency markup of 3.5% on all foreign currency spends. Additionally, if you conduct a transaction in Indian currency at an international location, or with a merchant located in India but registered overseas, a dynamic and static conversion markup fee of 1% will also be charged.
USAGEDoes the HDFC Bank Regalia Credit Card support contactless payments?
Yes, the HDFC Bank Regalia Credit Card is enabled for contactless payments, facilitating fast, convenient, and secure payments at retail outlets. In India, contactless payments are allowed for a maximum of ₹5,000 per single transaction without requiring a PIN. For transactions of ₹5,000 or above, the cardholder must enter their Credit Card PIN. Look for the Contactless Network Symbol on your card to confirm the feature is available.
BENEFITSWhat dining benefits are available with the HDFC Bank Regalia Credit Card?
HDFC Bank Regalia Credit Card holders can enjoy up to 7.5% discount at partner restaurants through the Good Food Trail Program via Swiggy Dineout when paying with the Regalia Credit Card. Additionally, 24x7 exclusive concierge services are available to help with dining reservations and recommendations. Cardholders can reach concierge support at 1860 425 1188 (India) or email regalia.support@smartbuyoffers.co.
CANCELLATIONWhat happens if my HDFC Bank Regalia Credit Card remains inactive?
For cards sourced from November 1, 2020 onwards, HDFC Bank reserves the right to cancel the Credit Card if it remains inactive and is not used for any transaction for a continuous period of 6 months. Prior written notice will be sent to the registered email address, phone number, and/or communication address before cancellation. To avoid cancellation, ensure you use your card for at least one transaction within every 6-month period.

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