HDFC Regalia Credit Card is one of the best credit cards of HDFC Bank.

It comes with lots of benefits and reward points offered. It also provides various travel benefits.

If you spend a lot of time on travel then this card is beneficial for you. Not only travel benefits, it also has many other benefits also.

HDFC Regalia Credit Card (Benefits, Fees & Charges) – Review

Here, we have explained the details review of HDFC Regalia Credit Card and its benefits, rewards points, eligibility and how to apply HDFC Regalia Credit Card:


    What are the features and benefits of HDFC Regalia Credit Card?

    Following are the key features and benefits of HDFC Bank Regalia Credit Card:


    Fuel Benefits (HDFC Regalia)

    You can avail 1% waiver on fuel surcharge on fuel transactions worth Rs.400 to Rs.5000. But maximum waive in a month can be Rs.500 per billing cycle.


    Reward Point (HDFC Regalia Credit Card)

    • You can earn 4 reward points on every Rs. 150 spent on retail.
    • You can earn 10000 reward points on spending of Rs.5 Lakhs in a year.
    • You can earn additional 5000 reward points on spending of Rs. 8 Lakhs in a year.


    Dining Benefit (Dineout Passport Membership) - HDFC Regalia

    If you spend a minimum of Rs. 75000 within the first 3 months of the issuance of card you will get a complimentary Dineout Passport Membership.

    So, you can avail benefits in selected restaurants:

    • Flat 25% off (at 2000+ Premium Restaurants)
    • 1+1 on the buffet (at 200+ restaurants)
    • Additional 5% off & Zero convenience fee.


    Domestic Airport Lounge Access (HDFC Regalia)

    Through Regalia Visa/ Master Card Credit Card Lounge program:

    • You can avail 12 free complimentary accesses to domestic airport lounges in a calendar year.


    International Airport Lounge Access (HDFC Regalia)

    • You can avail complimentary priority pass membership
    • By using priority pass membership you can enjoy access to more than 1000 airport lounges outside India.
    • But you can avail maximum 6 complementary lounges across in a calendar year.
    • One add-on member is allowed with priority pass membership.
    • For applying priority pass membership you have to complete at least 4 retail transactions.


    Air travel Insurance Cover (HDFC Regalia)

    • Air accident death cover of Rs. 1 Crore
    • Emergency overseas hospitalization covers of Rs. 15 Lakhs
    • Credit liability cover of Rs. 9 Lakhs

    Also Read: HDFC Times Titanium Credit Card Benefits – Review

    What is the eligibility for applying for an HDFC Regalia Credit Card?

    Following is the Eligibility criteria for applying HDFC Regalia Credit Card:

    This card can be applied by both salaried and self-employed persons.


    Age Limit


    Salaried Person

    Min 21 years

    Max 60 years

    Rs.70000 per month

    Self Employed

    Min 21 years

    Max 65 years

    Rs.8.40 Lakhs per annum


    What are the documents required for applying for an HDFC Regalia Credit Card?

    Address Proof

    Aadhaar Card / Passport/ voter ID etc.

    Proof of Identity

    Aadhaar Card / Driving License/ Passport etc.

    Income Proof

    ITR Returns/ Salary Slip/ Form 16 etc.

    Also ReadHDFC Millennia Credit Card Features & Fees –Review

    What are the fees and charges of HDFC Regalia Credit Card?


    Fees & Charges

    Joining Fees

    Rs.2500 + GST as applicable

    Renewal Fees

    Rs.2500 + GST as applicable

    (Waived, if you spent Rs.3 Lakhs in a year)

    Late Payment Charges

    Upto Rs.100 – NIL

    Rs.100 to Rs. 500 – Rs.100

    Rs.501 to Rs. 5000 – Rs.500

    Rs.5001 to Rs. 10000 – Rs.600

    Rs.10001 to Rs. 25000 – Rs.800

    Rs.25001 to Rs. 50000 – Rs.1100

    Rs.50001 and above – Rs.1300

    Finance Charges

    3.49% per month (41.88% annually)

    Cash Withdrawal Charges at ATM’s

    2.5% of withdrawal or Rs.500, whichever is higher

    Payment Return Charges

    2% of payment or Rs.450 whichever is higher

    Over Limit Charges

    2.5% of over limit amount or Rs.550, whichever is higher

    Reward Redemption Fees

    Rs.99 per request

    Reissue of Lost / Stolen card Charges


    Foreign Currency Transaction Charges

    2% of transaction value

    Railway Ticket Purchase Charges

    1% of transaction value + GST


    How to apply for an HDFC Regalia Credit Card?

    If you are eligible for applying HDFC Regalia Credit Card then you have to follow the following steps for applying this card:

    Step 1: Visit to HDFC Bank official website

    Step 2: Click on the ‘Apply online’ button.

    Step 3: Fill the online form

    Step 4: Click on Submit


    Alternatively you can visit the nearest HDFC Bank Branch and consult with the Branch Manager or Credit card representative.

    Also Read: SBI IOCL Contactless Debit Cards (Global and Platinum) – Review 

    How to redeem HDFC Regalia Credit Card Reward Points?

    You can redeem reward points within 2 years of accumulation, after that it will expire.

    If you have a bank account in HDFC then you can apply for redemption of reward points in HDFC Net Banking facility under Credit Card Tab.

    otherwise you can visit HDFC Bank official website or contact the nearest HDFC Bank Branch Manager.



    HDFC Regalia Credit Card is in high demand as it provides benefits and cash back offers. It provides various welcome benefits and reward points.

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